davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (GA)

My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Hi paypal, my name is XXXX and hope to get help with my request. 


on XX/XX/XXXX my account was accessed in an unauthorized way from a XXXX XXXX device from which my account was stolen using XXXX. 
Then a debit card ending in XXXX was used to be added to the account and withdraw my savings. 

Other changes to my account such as the addition of a mailing address and phone number that are not part of my personal information. 

All these changes in the account were made using a device ( XXXX XXXX ) that does not belong to me and that I have never had. 

Also paypal can verify in my usage history that I have always used iphone to use my paypal account. 

I made the claim to paypal with case XXXX and XXXX has been closed not in my favor. 
The agent who assisted me explained all these details that I am exposing in this claim. 

my email is XXXX case XXXX denied
Consumer complaint received 2022-10-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Today, XXXX while I was at work I checked my accounts to make sure all my funds were in each of my accounts ( credit builder, savings, and checking ) I had {$100.00} in my credit builder for a bill I have this week. I look at my credit builder account and see I have only XXXX dollars and XXXX XXXX cents left in my account. When I open look in my recent transactions it says that I have XXXX transactions from a XXXX in XXXX California. XXXX of the transactions were XXXX XXXX dollars and XXXX XXXX cents and XXXX was XXXX dollars coming to a total of XXXX XXXX dollars and XXXX cents. I call chime and file a dispute because I live in XXXX  Texas and have not been to XXXX California ever. In less than 30 minutes they denied my dispute because they found no error in the transaction. As soon as I seen the email I called Chime and they told me they could not let me know the reason they denied it because it was a spectate department and when I asked for the number to call the department. The customer service representative told me they do not have a phone number, they only have an email and I would have to wait 10 business days to receive the email regarding the reasons my disputes were denied. Now I am waiting for the email on why my disputes have been denied and I have no other options besides wait for the reasons they were denied or reopen the disputes with more information, in which I have no other information.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

On XX/XX/2021 my mortgage payment cleared intended for XX/XX/2021. 
I had payed XXXX on XX/XX/2021 and XXXX on XX/XX/2021. 
Instead of crediting the payment for XXXX the payment was applied to principal and " fees '' putting the mortgage in default. I am getting multiple calls asking for the XXXX payment. I have asked multiple people multiple times to correct the error with no success.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of XXXX, XXXX & XXXX of XXXX to access the " free '' dispute option on the Experian and XXXX websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access XXXX and initiate the process. This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
Consumer complaint received 2017-05-07
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. (NJ)

I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX   XXXX    . The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of the  XXXX  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit for  two y ears now. I am unable to get this fixed. Please help.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (MI)

I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with JHPDE FINANCE I , LLC. This Catastrophic error and negligence on behalf of JHPDE FINANCE I , LLC is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.
Consumer complaint received 2022-10-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (CA)

Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.
Consumer complaint received 2022-10-20
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. (KY)

FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (CA)

I received an international transfer of funds into my checking account on XX/XX/2022 at a low exchange rate. I have checked with numerous websites. I have called my bank, USbank foreign exchange department asking what rate of exchange they gave me on that day. I was told that they receive rates from the federal reserve every day. The federal reserve website for that day gave me the same rate that I had found online which was much higher than what USbank gave me. I sent an email to the CEO of USbank I then received an email back saying that they would resolve this promptly. This last week I received a voicemail from the CO Head of the XXXX Team asking me to contact her. She also had sent me an email on another day. So I returned her email saying that I would contact her today the XXXX XXXX at a certain time, I'm PT she is CT. I can not get her on the phone she's always on a conference call. Now it is over an hour and a half later and I feel like I'm getting the run around. This bank owes me anywhere between {$2000.00} & {$2700.00} because of the low exchange rate that they gave me compared to the federal reserve rate where apparently they get their rates everyday. The USbank personnel so far have not been very helpful, abrupt and off putting. I am not getting the customer service I deserve after having banked with them for, now 22 years. I also am receiving pensions from my own country BUT at what exchange rate? This is another query I have with them because nothing is detailed on my E- statements. No amount of foreign currency coming into my account and no mention of the exchange rate for the day that it was wired. Surely, there is a breach of international trading here? This incident that I am reporting is part of my pension and I feel like this money is being stolen.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (NY)

I have an account with Albert bank. They have a program to automatically withdraw funds from my normal bank account ( XXXX XXXX XXXX ) and set it aside in savings. I had to wait over a week to even be able to access the full amount of funds they withdrew from my account, their FAQ tells me this os due to the amount of time it took to make the external transfer, although my bank account certainly had had the funds removed the day the transaction was initiated. When I finally saw they had completed their end of things and that I had the funds there in my Albert savings account, I went to withdraw the money ( {$310.00} ) and the best option was to have it put onto my Albert checking account card. After withdrawing the money, both the checking account and savings account showed a {$0.00} despite saying that it would be instant in my checking account. This was yesterday. I have not been able to get a hold of anyone, as they do not offer live customer support agents to speak with. Additionally, on the phone number they offer you to call and get customer support instructions, the instructions are not accurate. There is no option that they have described on the app. They have stolen over {$300.00} from me, and have given me no form of recourse or path of resolution for this. I need that money now. I want this company to be penalized to the highest extent possible and I obviously want my money back.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have had issues with them since XX/XX/XXXX. On XXXX I requested an investigation on my account .Payments were missing from my statement. I received a letter dated XXXX it is not there procedure to provide a complete activity statement. They only send a limited statement. this letter came from XXXX XXXX Executive resolutions specl. I have been writing them from the very begining since XXXX. XXXX of XXXX I spoke with a XXXX XXXX also a ( Execut.resol specl. ) about a recast on my loan. He explained it in full detail, and he told me about some other options he stated he would get back with me. He later stated I did not qualify for the recast and ask me if I would be interested in a modification. I was frustrated. Now XX/XX/XXXX it appeared that i was having some difficulties with paying my mortgage. I still did not see what the saw. I requested a XXXX. I was assigned an home preservation special. name XXXX XXXX, XXXX XXXX, and XXXX XXXX. I sent in everything that was asked. They sent some one to my home a evaluation was completed on XX/XX/XXXX. The appraisal report valuing my home at {$230000.00} the XXXX. was accepted. I was told by the home pres. specialist XXXX that i was accepted, not to make a payment because things would be different. She would get things done and inform me of the date of my XXXX payment. Fast forward I am on the XXXX. owning a balloon payment of XXXX on XXXX XXXX i wrote letters about several issues XXXX was some one cancelled my home insurance and failed to inform me, missing late payments, and extra charges that I am not aware of. I got letters the same week all saying the exact same thing we have determined your concerns were previously addressed .letters dated XX/XX/XXXX, & XX/XX/XXXX from XXXX XXXX lead Escalations spec. Now my credit is being effected I wrote another letter XXXX asking about that, on XX/XX/XXXX i got a letter stating they are looking into it I was sent their same statement that they seen to always send. I called the center because I could not understand it, it was not self explanatory never was the customer serv. person walked me through it. I kept calling and writing for explanation. I called and spoke with XXXX XXXX we went over the statement and she saw the extra payments that were sent she told me she needed to do more research and would get back with me. XX/XX/XXXX I called her back left voice messages and on XX/XX/XXXX she called me the phone rang once and when i called her right back I had to leave a messg. i left several messgs this time I called and asked to speak with a supervisor. I was connected to lead Executive spec and he was very rude and nasty with me. I got a letter the next day stating the exact same thing. Please investigate this issue. I had this mortgagee for over 30 years and I am having serious problems. I can be reached at XXXX. my home address is XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Omega RMS, LLC (NV)

OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (TN)

Discover card Had a balance transfer offer I paid off but they still charged me interest. I contacted them, they admitted their error and refunded me interest ( XXXX ). I recently received the next period statement and the original transfer amount in question is still showing up on the bill with now sky high interest. I contacted them again ( XXXX ) and asked them to correct my bill and issue a new statement but they are now saying no, that the original person was wrong and I will be charged high interest on an amount I already paid off. 
I took screen shots of most of the conversation and will attach.
Consumer complaint received 2022-10-20
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. (TX)

I am a natural person, I am a living human being, and I have the rights under 15 USC. 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous of. times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G XX/XX/2022, XXXX XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 2022
Consumer complaint received 2022-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/2021, I purchased a ticket for {$61.00} from a vendor called XXXX for a performance on XXXX, XXXX, 2021 at the XXXX XXXX In Washington , DC. 

On the night of the show, I went to the theatre to find it closed. I believe the city forced the concert to be canceled. I never received any communication from XXXX. The next day, I emailed them to request a refund of the ticket price. I have yet to hear from the vendor and phone calls always get a taped message that says call back later. 

The following week, I filed a dispute with the issuer of the credit card, Capitol One and they immediately, refunded the {$61.00} back to my card. 

On XXXX XXXX, 2021, Capitol One took the {$61.00} back from my card. When I called to inquire about this about face, I received a response that did not make any sense. Please help me to get my money back from Capitol One. I have attached a document to help you with your inquiry. The last four digits of my credit card number is XXXX.
Consumer complaint received 2022-10-20
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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 a account without my written instructions. 

Please delete this account from my credit report. 

1. Account Name : XXXX Account # XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The Department of Ed have reported that I have been late on five student loans from them. ( XXXX XXXXXXXX XXXX XXXX late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) XXXX XXXXXXXX XXXX in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.