davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

I received an email from Western Union on XX/XX/2021 to confirm my email address to complete an account registration and a second email with a PIN to use. I did NOT open a Western Union account. The email was address to " XXXX XXXX '' but is using my email address. I have attached screenshots for your reference.
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (PA)

XXXX XXXX  dis not charge my medical insurance correctly. I called multiple times and was told they are working with my insurance to bill them correctly. I even had a three way call between BCBS of IL and Ascension in XXXX and was told to ignore the bills Ascension was sending. Ascension decided to send my bill to collections, Frost Arnett. I received a collections bill from them XX/XX/2024, three days after they initially contacted me. I disputed the charge through their website and also on XX/XX/XXXX, called Ascension and asked why I was being sent to collections for a problem they caused. I was told they would pull the debt back from Frost Arnett and escalate my issue. Ascension gave me the reference number XXXX and told me it would take 7-10 business days. During this time, I received another bill from Ascension for the incorrect amount and apparently Frost Arnett created the written notice on XX/XX/XXXX with all pertient information but didn't send it until XXXX. I received that notice in the mail on Thursday, XX/XX/XXXX, over thirty days from when they created the document and from when they were supposedly told by Ascension to stop collection.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

On XXXX XXXX I opened my account at the XXXX branch of Atlantic Union My account end in XXXX Routing number XXXX. My account was used by my ex finacee for a fraud. I understand that there would be an investigation for this account. The investigation has been going on for one year and 3 months. The bank has not reached out to me concerning my balance of {$57000.00} until I received a generic letter concerning a domicile account within the next 30 days. I have called and called and no return calls. I have sent a letter to the Senator office as well, I just want answers.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My account was Hacked/scammed from fifth third bank. My savings XXXX my checking account XXXX account number XXXX as well as their credit card attached to on line banking account # XXXX XXXX XXXX XXXX over XXXX. I filed a police report with XXXX police report # XXXX. I filed with fifth third fraud department. They have been denying my claim ever since now they are messing up my credit report with their credit card which I told them I will not pay. I hired a company XXXX XXXX  to get my money back. Her name at XXXX XXXX is XXXX XXXX she tried filing this complaint on my behave # XXXX. I received a letter from you saying she filed this complaint on my behave but did not identify herself so I'm filing this complaint my self. I hope you can help me with this I'm been fighting them since XX/XX/21. They had no security in place whatsoever and let them clean out my Life 's Savings. IAll fifth third was worried about is me closing my account which I told them I will not do until I get my money back. They automatically closed account on XX/XX/21 and sent me a check for XXXX
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I XXXX XXXX have been receiving notices to collect a debt that has long passed the time limitation to enforce in the Commonwealth of Massachusetts. The collection letter itself states that the account is too old to take a court action. The credit trade line has already been removed from my credit reports across the board. So why is a national collection agency still in possession of my personal information? I demand that my personal information be purged by Portfolio Recovery Associates. The Federal Trade Commission needs to take action against this egregious action procured by the debt collector. I demand a letter stating that my file has been purged. I have attached copies of FTC actions against debt collectors in the past for doing this type of illegal activity. PRA needs to purge my file permanently!
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In review of my credit reports, I noticed that there was a " Charge-Off '' account for Capital One Auto. I contacted the creditor to request documentation on the " Re-Sale '' of the repossession of the vehicle. 

I received a letter from Capital One Auto stating a balance only but with no other documentation. ( See Attached ) I am trying to " Validate '' the said balance with what they are indicating is due. I ask specifically for information on what happened to the " collateral '', what did they receive as settlement, how much did the insurance company pay. 

I'm at a total loss of this balance and would like for Capital One Auto to provide me with " ALL '' documentation that pertain to this account. A simple letter does not suffice.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (KS)

A check bounced that is not in my name, on an account I do not have, and the debt. collector refuses to remove it from my credit report. I have been sent a copy of the bounced check, and when I have tried on several occasions to call them they will not return my calls. 
The company XXXX debt. collecting agency XXXX is Payliance. The phone number I keep calling is XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX This is on my XXXX credit report. The amount is approximately {$330.00}. 
The police report # in XXXX, XXXX is XXXX
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

-Deposited XXXX $ @ XXXX outside atm on XXXX -ATM began deposit process but did not credit funds to account due to system error. 

( EVENTS DURING TRANSACTION : INSERTED CARD, ENTERED PIN, SELECTED DEPOSIT OPTION, SELECTED DEPOSIT CASH, DEPOSITED CASH, MACHINE BEGAN COUNTING INSERTED FUNDS & DISPLAYED ITEMS BEING PROCESSED MESSAGE FOR APROX. 5-7MINS, MACHINE MECHANISM ENDED COUNTING AUDIBLY, DID NOT PRODUCE RECIEPT, ENDED CYCLE, REDISPLAY WELCOME & SCREEN TO BEGIN A NEW TRANSACTION ) -upon arrive to my home, I Immediately contacted NFCU and informed them about the deposit. 
-was told a dispute was created, and that I would receive a provisional credit within 10 days if the dispute was not completed. 
-I attempted and was not unable to be retrieve a copy of the dispute nor any documentation on this investigation. 
-recieved credit on XX/XX/2020. 
-nfcu began was reversal of provisional credit on XX/XX/2020 although my funds are insured under agreement with bank. 
-account now in negative status.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I am used to send money to my brother account but this time i sent the money over a month ago and has not gone through yet, i have been calling and emailing the company and they just say that they cant do anything becasue they deposited the money but the bank said they dont have it, i totally understand the process but at this point the one who has to help me is MoneyGram because they were the ones i used to sent the money, I need your help with this matter please. 

XXXX,
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

XXXX I purchased furniture online, the merchant sent an email stating the transaction was cancelled and refund issued. 

The transaction has cleared and {$1600.00} is gone was advised I would have to print a form-no access to printer. And wait up to 90 days for resolution. 

No person to speak with or call all overseas automation.
Consumer complaint received 2021-03-27
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. (TX)

all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I sent a validation letter to Enhanced Recovery Company ( ERC ) on XX/XX/2020 and mailed it certified. I tracked the letter and noticed they received it on XX/XX/2020. 

I called ERC on XX/XX/2020 since I had not yet received a response. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation. 

While speaking to a representative from ERC, the representative confirmed receipt of my original letter. ERC claimed they sent a response. When asked if they could provide proof that ERC responded and validated the debt in a timely manner, they said they could not, and only offered to send another letter. They proceeded to send " another letter '', which was dated for XX/XX/2020. 

I am requesting removal of this negative remark on all three of my credit reports. 
This request is based on the Fair Credit Reporting Act, that says companies have 30 days to investigate disputes. It is my understanding that if you can not verify the information within the 30 day time frame, you must delete all of the disputed accounts from my report. 

REFERENCE # PROVIDED BY ERC : XXXX XXXX XXXX ORIGINAL CLIENT ACCOUNT # : XXXX
Consumer complaint received 2021-02-18
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NV)

I have a credit card with Discover Financial Services. There was an incorrect charge on my Discover card and since I do not use the card I rarely go in there to check. The charge led to multiple late payment fees and I finally got a notice in the mail. I checked the notice and immediately contacted Discover. It took a few months for them to settle the dispute and acknowledge that was a fraudulent charge. Discover did go ahead and reimburse the fees, brought the account status back to normal however they did not go back and fix my credit. Due to this incident, my credit was impacted and brought my FICO score down and after repeated calls, they have not fixed this.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (ID)

Midland Funding, LLC, committed multiple violations in the collection of debts ; - I was sued by Midland Funding, LLC, without providing required Original Account Level Documentation ( OALD ), filing false affidavits, and without notification of the lawsuit. On XX/XX/XXXX, I was sued for the amount of {$4200.00} and on XX/XX/XXXX, for the amount of {$2300.00}. On XX/XX/XXXX, I then requested by Certified Mail that Midland Funding, LLC, provide me OALD to verify both debts which Midland Funding, LLC, failed to respond. 

- Midland Funding, LLC, then attempted to seize my property on XX/XX/XXXX, by placing an order for garnishment of wages. On XX/XX/XXXX, and on XX/XX/XXXX, attempted to seize personal property by recording judgment liens. 

- Midland Funding, LLC, on numerous occasions used communication tactics of verbally abusive phone calls, making false statements, misrepresentations of the amount owed, and threatening to take negative legal actions they had no right to take. 

- Midland Funding, LLC, continues to falsely report to all three Credit Bureaus even after I made multiple disputes in writing that they refused to properly investigate. This has significantly damaged by Credit Score, resulting in me being denied on mortgage refinancing loan applications. Attempted to resolve matter over the phone where Employee demanded {$7200.00} be paid immediately or threatened further legal action.
Consumer complaint received 2016-09-05
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Consulting Services, Inc. (CA)

On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.
Consumer complaint received 2022-08-07
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. (FL)

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2018-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Hello, I am having such a hard time dealing with Navient right now I really need help. I am currently unemployed and have been in a IDR since I began paying off my student loan balance. Currently I can not make payments due to my financial hardship, XX/XX/2018 has been a difficult year for me and havent had work for several months. Speaking to the Navient representatives over the phone I keep being told that my only options are forbearance or deferment. I have to renew my IDR every year and the last company I worked for in XXXX, CA DBA, XXXX XXXX XXXX will not send me my pay history for the life of me. Now the company is operating under a new DBA, XXXX XXXX. With that being said I can not renew my IDR payment using the money I generated from my last job, and if I were to use last years tax return my payment would be over $ 300/month and I am barely surviving right now. There has to be other options for somebody who is unemployed and making no income. I have already been steered to jumping into a forbearance and I was misinformed that time and they are pushing me to that option again. 

Please help me! 

Thanks, XXXX
Consumer complaint received 2020-11-25
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: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX. XXXX, XXXX AMERICAN EXPRESS add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX XXXXXXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (NY)

I checked my consumer report and noticed an error on there. Debt from XXXX is being reported late 150 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I disputed the error to the bureaus on three occasions explaining that how can an item be late 150 days late and then 120 days late? I requested verification and the bureaus never provided verification but continued on saying the debt was accurate and verified. I never gave any of the three bureaus permission to furnish the debt on my consumer report to begin with. That violates my consumer rights, pursuant to 15 USC 1681b ( a ) ( 2 ). I recently received a letter from a debt collection agency by the name of capital management services in regards to the debt mentioned. I know they are a debt collection agency because they stated in the letter that " This is an attempt to collect a debt ; any information obtained will be used for that purpose. This communication is from a debt collector. '' That also violates my consumer rights due to the indication of collecting debt. Debt collectors are not supposed to use any symbol on an envelope ( which they did ) or indicate that they're in the debt collection business. This is identity theft and both the credit reporting agencies and collection agency are violating my consumer rights.
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Unauthorized use of credit report. I'm not submitting my personal information through this portal. I don't want my information to be breached. I've provided address, DOB, last four of SSN.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/21, my husband deposited {$820.00} cash into the ATM, the screen then went blank, the machine then gave back his ATM card, there is no record of the deposit. He went into the branch and they said there was nothing they could do and he had to call an 800 number ( ATM Claims : XXXX ). He called the number and filed a claim right then on XX/XX/21. I have been calling EVERY DAY because that is a weeks pay!! They said they filed a request to expedite the claim and it was approved and we should see a temporary credit to our account in 10 BUSINESS DAYS!!! Well it has been a week and still nothing. I can't pay the mortgage!! 

A bank this huge can't give us our money back knowing that if the claim is not in our favor ( which would be impossible ), then take the money back? We live check to check and have one son in college and one in high school. 

The ATM should have been reconciled that night, been over by {$820.00}, there's our deposit. SIMPLE. 

HOW IS IT LEGAL FOR THIS TO HAPPEN?? 

If we were a business, maybe? But a family that has bills to pay?? 

The transaction is on video AND was witnessed by the security guard! 

HELP PLEASE!!
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX and I do not have a contract with PHOENIX FINANCIAL XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$730.00}
Consumer complaint received 2021-08-17
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Balance {$1200.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$390.00}