davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (PA)

Capio partners is trying to collect {$260.00} from an ER visit on XX/XX/XXXX. I already paid the {$150.00} that I owed after insurance adjustment. I never got any indication I owed anything beyond that {$150.00} in the last 4 years until XX/XX/XXXX when capio partners started contacting me. They have told me the service breakdown over the phone twice and it was 2 different breakdowns. I asked for it in writing and also written proof this bill is accurate and they have not sent either. I've called XXXX  hospital where I was seen to get more information on the bill, but they have been bought out since the date of service and all the old accounts that are paid and unpaid are handled by capio partners now. I can get no where with the company to show me proof I owed more than I already paid. I believe this bill is a scam because i already paid {$150.00} and it is 4 years old. Why wouldnt i have heard i owed anything more in the last 4 years if it was valid?
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX  for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-refence # XXXX  and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.
Consumer complaint received 2022-09-13
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)

XX/XX/2022, I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights several times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-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 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX I used Paypal to transfer money to a friend. They refused the transaction immediately due to Paypals fees. I then used XXXX thru XXXX  XXXX XXXX to complete the transfer. 5 days later paypal tried to take the money out of my account overdrawing it. I called paypal and they initiated a refund they said could take 5 days. This withdrawl was cancelled 5 days earlier and they still took it. On XX/XX/XXXX my money was finally refunded and I thought it was handled. 

Last night XX/XX/XXXX Paypal once again took out the money from my checking account. I was told by Paypal that it should not have happened. Now the amount was {$4800.00} and I am sure any interest collected on that money when paypal has it is not paid back to me. In addition I have bank overdraft charges that are due me. 

Paypal is almost impossible to deal with and I still do not have any resolution. Please help.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I have been a XXXX XXXX customer for about XXXX years, and have consistently paid my account in full each month. I had accumulated XXXX unused rewards points. Two months ago I discovered Barclays had revoked all of my accumulated points, which had a redemption value near {$15000.00}. No reason was given for the seizure of the points other than my account was revoked. The only reason for given for the account being revoked is a statement Nature of business does not align with revised Bank risk tolerance. However, this explanation makes no sense as this has always been a personal, not a commercial account. I have attempted to resolve the matter in good faith using the available channels of replying to the address on the revocation letter, and speaking directly with customer service. I have been told verbally that it is impossible to restore rewards points after they have been revoked. This is obviously untrue. Further, I was told that I must accept the situation and continue to make payments. This situation is unfair, abusive and simply intolerable. 

For the Barclays representative reading this complaint, I want my rewards restored, or their equivalent cash value paid to me. Until this is done, I will not be making any further payment to the account.
Consumer complaint received 2021-10-29
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: FORD MOTOR CREDIT CO. (NY)

Ford Motor Credit company on XX/XX/XXXX agreed to release the lien on my XXXX XXXX XXXX title electronically to the NYS DMV, once I title it in NY. The vehicle is titled in NC a title holding state held by Ford, which I need to transfer the title to NY.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I did a 0 % balance transfer on XX/XX/2022. Since that date, I have paid more on the card than I have spent, yet I have been charged interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$49.00} in purchases and paid {$500.00} towards my balance and was charged {$.00} in interest. 
For my XXXX XXXX XXXX XX/XX/2022 statement, I had {$200.00} in purchases, paid {$200.00}, and was charged {$1.00} in interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$52.00} in purchases, paid {$650.00}, and was charged {$1.00} in interest I tried to get Chase to correct the interest rate charges but the company couldnt do that. I was told that the company decided how much of a payment to allocate towards my 0 % interest rate balance transfer and how much to allocate towards my purchases any given month. Because my purchases are fairly small on this card and I pay off a good bit each month- usually more than the purchases amount for the month- I should be accruing little to no interest. Yet, Chase has assessed interest on the purchases I have made. I have closed my account with Chase but fee that this is deceptive - people with larger balances and purchase amounts will think they are paying off the higher interest rate balance, but they are not.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (PA)

I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Checkr, its United States affiliates ( collectively, Checkr, we, us, our ) are not authorized to collect, use and share personal data about me without prior written and direct instructions from consumer. 
I recently received a notification checker sold an employer a copy of my consumer report without my written authorization XXXX XXXX, I also reviewed my consumer disclosure & consumer files and noticed Checkr reporting my non-public information. 
Checkr is not authorized to collect, use, and share public records information relating to consumer. 
Checkr has 15 days to permanently delete and remove the following records from my consumer background report, consumer disclosure and credit file upon receipt of this notice. 
Checkr must provide free copies of my consumer report, consumer disclosure and credit file showing the public records information has been deleted and removed. 
Checkr is only authorized to collect, use and share information with the prior consent and written instructions from consumer. 
Any authorized use of consumers personal data will not be tolerated. 
By sending you this notice consumer does not waive any rights to take action against Checkr for any past or future violations of the law. 
Sincerely, XXXX : XXXX All Inalienable rights reserved.
Consumer complaint received 2022-10-29
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)

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. 

1 ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( 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 antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MD)

I purchased a vehicle from a car dealership in XXXX XXXX Maryland after the vehicle was having numerous problems I return the vehicle ..the dealership wrote a check to Westlake financial for the balance owed on the car the check was no good
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2021 I contacted Chase requesting a hardship program as I was having trouble paying down my bill. They refused. 

One year later my financial situation is worse. The hardahip department refused to get on a call with me. I asked my representative to reach out to them twice She both with XXXX and XXXX both of whom refused to get on the call. I am meeting my minimum payments each month however only {$35.00} goes toward principle. It is impossible to lower my bill without sone kind of help from Chase.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (MD)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Feldman & Stern, LLC (GA)

I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.
Consumer complaint received 2016-04-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. 
I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. 
I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. 
After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. 
I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. 
Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. 
Thank you for listening.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (PA)

Equifax was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the XXXX XXXX  XXXX accounts are not viewed on my equifax report however Equifax has the fiduciary duty and obligation to notify all furnishers, XXXX, XXXX, XXXX, XXXX, of this inaccurate reporting and Equifax has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. EQUIFAX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also Equifax failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information
Consumer complaint received 2021-10-29
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)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$7500.00}