davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

The Company is capio partners account number they have is XXXX this medical collection has been paid by insurance. 
also there account # XXXX has been paid by insurance please investigate these 2 accounts by the same company i sure they have no paperwork and is trying to collect on a paid account.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (PA)

I have been a XXXX XXXX  client for over 10 years. I've never had an issue with invoicing, payments or other services provided. I do not understand the relationship between XXXX XXXX and WePay but I feel I have been questioned and honestly interrogated in order for them to release my funds. 
On XX/XX/XXXX - WePay deducted {$7100.00} from my client 's account for services provided by my company. 
On XX/XX/XXXX - My WePay account was closed. {$7100.00} was held, never released to me/deposited to my account or returned to the client. There was no explanation given as to why my account was closed because I never had any chargebacks or refunds. On the same day, I emailed WePay and asked how soon the client would be reimbursed their funds. XXXX XXXX responded " upon review we have determined that we will no longer be able to process payments for your XXXX XXXX payments account. All pending payments have been cancelled and any existing payments will be refunded to the payers ''. She also added " Due to the account being closed our Trust and Safety team proactively canceled. Any pending charges to your client 's credit card account will drop within 1-7 calendar days, depending on their credit card issuers processing time. 
During another email exchange on XX/XX/XXXX, XXXX at WePay support added that " any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. 
On XX/XX/XXXX I received an email from XXXX XXXX stating my client made a payment for {$7100.00}. How can he make a payment if the account is closed? 

This completely contradicts any fair business practices. 
The funds were in limbo for 5 days and they waited until XX/XX/XXXX to place the funds in reserve when they could have simply refunded the client 's money or deposited to my account. Why should the client or I have to wait 120 days for payment? The payment was retracted in one day. It should not take 4 months for me to receive payment. 

This delay is impacting my business operations and payment of bills/expenses.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted TransUnion with incorrect information on my credit report on XX/XX/XXXX, advising them of the information that is incorrect. They sent me a copy of an " updated '' credit report, that did not have all the information updated. I sent another letter to them via Certified Mail on XX/XX/XXXX, advising them of the information that was still incorrect. I received another updated credit report today, XX/XX/XXXX with the incorrect information STILL listed on my credit report. It should NOT take 3 letters to have INCORRECT information removed from my credit report. I want ALL the phone numbers removed - I do not want my phone number listed. I do NOT, nor have I ever gone by XXXX XXXX XXXX. My employment data should only reflect my current employer, as per stated in my previous two letters to them.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in XXXX.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (HI)

I have two separate mortgages with US Bank on two separate homes. Both loans have the same problem. I am able to pay my monthly mortgage payment online through the US Bank website but I feel I 'm being charged an unfair or unnecessary online payment fee of {$5.00}. The payments are due on the XXXX of every month, but if I make the payment on the XXXX or XXXX they charge me an additional {$5.00} online processing fee. Both loans have until the XXXX of the month as a payment grace period. I called US Bank and asked them why I was being charged the {$5.00} fee and they explained that the fee was because I had n't made the payment on the XXXX of the month. I explained that I was still within the 15 day grace period and did n't want to pay the fee. They informed me that I would n't be charged the {$5.00} fee if I mailed in my payment?? So if I mail in the monthly payment by the XXXX of the month or if I pay online by the XXXX of the month then there is no fee. But if I pay online on the XXXX or later, then I have to pay the fee. I read through my " Truth In Lending '' disclosures from when I got each loan and I do not see this fee disclosed anywhere. Why am I being charged a {$5.00} junk fee for paying online during the payment grace period?? Thank you for your help!
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 an order was placed for a XXXX XXXX Jacket XXXX  XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Focus Holding Company (TN)

a account with XXXX XXXX was opened in my name sometime in XXXX the address for this location was in XXXX tn and i have never lived in this town. ive made several attempts to fix the issue with XXXX but all have failed. ive received a collection from a collection agency and this is now damaging my credit. the address for this account was XXXX XXXX XXXX XXXX XXXX XXXX and the property is owned by XXXX XXXX ive asked XXXX to contact the property owners to verify ive never lived at this address and they refused
Consumer complaint received 2018-03-24
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (CA)

This morning my wife received an unknown call from XXXX. She ignored it but then received a call from her brother. Her brother stated that a student debt collection agency had called him and his wife ( my wife 's sister-in-law ) from the same number she had ignored. This happened within a two minute period. They were all trying to get a hold of me and stated that it was an urgent matter and needed to get a hold of me right away. 

I called the number back on my phone. They stated that I had given them all three of their numbers as permission to call them. This is not true at all and a form of harassment. I have no idea how they were able to research and obtain my brother and sister in laws phone numbers. I don't even have my brother and sister in law 's phone number. 

What makes matter worse is that they were trying to get information about me from both my brother and law and sister in law. When they refused to provide information, they kept asking questions about me. 

When I was on the phone with them, they admitted that they already had my phone number and home address. I complained to two people, XXXX XXXX and XXXX stating that from this point on, they could only reach me and to never harass my wife, brother and sister in law in regards to anything about me and my account with them.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On Friday, XX/XX/2024 someone logged in my account and made a purchase on XXXX of {$1200.00}. This is the second time someone logs in my account and makes an unauthorized purchase. PayPal doesnt seem to do anything about it. I have changed my password multiple times and it keeps happening. I want PayPal to refund the unauthorized transaction and as soon as Im done paying off my balance, I will close my account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Inquires not authorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XXXX, I requested my free annual credit report at https : XXXX After completing the site 's form, requesting my free report from Equifax, and answering all of Equifax 's credit questions, the site said I could get my credit report. When I clicked a button to get the report, the next page said I couldn't get my report online and that I'd have to fill out a form, and additionally send my personal sensitive information by mail. The website read : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills
Consumer complaint received 2019-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Uplift, Inc (NE)

I work 10 to 12 hour days. Today XXXX XX/XX/2019. I received 7 calls from phone number XXXX and XXXX between XXXX XXXX and XXXX pm and each time it was a robot call asking me to hold. When I did not answer it, no voicemail was left for me. When I try and call the number back it asks me to hold for an operator and then hangs up after a minute or two or puts me on hold and after 7 mins I hang up.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

RE:XXXX. In response to my complaint, Navient said that they never told me that in order to change loan servicers I would need to consolidate my loan. That is what I was told. That is the reason that I consolidated my loan. Then they assigned the loan back to Navient and took all of the interest I had paid fromXX/XX/XXXX toXX/XX/XXXX. 

I requested that Navient send me the consolidation paperwork which states that reason for the consolidation. They sent me the consolidation paperwork and the reason for the consolidation is not stated. 

Please ask Navient to produce the loan consolidation paperwork from XX/XX/XXXX with the reason for consolidation.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

Good evening Sir or Ma'am, please reference previous complaint number : XXXX. 
OCWEN Mortgage engaged in deceptive lending practice based upon CFPB Lawsuit filed in 2017. I feel that based upon the awsuit filed by the CFPB, I was wronged and deceived by OCWEN. As I stated in my previous complaint, OCWEN soled / transferred a past due / delinquent mortgage to XXXX XXXX. Doing this action has caused a hurtful and financial burden upon me and my family. 
XXXX XXXX has decided not to report the account to any of the three credit agencies. I am requesting OCWEN do the same ; not report the account and any information to the three credit reporting agencies. 
Thank you in advance for your help and report. 

v/r XXXX XXXX
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander consumer USA received a written request by me to provide me with verified documentation proving the debt and correct amount they claim I owe, which is reporting to all the credit bureaus ( XXXX, XXXX, and XXXX ) .Instead of verification of the debt they claim is mine, they sent a letter asking me to provide them with the account numbers, Bank statements, addresses, VIN number etc and until they received such documents, they are stating they can not dispute or verify my debt. If this is so how are they reporting to the bureaus?
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX  XXXX  XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (OK)

Wester finance in XXXX OK It was in XXXX Oklahoma but moved to XXXX and switched people in office from good ladies to awful ones they have been calling a place I work part time and almost got me dismissed I'm a single mom and have had this loan for 6 years straight just to build my credit but thanks to the women in that office I have almost lost my income and my credit has dropped to a point I want to give up even trying to work on it I don't care about all the details I just want it on record that those women are hateful and if I wasn't on medication I would seriously think about ending my life they have me thinking I'm gon na go to jail because they tricked me into refinancing saying since you can't make a payment you will have to refinance which has completely screwed my finances up I tried to give them all the money I had but they wouldn't take it cause it wasn't a full payment how am I ever going to be able to pay it off if they won't take my money just add more charges I can't afford those ladies will run that business in the ground.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.