davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (IL)

I was injured on the job and my company sent the claim on to a workman 's comp company which approved my claim. They paid some bills and then not others. After sending all the claim information to the hospitals and medical groups, there were still 2 outstanding bills that the workman 's comp company dragged their feet on and never paid. The medical providers eventually sent them on to collections ( against me ). They sent 2 claims on  to Grant & Weber. It took XXXX XXXX at Grant & Weber a year to send me my first physical notice for 1 of the accounts and then an additional 3 months later for the first physical notice on the second account. We have physically only received one notice per each account from them. My phone started blowing up with calls from unknown numbers ( no educated person would ever answer a call from a unknown number ), but never once left a message. Typical scam phone activity. My wife and I left MULTIPLE messages asking for a call back to get things figured out and taken care of. Also wanting to give them all the OJI information we had. My wife spent 2 full days trying to find out why the claims were not paid out initially and when they were sent to collections. We have NEVER received a call back. We have tried to talk to a " supervisor '' and left messages with the supposed supervisor as well. My wife even talked to the operator or secretary, whatever her title is and was told that XXXX XXXX usually doesn't get to the office until around XXXX and is usually gone by XXXX if not earlier. I finally was able to speak with him in person ... I asked him to speak with my wife as she had all the information regarding all the medical bills, OJI paperwork and was the one trying to get to the bottom of it. He told her he could see this was a workman 's comp case and she proceeded to give him all the info he needed and also emailed him the paperwork. He said it would take a day for them to " sort it out and get it to him '' as it all goes to a generic email address at the company. We asked for an update within a couple days ( both verbally and in the email ) to know that he received everything and he said he would get back to us. Unfortunately, he has not gotten back to us and we have once again left numerous messages trying to get an update XXXX will not call us back or answer his phone. I spoke with my company who wants to get this straightened out also but they can not get him to return a phone call. It is obvious XXXX XXXX and Grant & Weber , Inc. are not concerned with doing the right thing, they are just looking for some quick and easy cash. This now has been three months since speaking with him and getting the information and six months since we have received our first notice. We have done tons of legwork and have reached out to them repeatedly on an obvious OJI case but they will not do what is necessary on their end ( first of all returning our phone calls ).
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Skopos Financial, LLC (SC)

The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.
Consumer complaint received 2021-10-04
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: Exeter Finance, LLC. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

On the XXXX XX/XX/2017 I transferred funds from my account on XXXX to my account on coinbase.com. The funds never showed up in my coinbase account. I contacted XXXX  to ensure the transfer went through and was assured it had and to check with coinbase. 

I have sent numerous emails to coinbase requesting the matter to be looked at and have been ignored. 

I lodged a complaint with BBB and they too have tried to get the matter resolved and coinbase have ignored them. 

The transaction id is XXXX
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (WI)

Equifax stated I was deceased when I applied for a credit card. I had to get XXXX to correct it. I got a rep. on the phone from XXXX. 
after a series of? she checked my records and determined I was indeed alive. Then she called Equifax and we had a 3 way talk. After security questions from Equifax, they said I failed the test! They ask me questions about loans I had and banks that gave them. I have not applied for a loan in over 5 years. I have no idea what info they have that I answered wrong? But I believe their info is wrong, just like the info that I'm dead! I get credit reports from XXXX & XXXX. and I have no problems!
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted over 3 disputes/letters to Equifax, XXXX, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state UCC 11 which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, equifax and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Consumer complaint received 2021-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/27, AES began sending multiple emails in 1 day because the payment was late by 2 days. I've received 2 follow-up responses from Customer Relationship Analysts who I had repeatedly asked not to respond and that I only needed 1 email alerting me of the overdue amount. I'm being harassed by this company and am being treated unjustly, and my rights are being violated as a result. No agreement that says correspondence will occur because of delinquent payments is valid if it starts to encroach on breaking the law, which is exactly what this is doing. AES provokes these complaints. AES also records the conversations without my permission when I have told them on multiple occasions I do not consent to being recorded and that because Pennsylvania is a 2 party consent state, they are breaking the law. I'm going to have an attorney file a motion with the courts to subpoena all conversations that AES has kept on file where I have stated verbally that I do not wish to be recorded, yet they have defied that request and acknowledgement. AES is also unjustly delaying Student Loan Forgiveness for certain borrowers who meet the criteria in order to capitalize on interest charges to make a profit. This is a huge conflict of interest and is also considered fraud. The representatives who are tasked with responding to these complaints think they know what they are talking about, but they do not realize they are breaking the law or helping their Employer break the law. I intend to prove beyond the shadow of a doubt that all of this is occurring, and quite frankly, I will do what is in my power to have the company shut down or salaries reduced, or terminations made possible due to this overstepping of power. 

XXXX XXXX should also be investigated for money laundering. If issues occur in a company that seems to benefit the overall company as a whole, it is usually always because the leader is profiting from this process, unjustly and immorally.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

XXXX  and XXXX are two of the most recent claims filed against Wells Fargo. We also filed with the OCC multiple times except this time, we were told that the CFPB does not handle XXXX XXXX and to immediately filed with the OCC. If you look back at our prior claims, we have not deviated from the initial claim except to separate the claims. If you look at the evidence, we have never implied anything different except where the evidence takes us. We now are opening a 3rd, 4th or 5th claim? The evidence from the first two listed claims and additional evidence we will provide. I AM WRITING THIS IN ALL CAPS SO WELLS FARGO READS THIS LOUD AND CLEAR. XXXX XXXX, IN WHICH YOU VIOLATED YOUR OWN POLICY TOWARDS INVESTIGATIONS AND XXXX. NO ONE EVER REACHED OUT, NO ONE. WE COMPLAINED ABOUT FRAUD ... HERE IS WHERE OUR CLAIM TAKES A DIFFERENT PATH WHEN IT COMES TO WELLS FARGO. We believe Wells Fargo not only broke their FIDUCIARY OATH, but they also DID commit XXXX XXXX, Breach of Fiduciary Duty, Breach of Covenant, Breach of Trust, and finally they violated Punctilio of Honor. Loyalty, honesty and good faith constitutes Punctilio of Honor. They can not deny the fact their company violated these acts 3.4 million times!

When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter. The client is entitled to the best efforts of the fiduciary on his behalf and the fiduciary must exercise all of the skill, care and diligence at his disposal when acting on behalf of the client. A person acting in a fiduciary capacity is held to a high standard of honesty and full disclosure in regard to the client and must not obtain a personal benefit at the expense of the client. ( b ) Uniform reports and simplification of instructions. Remember 3.5 years. XXXXXXXX XXXX XXXX  out of XXXX, Tx said we should opt out because we will not receive what is due to us.

The Federal banking agencies shall, consistent with the principles of safety and soundness, work jointly ( 1 ) to adopt a single form for the filing of core information required to be submitted under Federal law to all such agencies in the reports and statements referred to in subsection ( a ) of this section ; and ( 2 ) to simplify instructions accompanying such reports and statements and to provide an index to the instructions that is adequate to meet the needs of both filers and users.
Consumer complaint received 2018-03-27
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: Exeter Finance, LLC. (AL)

The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-22
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. (GA)

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2017-12-06
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. (ND)

There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Consumer complaint received 2022-08-05
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)

I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

XXXX XXXX received federal loans from XXXX  XXXX during XXXX. The amounts provided to me and the amounts paid to XXXX XXXX were not what I agreed to. I was misguided and advised I would n't have to repay because I qualified for full grants being a single mother without any income at the time. I graduated in XXXX and learned that I owed {$15000.00} to XXXX XXXX. XXXX XXXX went under closed in XXXX XXXX and XXXX so I had no where to go for records of such loan and grants. I started making payments to XXXX XXXX because I was being harassed via phone and email. XXXX XXXX went under and I did n't receive any correspondence from navient for almost a year. Then navient sent me a payment book with different information that did n't match the loans or amounts. I stopped paying them and did n't get anymore correspondence from any lender for XXXX months. XXXX I started getting collection letters from XXXX XXXX bureau and XXXX calls a day from different places trying to set up payment plans and or offers to help asssit me with high costs to get started. They 're requesting my bank account info and telling me my tax check will be taken and also sent a letter to garnish my paycheck at previous employer. At this point I do n't know who to pay if I even need to pay anymore or the amount. There are law suits going on for XXXX XXXX and navient.
Consumer complaint received 2022-10-04
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: U.S. BANCORP (IL)

I accessed my credit report XXXX XXXX XXXX and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, and Elan Financial via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

PayPal has sent out debt collection under my name. I worked with a client who purchased an expensive item from me. She then reported that her card was frauded. PayPal issued her a refund saying that she returned the item to me yet I never received the item. PayPal then charged me for the purchase as I received an empty box. The customer ended up disputing the charge and took the item then returned it empty. She basically stole the item and now I am being charged for it. 
Now the purchase is in collections and is affecting my credit. I need this removed immediately and issued a full refund. PayPal has also garnished my wages of other items I have received payments for. I spoke to a representative in the beginning of XX/XX/XXXX who put in the dispute and explained that I would receive an info letter within 4 days of the call. I still have not received anything and its been almost a month since.
Consumer complaint received 2018-03-27
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (SC)

Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax INC put a collection on my credit file. I contacted the company, XXXX XXXX XXXX over the account. The XXXX states that on XX/XX/XXXX they sent a request for the information to be deleted off my credit file. Its been two months and the account still remains on my credit file. The account is a collection account. After making a complaint on this company that I do not owe and have no contract with Equifax still has the account showing on my credit file! Equifax needs to delete this account off my credit file immediately!