davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC. (GA)

Early in XXXX, I was getting physical therapy. XXXX XXXX was my insurance company. At the end of my visits, my employer changed our health insurance and that physical therapist just worked for XXXX. They said we owed for the time I wasn't carried by XXXX and our new insurance wouldn't pay their final bill. My wife called the therapist to work out a deal. The person in billing said she would call her back but never did. We then received a notice from XXXX XXXX in XX/XX/XXXX. A collection agency for therapists. My wife contacted them and paid {$650.00} by credit card to get rid of the debt that should have been less. But we wanted it gone. We went online to verify the amount was paid and our account showed XXXX on XXXX 's website.We never got a letter or any other correspondence. Now, in XXXX of XXXX, I get a phone call from XXXX XXXX XXXX stating I still owe and now the amount is up to {$250.00} because of interest. The person stated that it seems it was taken off the books and then put back on. I stated we had not received any notice since XX/XX/XXXX and XXXX XXXX said that the account was paid. The woman on the phone then proceeded to give us a website to look at the new invoice. We would have to create a login to go on. I will not give these people our email address to view a document. Seriously? We paid up a year ago and should even had to pay what we did. XXXX XXXX never sent us anything until this moment and now we owe interest? On what? They can't ever tell us that directly. 

Now, after we file our first complain with the Consumer Financial Protection Bureau, we find out that the debt was just now sold to another debt collector who just sent us a letter of collection. It's from Bureau of Account Management. Here we go again. 

Please help us erase this amount. We paid it with XXXX XXXX and now here 's a new company asking for money. This is insane.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$11000.00} and has several inaccuracies that is not FCRA Compliant. I have sent several letters disputing the inaccuracies and Equifax just mails the letter saying this account has been verified with no proof or any paper work. How can they verify if Equifax 's credit report has no account number listed and the account is reporting CO every month when a charge of is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax was on XXXX XXXX XXXX and they responded the account has been verified.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ronald H. Reynolds, Inc. (PA)

Ronald H Reynolds replied back to the CFPB on XX/XX/18 Complaint number XXXX with he by his own words stated he mail out information. Ronald H Reynolds tells one lie after another lie even with his own letter sign by him stating the creditor called the account back as to XX/XX/2018. If your not on the account and the creditor called the account back why are you responding back as your solving the issue when by your own words is not the attorney and on your letter you clearly stated the attorney that will be doing the case. Ronald H Reynolds needs to stop contacting me being he is not on the case and the creditor has called the case back. please stop telling lies and playing games. It appears to me your hard up for money and one lie after another.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!
Consumer complaint received 2018-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VA)

On XXXX XXXX I transferred money ( {$200.00} ) to XXXX to my family using western union app as i have used it 3-4 time before same place same person. After the i got mail from the western union with all the correct information. The transfer was done using my bank account of sun trust to my sisters bank account in XXXX ( B2B ). the money has to appear to receiver bank account by XXXX XXXX but i waited, i thought it might take time. After a wait of 10 day on XXXX XXXX Saturday I called to the western union inquired about the money transferred and it happens to find out that money was transferred to wrong bank account in XXXX but the information i put and the mail from western union say correct details of everything.Then i called western union after hearing all my details XXXX  from western union make a case ID and gave me, tell me we will look upon it and will give you reply within 24 hour but no body responded so i decided to call them back and when i called on Monday they took all information and hung up on me. next day i tried again same thing happened. i tried today again and the again hung up. I am sending all information that i have please help me to resolve. 

Tracking number - XXXX case ID - XXXX My cellphone no. XXXX XXXX XXXX, Thank you. The payment for your money transfer has been received. 
It will be available in XXXX XXXX 's bank account by XX/XX/2018. 

If you have any questions, contact us anytime. 

Thanks for using Western Union. 

___________________________________________________________________________________________ This is your proof of payment for the money transfer below. 
______________________________________________________________________________________________ Your tracking number ( MTCN ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET Payment Method : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Delivery Method : Bank Name : XXXX Account ending in : XXXX Bank Code : XXXX Mobile Number : XXXX Street : XXXX XXXX XXXX XXXX : XXXX Sender : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : VA Country : UNITED STATES ZIP : XXXX Phone Number : ( XXXX ) XXXX Receiver : Name : XXXX SHARMA City : XXXX State : XXXX Country : XXXX ZIP : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Account type : CHECKING Payout Information : Today 's Date : XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Receiver 's bank account. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Receiver : XXXX INR
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, WF  CRD SVC ( Wells Fargo Credit  Services ) add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-07-17
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. (CA)

XXXX  is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I'm in a repayment plan that accrues interst daily of XXXX dollars that never brings down my principal balance. I make XXXX dollars payments monthly but the loan provider applies like XXXX dollars towards the interest and XXXX dollars towards the principal. But then with the accrued interest of XXXX dollars a day brings the principal right back up. I made XXXX dollars in payments in the last year and Navient has taken XXXX dollars in interest already. I'm in a 10 year repayment plan the original balance was XXXX and after a year of payments on time it's just at XXXX If I keep up with payment plan I would end up paying back triple of what I borrowed. I called Navient to discuss what other repayment options I have. They said I can't make any changes that's the repayment plan I chose. I tried to explain that the school that I took the loan out for didn't tell me that my repayment will require me to pay back triple the amount. I feel that I was deceived by both the school and the loan provider.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AR)

Debt collection company has repeatedly used multiple phone numbers and attempted to contact me at all times of the day, multiple times. This company also posed as a potential employer and called my parent 's home phone number looking for me. They lied, and said they were calling from " XXXX. ''
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

I paid a debt owed to an apartment with another collections agency. After being contacted by Professional Debt Mediation, they ignored my emails, calls and voice messages for resolution to my paid debt. I paid another company called XXXXXX/XX/XXXXfor {$520.00} on XX/XX/2020 for debt I owed to XXXX.
Consumer complaint received 2020-04-21
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO TRANS UNION NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX  ACCOUNT IS FRAUDULENT AND NOT MINE.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Hi this is my 2nd complaint about this matter Im a poor XXXXyear old had my life savings stolen from my TD bank account ending XXXX and when I complained to TD and Investigator XXXX XXXX from TD was extremely nasty and unhelpful when I filed a police report they told me they have a lot of complaints on TD and they are the worst to deal with they dont protect or help fraud victims please help
Consumer complaint received 2020-10-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One informed me in XX/XX/2020 that there was suspicious activity on my account and they would be closing my business with them after investigation. I was told that some deposits that were made not in my name would be returned to the issuing agency and my remaining funds ( which were all deposited in my name ) would be sent to me ( about 28k ) in 10 business days. Since then there has been no response.

Over the last few months Capital one has not responded to my inquires or sent me any funds or information. I am able to see my
accounts and can see they have withdrawn funds back in XXXX and continue to have hold on remaining funds. Im aware that investigations can take up to 90 days however that deadline has passed and I would like my funds which are not under review remitted to me and my account closed as promised.

The deposits in question were from my girlfriend and mother using separate accounts we had made together to receive their unemployment benefits. Even after verification with unemployment office and addition of them as beneficiaries on account Capital One chose to refund the deposits ( I assume ) to unempyment. However the remaining funds included funding I had received in my name. It has been very difficult to deal with COVID and loss of work while also not having access to this large amount of my money. 

As of XX/XX/2020, Capital One continues to ignore my emails and phone calls. I am forwarded to the security department voicemail where I have repeatedly left my information and requested call back. I am unable to close out my accounts or move my remaining funds.

Please help, at this point Im at a loss for what to do besides a lawsuit and due to COVID and my financial hardships this is just not feasible.

At the same time my credit card with Capital One has now listed 4 months late payments as they refuse to use my remaining funds to pay the balance yet continue to hound me with calls and emails and letters about my unpaid balance of {$350.00}. Yet they continue to not  answer about my $ XXXX frozen. Debt collectors refuse to acknowledge this and continue to report negative on my credit reports even after explanation of this and COVID hardships.

Im very close to becoming homeless at this point and am concerned once my cell phone is turned off I will be unable to ever get my funds.

I understand banks need to investigate and have rules regarding suspicious activity which can be broadly defined as anything from deposits to withdrawals into bitcoins. Im not disputing this action, I only want to close my account and collect my rightfully deposited funds now that is has been well over the limit for account investigations and completion. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

Citibank ( purposely, I'd conclude ) misleads the card holder about interest fees charged on my account. 

After wandering through their website for some time, I finally found an interest rate posted on the " Account information '' area. It had all my information - and listed the fee as a trans-usurious 20.24 %. I called to find out why I'm being charged such high interest. 

It turns out that that is NOT the interest being charged on the balance. The fellow on the phone said it's " only '' 15.99 % - still usurious, but less. 

The rate I or any consumer pays should be posted in large type on the splash page for any card I hold. Period. I should not have to hunt for it, find a rate that proves to be wrong, call the company ( and try to get through their pea-brained computer voice ), and all-in-all spend two hours or so trying to get a simple answer about the rate I pay. 

So - POST RATES IN LARGE LETTERS ON THE ACCOUNT HOME PAGE. 
and GET RID OF THOSE XXXX COMPUTER VOICES. GIVE THE CALLER AN UPFRONT OPTION TO USE A KEYPAD.
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CT)

I've attempted to use XXXX, which financing is provided by Affirm, several times and been denied.. It appears I am being denied due to a past loan, a purchase from XXXX which was recently refunded by merchant. The loan was at XXXX point past due, charged off, the merchant was unable to refund due to error on end of XXXX, Affirm still attempted to collect on loan, despite provided return information including XXXX tracking number.. It appears Affirm is now declining use of XXXX installments due to this past loan. I've been declined with merchant, XXXXXXXX XXXX XXXXXXXX, most recently.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

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 XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2018, LVNV Funding LLC added a derogatory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (GA)

Paid off vehicle loan XX/XX/year>. Chase auto has yet to release the lien on title with the state of Georgia. Called and first rep I spoke with, was very un professional. 

I spoke with the Georgia department of revenue, and they stated chase auto are the only ones that can release the lien on the vehicle title.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned Paypal had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. Paypal refuses to close the account while it is under investigation with their collections company, XXXX XXXX. 

** Strangely both XXXX XXXX and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent Paypal account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!
Consumer complaint received 2020-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this
Consumer complaint received 2020-10-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this