davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MN)

On XX/XX/2024 I filed a multiple transaction fraud claim with PayPal. I did this only after i received a text message from PayPal stating this Be sure to log in to PayPal and report any purchases you don't recognize. Alarmed by the messages context i logged into my account to find multiple transactions from 2 separate companies. These companies names are XXXX XXXX XXXX and XXXX. Transactions amounts ranging anywhere from {$4.00} - {$49.00}. I didnt not authorize Either companies nor PayPal for the transactions leaving my only option to file a dispute claim for unauthorized transactions. PayPal denied my claim for all transactions involved claiming it matched my transaction history on my account but these transactions are my only transactions on my account so that doesnt seem appropriate for denial towards my case. Especially since PayPal was originally the ones who detected that some of my transactions were fraudulent. 

Since some of these transactions were pending still via my original claim. I filed a second unauthorized transaction claim on XXXX after they had posted to my account in which these transactions were also denied saying that the transactions were found TO BE fraudulent and because of that they could NOT refund my account. Below is a copy and paste from the direct message i received. 


After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction PayPal
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On  XXXX   XXXX   2017 , I made a deposit into o ur US b ank account from our  XXXX   XXXX  Account, both accounts located in Arizona total deposit  XXXX . I checked our account to find the deposit listed as other balance adjustments  XXXX . No explaination, no note, nothing indicating as to why??? I checked our  XXXX   XXXX  account and could clearly see that the check had cleared on  XXXX   XXXX ,  2017 . I called  US  bank, I was given the run around and told that fraud placed a hold, gave me the #  XXXX  and trasnferred me, they are closed on the weekends. I call back to customer service, response is that ca n't do anything, asked if I go to my branch can they release with the check showing clearly that the check had cleared  XXXX   XXXX , response, No sorry only fraud can help you quoteing Regulation CC. I called fraud this morning  XXXX  stating that the funds were not available from m y   XXXX   XXXX   account, untrue, check cleared same day, told me the hold was in place for 7 business days, I asked if I could send her the cancelled check, she said no, that I have to go to my local branch, what the heck is going on here. I said that is my money, that I have revceived no notification that they legally  have to send to me, I said I wanted a copy of what ever documentation the fraud department had that stated the funds were not good, she could n't give me that, she hung up on me. Now I have to wait again and contact the local branch at  XXXX   XXXX , This is criminal as far as I am concerned, we have been good customers at  US B ank, now to be treated like I am a fraud is beyond comprehension, Banks should not be able to treat customers that are trusting their money with them this way.
Consumer complaint received 2015-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

We have been getting calls every day from Midland Credit Management. When we answer no one is there. The only reason I know it 's Midland is that I called back. We have NO debt, and have had no debt for over XXXX years. This is either an erroneous call or fraud but since no one answers when I pick up we ca n't even address that issue.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (ID)

My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a AMEX Card on XX/XX/2016, I was notified on XX/XX/XXXX that my application was cancelled reason given- The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months. Please know that your prior application ( s ) has been approved and your Card has been sent to you. 
I never applied before XX/XX/XXXX, I called AMEX and was told they only have XXXX application and it was cancelled. They also informed me that I do not have an AMEX Card. They are not able to tell me why they have stated the above in the letter they sent. They suggested I permit them to " Re-Underwrite '' the cancelled application. I do not understand this approach, as this would negatively impact my Credit Score ( XXXX inquires from AMEX within a week ).
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Finance Company, Inc. (TX)

I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IA)

Ocwen Loan Servicing has forcefully kept open an escrow account that is voluntary by the mortgage note. I have repeatedly sent QWR 's ( as per RESPA ) to get it closed. They ignore me. They now have raised my escrow payment by doubling the property taxes by claiming there is a " Special District Tax '' that is equal to my property taxes. There is no such " Special District Tax ''. I have requested a copy of my mortgage note and they fail to provide me the note in it 's entirety. 
Prior to Ocwen, the account was serviced by GMAC Mortgage who improperly charged fees to the account and then went out of business before the issue was resolved. 
In addition, Ocwen quit sending me monthly statements claiming I made a request for them not to send me statements. I did no such thing.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

On XX/XX/10 I noticed 3 unauthorized transactions in my Chime checking account, I filed a dispute with chime for these 3 charges totaling {$1200.00}. With in 3 hours of my filing the dispute Chime close the dispute and found against me saying no error occurred. They did not even give me time to submit my proof before closing the dispute. 

I want Chime to actually dispute the charges and do their job as a financial institution. I want the {$1200.00} credited to my account while they investigate
Consumer complaint received 2017-03-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

My high interest auto loan has not decreased in principal according to amortization schedule. Lender has continuously placed 93 % of payments made between XX/XX/XXXX to present to interest. Auto was repossessed in XX/XX/XXXX, after I was behind 3 months. I recovered the car, and applied for a TRIPP ( temporary reduction in principal payment ). I was told I qualified, and awaited for a call from the lender. After the lender did not contact me, I reached out and was told the TRIPP was never processed, but I was no longer eligible for it. I have repeatedly tried working with the lender to lower the payment, but have been told the Lender does not refinance its loans, and there are no other options. In addition, I was not offered an option to buy a two-day sales cancellation option by the dealership when the car was purchased, and instead was told California does not offer a cooling period, and asked to sign on the contract that they 'd explained it to me. This auto loan is impacting me financially to where I can not meet other obligations, and my only options are to allow the lender to repossess the car, or declare bankruptcy.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, 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. (NY)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX  - XX/XX/2023 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc. (TX)

The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My loan was modified XXXX XXXX by OCWEN Loan Servicing in the amount of {$49000.00}. This amount was divided in XXXX over the next XXXX years beginning in XX/XX/XXXX making XX/XX/XXXX year XXXX, XX/XX/XXXX year XXXX and XX/XX/XXXX year XXXX. The agreement was contingent upon my not missing more than XXXX payments, I have made all payments on time or before time. In XX/XX/XXXX I receive a XXXX for {$33000.00}. I have conversed with OCWEN XXXX times When I called OCWEN XXXX XXXX the said I will receive a new XXXX for {$16000.00} as the loan modification began in XX/XX/XXXX. Not having received the new XXXX I called XXXX XXXX and spoke with XXXX # XXXX who said they ( OCWEN XXXX did n't mail me the {$16000.00} in XXXX instead it was mailed early XX/XX/XXXX therefore XXXX deduction is not available. I asked him about the modification contract I have in hand dated XXXX and that it states the modification starts in XX/XX/XXXX and that it clearly states the XXXX year being XXXX, he would not answer. I also have my XX/XX/XXXX monthly statements that show the total reduction yet he would not acknowledge ; he kept repeating the " XXXX charge '' was per IRS guidelines but would n't discuss why the contract/modification starts in XX/XX/XXXX. In good faith I held up my part of the modification by making every payment on time. Now I have to pay taxes on something I should not have to. My Account # is XXXX. I have not contacted an attorney yet.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

had loan with Ocwen loan servicing XXXX XXXX, /XXXX, fl XXXX acct # XXXX bankruptcy 2009 case # XXXX told by credit counseling service there were payment arrangements made with this company. there were never any payment arrangement with this company. 
ocwen loan servicing , llc # XXXX /XXXX XXXX / XXXX, fl XXXX
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015 Citicards announced it was providing FICO scores to its cardholders. I have attempted to access my FICO score via the home page of my citicards.com website but have consistently received timeout error messages each time I attempted to access this " benefit ''. Approximately 3 weeks ( XXXX 2015 ) ago I was contacted by a citicard representative after I responded I was dissatisfied with citicard services on an online customer service survey citicard sent me. The representative attempted to resolve my login problem but was unable to access my FICO score. The representative noted that citicards had an " open ticket '' on cardmember inability to access their FICO scores and promised to send me an update within " about two weeks ''. I never received an update. 

I contacted citicards again today ( XXXX XXXX, 2015 ) after continued inability to access my promised FICO score. After 30-40 minutes online with a representative who attempted to access my FICO score many times via many methods ( and with one or more managers ), the citicards representative ( s ) could not access my FICO score. The representative said she would submit another " ticket '' and that I would be notified if the problem would be resolved. She was unable to tell me how much time might elapse before I was updated on the status of this issue. 

Citicards has made a big deal about providing FICO scores to its cardholders. In my case it has continued not to be able to fulfill that benefit offer. I have expended several hours of time, and quite a bit of frustration, attempting to access this " benefit '' and am aghast that Citicards has been unable to resolve this issue. I have been a Citicards card holder for at least 15 years but I do not intend to do business with companies that offer benefits they do not provide.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a UNPAID Charge Off Amount in XX/XX/2017. 
I am unaware of ever having an account from This Bank. 
Please validate this information with XXXX  XXXX XXXX and provide me with copies of any documentation associated with this " UNPAID Charge Off " bearing my signature.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form XXXX balance sheet XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX