davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (SC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Collection Bureau, Inc. (MD)

I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo wire transfer to XXXX XXXX was returned after they held my money for a week. Nobody contacted me or the receipient about trying to solve the issue before it was returned. However XXXXXXXX XXXX XXXXXXXX didn't return my full amount I sent. They deducted {$42.00} from the amount that was supposed to be wired. Nobody asked them to send it back. Now they refuse to return the money they stole from me. They are thieves. No service was given to me but they still charged me. Shame on XXXXXXXX XXXX XXXXXXXX. They should return my {$42.00} they took without informing me. Now XXXXXXXX XXXX XXXXXXXX is pretending not to exist. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
As a XXXX account holder I'm disappointed that Wells Fargo isn't protecting me. I initiated the wire through them but they accepted a lower return amount. As their customer they should help me retrieve the money and not see XXXX XXXX stealing from me and allowing it to happen.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Revolut Technologies Inc. (MA)

Sent a small transfer through Revolut on XX/XX/XXXX. Agreed to a XXXX THB fee. Got charge XXXX thb in fees. Only received XXXX thb. so XXXX of a XXXX thb transfer was fees. That is 90 % fees. Revolut did not disclose this or put in safe guards against this. They blame intemediary banks, but they are the ones that chose them. My receiving bank has no fees for incoming transfers. 

Contacted Revolut on XX/XX/XXXX and they refuse to fix. Talked to both XXXX and XXXX.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Industries Services Company, Inc. (CA)

On XX/XX/year> I received a letter addressed to me as XXXX XXXX as well as my stepson XXXX XXXX XXXX XXXX company who identified themselves as a Debt Collector. The company was " Cisco , Inc. ''. The information given on the form was regarding XXXX XXXX XXXX for {$990.00}. 

XXXX XXXX is my stepson. He is a XXXX. I have no legal authority, legal custody, or legal guardianship over my step-son XXXX XXXX XXXX He has two biological parents who share legal custody and financial responsibility for their XXXX XXXX XXXX  XXXX. 

My stepson, XXXX, has received XXXX XXXX from the company XXXX XXXX XXXX on throughout the years. They have been ordered by his father and XXXX. I was not involved. 

We have never received a phone call or statement in the mail indicating that a balance or debt is owed to XXXX XXXX XXXX addressed to myself, XXXX 's father, or XXXX. 

I at no time have been involved or have purchased, signed a contract or other documentation or received an invoice of any kind from XXXX XXXX indicating that I have business with them or owe them any kind of debt. I have attempted to call both XXXX XXXX XXXX as well as Cisco , Inc to receive any documentation indicating that I owe a debt to either company and that they notified me that I owed them the amount specified and was given a minimum of 30 days to pay the debt. When I call I am transferred and disconnected. I have also left voicemails with Cisco, Inc but my calls are not returned.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc. (KS)

I negotiated a payment option to pay off this debt with the verbal agreement and understanding that this would not be reported to any of credit bureaus. The lady I spoke with lied to me and stated that absolutely so long as youre making payments, we will keep this off of your credit report. Making all the payments that I agreed on last year I received notice from XXXX that I have a collection account derogatory information affecting my credit score. This company lied to me when they stated they would not report this to the credit as I was making payments. I have proof of these payments.
Consumer complaint received 2024-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC (MO)

Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX, a debt collection law firm, for their violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a debt from me. 

Account Information : File number : XXXX Account holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Violations : - Failure to verify debt : Despite my two dispute letters, XXXX XXXX XXXXXXXX XXXX has failed to provide any documentation to validate the debt, including the original contract and proof of my signature. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Threats of legal action : XXXX XXXX XXXX XXXX has threatened to sue me without proper validation of the debt, which is a violation of the FDCPA. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved However, they have failed to respond or take any action to resolve this matter. 

I believe that XXXX XXXX  XXXX XXXX 's actions are in violation of the FDCPA and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

Jefferson Capital systems {$6000.00} XX/XX/year> I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . Company has falsely reported late payments for years which a violation of 15 USC I666b
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 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 an 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 seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WI)

On XX/XX/24 I opened a checking account and a savings account at Sofi bank. I deposited {$100.00} into the checking. I set up direct deposit from my employer ( Department of Homeland Security ) of {$500.00} every 2 weeks into savings. The first deposit was deposited on XX/XX/24. On XX/XX/24 I was on my way to work at about XXXX XXXX  and got a text saying " here is your pass code '' from Sofi. I was not trying to log in so I pulled over and called Sofi and said I was not requesting a passcode and I think I'm being hacked. They asked me for the last 4 of my social security number so I thought they were not legit and said no thanks and hung up. I got to work and the first chance I got, about XXXX, I looked up the phone number to make sure it was legit. I called them back and explained the situation. They told me there was a {$600.00} transfer made to a " XXXX ''. I told them I did not make it and to stop the transaction. I was told they could not and I will have to wait for the transaction to go thru and call back to dispute it. They said I needed to change my password and then try back tomorrow and see if the transfer went thru. If it did I could file a dispute. I changed my password and waited for it to go thru. I then filled the dispute. Which they denied. I then filed a complaint with the XXXX. They again denied it. I disputed that and asked for the info they used to make this decision since I have no clue who " XXXX '' is and I did not make this transfer. I am attaching the responses. They don't tell me anything except what I was told on the phone... .His name is XXXX XXXX it was on XX/XX/24 and was for {$600.00}. How does that prove it was me?! I disputed that also and got the same response. I gave them my money to take care of and they let some one take it. If I can not trust a bank to keep my money safe, where am I to put it?
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (MI)

Once again I was denied. This time though the company offered an installment payment plan ; XXXX $ now, XXXX $ in XXXX weeks, etc. It was an option that would be available at checkout. I then proceeded to move the necessary federal reserve notes onto paypal to insure the first payment was there, ro initiate the process. Mind you, no finance charge was mentioned, no option to opt out was offered. After putting the funds ( federal reserve notes of comparable cash ) onto paypal, I then proceeded to follow up on the checkout and upon checking out and choosing the pay in XXXX ( which I've been denied before and this time was told that a down payment was necessary ) I was told that paypal was checking something ... .I was then told that I was being denied and that an email was being sent to me with information regarding the denial... AND I LITERALLY JUST FOUND OUT PAYPAL CHARGED ME XXXX XXXX WHICH WAS THE AMOUNT FOR THE PRODUCT I WAS PURCHASING AND TRYING TO PAY INXX/XX/XXXX WITHOUT MY CONSENT!!! Since paypal denied me the credit and opportunity to pay inXX/XX/XXXX the site took the option off the screen and left me with only the option of using my XXXX  card ... YET THEY STILL CHARGED ME XXXX $ even though I used my XXXX..I even got a text from XXXX  confirming the payment!!
Consumer complaint received 2016-08-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (MO)

On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.
Consumer complaint received 2015-12-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (PA)

Our insurance company issued a check for collision repairs to our vehicle. The check was written in my husbands name & our finance companies name since the amount was over {$5000.00}. This check was not signed by mys husband and the finance company cashed the check anyway.
Consumer complaint received 2022-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (LA)

GuaranteedRate sold my loan to a different company before I even made the first payment to them. They have messaged me 3 different times to tell me I haven't paid enough to escrow and I'll need to pay more. When I closed on the house, which was also delayed on 3 occasions, I started receiving spam mail constantly from them about their home insurance. At first it started as a small envelope but after 5 days they started to disguise the envelopes as important paper work just like a scam company would do. I used GuaranteedRate through the company I work for and they seemed great at first but I think it's mostly a scam company with an XXXX of great customer service representatives.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

XXXX, XXXX XXXX, Lvnv funding, XXXX have all refused to validate or show any signatures or photo ids used in this fraudulent activity against me.What they report is untrue, incomplete, and inaccurate... in fact it's fraudulent and they know it.This is fraudulent what these entities are slandering my credit report with causing me great distress and and XXXX of multiple other damages and the know it, can't validate, as it don't exist, it's not mine, and I do not owe them anything.In addition to their fraudulent credit reporting, thereby engaging in fraudulent activity against me themselves they in addition to the great damages they have caused have violated many rules and my rights.I have nothing to prove to them, their predicated and mandated to prove to me through validation which they have refused to do as they cant as it don't exist, it's fraudulent, it's not mine and I don't owe them anything.In addition after failing to adhere in good faith to the rules the have been told to remove as what they report is supposed to be accurate, complete, and truthful and its none of these in fact it's fraudulent.Theyve further violated multiple times more with XXXX and XXXX and have been officially put on notice of which they violated cease and desist among other dishonest tactics of trying to gain off of their intentional fraudulent credit reporting.Will not hsppen.They all have been put on notice for their dishonest fraudulent and damaging violations against myself.Remove all fraudulent credit reporting against me as you all have been put on notice and totally disregarded that as well which adds to the list of violations as and dishonest fraudulent damaging activity all entities listed above have engaged in blatantly with total disregard for rules and my rights or just honesty in general.Again stop engaging in fraudulent credit reporting against me.It is fraudulent, it is not mine, and I do not owe anything. 

In addition : All have been officially put on notice they didn't even have my address til they seen it on my complaint against these frauds on my CFPB complaint, at which time they attached my real address to their fraudulent credit report against me to make it look more credible, but were caught.You failed and your scam is exposed and has been put officially on notice you've all shown total disregard for still.This is not acceptable, its outrageous and disturbing and their dishonest fraudulent practices should never be allowed.All lies against me and my name will not be tolerated.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (AK)

I received a court summons saying I owe {$1400.00} to a debt collector. This collector never attempted to reach out to me prior to this - not a single email or letter about me owing them money and when I check the court website it says they opened this case against me a month ago, but never reached out regarding it until now saying I have 20 days to respond. I was very confused and attempted to reach out to them but they wont talk to me. Im especially confused because I dont owe anyone this amount. I have a {$2000.00} something amount I owe through my bank, {$33.00} I owe on my car loan, and a {$1800.00} debt I owe to XXXX  XXXX XXXX that I have been paying off and their records show it wasnt sent to debt collection. Even when I check my credit score/history it only lists these three so Im not sure where this company is getting that I owe them money. I cant even find them online. The summons and court documents say its XXXX but XXXX keeps trying to change it to Unifund.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX NY {$1400.00} Transaction Date XX/XX/2023 There was an unauthorized order placed on a Bank of America credit card I never received in the mail. The merchant provided an order invoice with the incorrect address and Bank of America is still holding me liable for this transaction. The merchant did not have my apartment number on the orders invoice. I never received anything or dealt with the merchant before. Bank of America is refusing to refund me for a purchase I did not make on a card I never received
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (CO)

Used Klarna to make a XXXX 's purchase. Returned all items and was only given a partial refund. Neither Klarna not XXXX 's will resolve the issue. It was very hard to even find customer service for Klarna and they passed the buck to XXXX 's once I was able to finally contact them. Feel like I am caught between Klarna and XXXX 's.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I paid off my mortgage using a payoff amount provided by the company that was good through XX/XX/XXXX. The mortgage company then went ahead and took an additional payment out of my account on XX/XX/XXXX. They then refused to even allow you to wait on hold to speak to someone and are holding on to my money. It is unacceptable to steal from someones account and have no one answering the phone on your customer service line during business hours.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

This debt was placed back on my credit profile twice which is illegal being it was removed once already.

Bull city financial had failed to provide me with a purchase agreement of this debt. They instead sent me a bill that does not have any of my correct personal information on it. They continue to ask me for things but can not provide me with a purchase agreement to this debt. Both addresses on original bill Ive never lived at either and neither are on my credit profiles. I have my deed to show proof we owned our home long before this fraudulent account was even opened.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Healthcare Finance Direct LLC. (PR)

On XX/XX/2023, I started a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a financing plan with Healthcare Financial Direct. That plan started in XX/XX/2023, and ended unsatisfactory. On XX/XX/2023 I had to request a realignment plan since the first plan did not complete the alignment process. I finished that second plan without the fully alignment as well. I now need a second realignment plan and XXXX  has filed for bankruptcy. I reached to XXXX to request about the situation that I need assistance to product I agree to buy which I continue to pay, and their response was that they are only the payment processors and not responsible for the service. I need support with this because my alignment was not completed, and if I can not received a XXXX  set I want a refund of the amount I have paid and a stop of payment of the remaining amount.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid off my balance due and closed my account on XX/XX/year>. I have since been charged for a " minimum finance charge '' and subsequent late fees, after closing the account. When I contacted the company to ask how that was possible when I had paid off the balance and closed the account, the customer service manager literally told me that I had not " asked about the finance charges I owed ''. It's absolutely ridiculous for a person not to be told the TOTAL amount they owe when trying to close an account and then being charged afterwards for finance charges and late fees.