davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (WY)

I have disputed the medical debt alleged by XXXX XXXX as they charged me an amount so much more than any competitive hospital or medical provider would have charged for the procedure that I had performed at XXXX XXXX. XXXX XXXX was requested to provide an itemized listing with the corresponding XXXX  billing codes and amounts, and they have NEVER provided that list. My review with XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX Hospital, and XXXX XXXX XXXX showed the amount should have been closer to {$10000.00} to {$12000.00} while XXXX XXXX   charged some {$56000.00} per Capio Partners which indicates that XXXX XXXX charged me for more than one patient or willfully and deliberately committed fraud by charging an amount that they knew to exceed what used to be reasonable and customary charges. In addition, XXXX XXXX has been proven to have committed fraud in paying our four top XXXX XXXX executives some {$120.00} XXXX as they sold out to XXXX XXXX, and one of the  selling points was the large " accounts payable '' on their books. In addition, XXXX XXXX XXXX was established to address the lack of care that XXXX XXXX   provides to XXXX residents as myself as they have eliminated XXXX services and operating theater at the old  XXXX Hospital. In short, XXXX XXXX looted the XXXX Hospital to help fund the pay outs to those four XXXX XXXX executives. Capio has not purchased this alleged debt and they have not disclosed how much their fee would be to collect this debt but as a general practice my research is showing much of the medical debt is being discharged at 32-46 % of the original amounts if they met the XXXX  billing amounts. In short, XXXX XXXX should recalculate my medical charges with a full itemization showing the XXXX  amounts. Capio needs to butt out as they are not medical practioners, they can be linked to fraud as they are attempting to profit from fraud, and they are not permitted to see medical billings per HIPPA.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC. (TX)

The credit reporting agencies stated that these accounts were properly investigated came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all of the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (GA)

The auto loan was assumed in XXXX ( in XXXX  ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. 
I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB   accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX  the company name and the word scam out beside it. 
The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.
Consumer complaint received 2023-02-20
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2021-07-12
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. (WA)

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only XXXX  saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from Equifax or XXXX XXXX whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From XXXX  I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From Equifax I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on Equifax, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation. 

From XXXX XXXX I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

ACCT # XXXX This item was paid through their 3rd party collector XXXX. The confirmation number for this payment/settlement is XXXX. 

They have yet to cease collection efforts and still list these tradelines on XXXX, XXXX  and XXXX. This is despite statements from them at the time of payment that collections would cease and that the tradelines would be removed.
Consumer complaint received 2020-08-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-08-12
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. (MS)

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

On Monday, XX/XX/XXXX I realized I lost my Chase Sapphire Preferred credit card. I promptly called Chase to let them know, and they cancelled the card and on Wednesday they sent me a new card via XXXX. On Sunday I was contacted on XXXX   by someone who said they had found my credit card in the middle of the street in a town in XXXX. After providing some information I had figured out that this was the new card that Chase sent me as a replacement. 

The most worrying part of this situation, is that someone was able to use my replacement, new, and yet to be activated to make several in-person purchases. I found this out only after contacting Chase and letting them know that my replacement card had ended up on a street in XXXX somehow. 

It is unclear why the card was able to be used before being activated. When I asked the Chase representative about this they said they had no information and there was nothing they can do about it. 

In my opinion this is a blatant security breach and an inherent problem with Chase bank, who have apparently decided to allow for replacement cards to be used to make in person transactions before the card had been activated by its rightful owner.
Consumer complaint received 2021-07-12
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. (IL)

Account # XXXX - XXXXXXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. The account is listed as a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2020-08-12
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: CITIBANK, N.A. (PA)

During a dispute regarding a fraudulent charge on my Citi credit card for supposed damages to a rental car, I was given explicit instructions several times regarding how to upload evidence, and specifically how to upload photos of evidence, what format these photos must be in, and how many photos to upload per email. I received a confirmation email that the evidence and photos had been received by Citi. During the escalation of the dispute, I had further conversations with Citi representatives confirming their receipt of evidence and photos. 
I then received and email for the Office of the President, Citi XXXX XXXX XXXX, Stating : We sent you a letter dated XX/XX/2020 requesting that you provide a specific response to the merchants claims. In addition, we explained photographs are not accepted. 
Because we did not receive the requested documentation, we have no further recourse to obtain credit from the merchant through the dispute process. 

This was responding to this complaint : I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX pm. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details. 

So, either Citi 's XXXX XXXX XXXX is completely unaware of their own company 's dispute processes, or they are lying to me. I have also written directly to the Office of the President, and am waiting for a response.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2022 I received a notice in my PayPal business account that my account is closed after roughly 17 years of having an account. Ive replied with numerous documents and to my knowledge have not breached their user agreement. My funds of {$11000.00} are locked in paypal and are causing great duress of me financially and emotionally. 

My account email is : XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (MD)

On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANCORPORATION (GA)

On XX/XX/16, my account was erroneously charged with a {$170.00} charge that appears in my account as : AC-XXXX XXXX XXXX -GA XXXX XXXX XXXX XXXX. 
I went into Cadence Bank, where the account is held, to dispute the charge in writing. 

As of this date, XX/XX/2016, I still do not have my funds returned and have not gotten any resolution. 

In XXXX, this happened - same AC payee info, I went into the bank to dispute, and the funds were returned. Unfortunately, the account got hit again with no safeguards even though I was assured this would not happen again. 

We do not pay our taxes out of this account, do not have our epin tied to this account and do not owe any GA taxes.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a loan with Capital One Auto Finance for a XXXX XXXX XXXX. It had been repossessed once and I got it out within the same week that it was repossessed. That was several years ago. 
I then tried to trade the car in for a new car and was told that it had been charged off and that the charge-off was on my credit report. I was never told that the car was charged off and for several years had been paying a car note in excess of {$500.00} of which none of my payments were being recorded on my credit report. 
The car was eventually repossessed in XXXX ( which I thought at the time was against the law due to the pandemic ). At that time they requested a payment of {$5000.00} to get the car back. I was unable to pay that amount and consequently have been without transportation since that time. 
My question is this : How can a loan company charge-off a vehicle for {$20000.00} ( without notifying the client of the charge-off ) and then continue to harass the client for payments for years afterward? Then the finance company repossesses the car ( that is already paid-off ) and then gets to resell the car and I still owe for the car. That seems like triple jeopardy for me and the finance company gets paid XXXX times over for the same vehicle. 
I wonder how many consumers have experienced this tactic from Capital One Auto Finance or other predatory loaners like them? i am sure that I am not the only person who has been victimized by these practices and exactly how much money do these lenders make off of one car?
Consumer complaint received 2020-08-12
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. (FL)

Equifax ; XXXX  and XXXX  are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Consumer complaint received 2020-01-18
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: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX - I canceled Amex XXXX Platinum card. My account has been in good standing before that. As shown in the attached screenshot, the agent didn't notify my any reward removal consequence. 
XX/XX/XXXX - Amex removed XXXX reward points from my account.
Consumer complaint received 2020-08-12
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. (OH)

On my credit report I seen a hard inquiry from XXXX XXXX XXXX and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed