davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (GA)

I have been trying to find the registered agent for this institution that has a company listed as an agent and direct contact to a person. The state listed on my agreement states the company is listed in Ohio but when I search XXXX that site says the company is dead. When I search the address listed on the statement for Michigan it says the registered agent is a company. When I search the site listed on FDIC for Delaware it states the registered agent is a company. This company continues to do business across state lines and does not have a clear and direct person of contact.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am disputing fraudulent accounts on my credit report. This accounts were opened in 2017 when the XXXX breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and XXXX and Transunion continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America is making the entire covid forbearance experience confusing and stressfull. I was given a 3 month forbearance. Before the process began B of A would say one thing and do the other. I began paying my mortgage again in full after the 3 month period ended. Then they sent an escrow shortage bill which I paid in full. I am behind 3 months which is to be expected and allowed per their instruction. Now I am receiving emails saying that I've made partial payments, which is not true. I've paid two months in a row and an escrow balance. The correspondence I've received is so confusing. I'm sure I'm not the only one. The bank really needs to get it together. They are taking my money and applying it in the wrong places and putting blame on me and threating foreclosure. They need to contact me outside of their website and app. This is not the way to assist customers in these difficult times.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (PA)

I pulled a credit report on XX/XX/XXXX and noticed 2 charges from Receivable Management Group on there, one for XXXX and XXXX. I have never heard of this company, or been contacted by this company. So I called the number listed on the report on XX/XX/XXXX. I asked what these charges were for. They couldn't give me specifics but stated it was for services a company called XXXX XXXX XXXX provided. I asked for a statement of charges or verification of charges. They also gave me a number for XXXX XXXX XXXXXXXX  along with an account number - and asked I call them for more info. So I did. When I did, they noticed the one charge for XXXX was billed under my maiden name, and to an address I haven't lived at in over 10 years. But they let me know it was XXXX  services for the time I went to the ER over a year prior - service date of XX/XX/XXXX. I stated to them I had insurance with XXXX XXXX XXXX which was provided to the hospital at the time of service. All other outfits billed insurance accordingly. And I had the statement of benefits from that time and XXXX XXXX XXXX never even billed insurance. Nor did I ever get a bill from them directly. I gave them my insurance info, and the associate there said they would submit to XXXX XXXX XXXX directly. I asked them to remove this from collections as it was their error and they refused. They did say once payment is received from insurance, likely within 30 days, it will be removed. So I waited 30 days. Called XXXX XXXX XXXX  again on XX/XX/XXXX and spoke to another associate. They stated they did not even submit to insurance, that it is still being reviewed. I said it was unacceptable as this is not my debt and is causing my credit harm. She asked for my insurance information AGAIN which I provided, and she said she would escalate and get this submitted again. I waited another week, and called my insurance company, to see if any claims were submitted to them by XXXX XXXX XXXX, and they did not see anything. XXXX XXXX XXXX even called XXXX XXXX and spoke to someone whom again asked for all the insurance information and even asked for the address to mail the claim. Then stated they would submit this for insurance because again it still hasn't been done. This is not my debt. This outfit is in network and had they billed insurance properly to begin with they would of been paid in full by now. And they are clearly stalling and damaging my credit because of their mistake. This is legally not my debt.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

Chase Card Services is violating the credit card act of XX/XX/XXXX by applying payments above the minimum to the lowest interest balances first not the highest. I am attaching statements for XX/XX/XXXX-XX/XX/XXXX since the transfer of 0 interest funds. I called once and had the interest charges removed. When I called on XX/XX/XXXX, about new interest charges the agent and the supervisor both insisted that payment was to be applied to the lowest interest balances first. I noted the credit card act of XX/XX/XXXX, and the supervisor replied that " a global company like Chase would not get it wrong. '' Please note : I am not making this complaint so much to recoup my {$7.00} as I am concerned of widespread violation at Chase and believe this should be addressed at the highest level.

Herewith the relevant paragraph from the XX/XX/XXXX consumer protection law : 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by 5:00 p.m. on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

In XXXX, 2018, I learned that my M & T checking account was overdrawn. I discovered that someone had used my account to make a purchase on XXXX. I contacted XXXX and the charge was reversed. I also notified M & T bank. However, insufficient funds charges and penalties had already been imposed. XXXX restored the money to my account, however M & T did not remove the insufficient funds fees and penalties. Furthermore, the bank took the money returned by XXXX, approximately {$8.00}. Now there is a collection agency demanding {$89.00} for the improperly assessed insufficient funds fees and penalties threatening to damage my credit. M & T must be held responsible for its error and continuing harm it is causing to me.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've disputed an account on my report and the account was removed i seen this via XXXX XXXX. The account was removed from 'TRANSUNION XXXX XX/XX/2020. When i called them they started to act like they didn't know what i was talking. I've had got in contact with a manager there. The lady then proceed to tell me that she was able to see that the account was removed and then replaced back after that. The lady also stated that the company didn't respond in time so the account was removed for that reason.
Consumer complaint received 2019-10-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account Number : XXXX Payments and Other Credits XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$1500.00} Finance Charge XX/XX/XXXX XX/XX/XXXX PURCHASE *FINANCE CHARGE* XXXX TOTAL FINANCE CHARGE FOR THIS PERIOD {$18.00} - Paid off account on XX/XX/XXXX. 
- XXXX charge on XX/XX/XXXX. 
- Contacted bank and discussed same. Told that finance charge/s will drop after 3 additional billing cycles. 
- Understand what you said. But, balance is XXXX on XX/XX/XXXX. Why the finance charge on a XXXX  balance? 
- Request response to help understand. Thank you.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Girvin & Ferlazzo, P.C. (NY)

My account with XXXX was settled in XX/XX/XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (MT)

On XXXX, I paid {$740.00} to Medical Data Systems to settle a debt that Medical Data Systems had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from XXXX XXXX ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to Medical Data Systems a year ago. 

I contacted XXXX XXXX informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that XXXX XXXX has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The notes say {$730.00} was written off but I paid it and have the check to prove it. They also told me if they got it by XX/XX/19 it was good. They got it on time.. It seems you are treating me unfairly.
Consumer complaint received 2024-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NY)

My girlfriend ( XXXX XXXX XXXX ) sent me {$670.00} via XXXX from her XXXX account on XX/XX/29 at XXXX XXXX. I had recently switched my cell phone provider and unbeknownst to me that disconnected my bank account from my XXXX account. It had me sign in and then attach it to my Wells Fargo account ( XXXX XXXX XXXX ). Once attached the money disappeared from the transfer list. I didn't receive any money, but it was taken from her account. We called XXXX, they said it's Wells Fargo, we called Wells Fargo and they said it's chase. We called XXXX and were hung up on every time, finally got someone through twitter and they said they have nothing to do with anything. 

All I know is we are out {$670.00} and no one will help us.
Consumer complaint received 2019-10-26
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: DISCOVER BANK (CA)

On XX/XX/2019 I paid for a service that I never received. It was for an event, and two separate charges were made. {$4900.00} and {$9900.00}. The seller reached out to me and told me they were unable to provide the service and will refund me. When that did not happen, I disputed the charge through my Discover credit card. During their investigation, they reached out to XXXX, who was the merchant account for the seller, and requested information. XXXX send them a receipt that verified the charge was authorized. As I explained to Discover that I have never denied the charge was authorised, my complaint was that I never received the service I paid for. They requested additional information from me, but I could not reach the seller. I explained everything over the phone and they continued the investigation. Based only on the receipt they received from XXXX, they closed the case against me, in favor of the seller. I contacted them right away, within one or two days and asked them, what kind of documents do they need to reopen the dispute. I was told, they needed a written confirmation from the seller, that they have not been able to provide the service and that they have the intention to refund my Discover account. 
After I provided exactly what they asked for, I was told the billing department can not issue money, based on an internal review, and the case can not be reopened. 
My take from this is that, during the initial investigation, they did not do their due diligence and relied only on a receipt which only proves I authorised the charge. Only after the initial dispute with their arbitration was closed, they told me what documents they need from me as a proof and once I gave it to them, They told me there is nothing they could do anyway.
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ad Astra Recovery Services Inc (CA)

I was notified of this account when it showed up on my credit report over a year ago from a collection agency called Ad Astra XXXX located in Kansas. It states I owe {$5700.00}, I had no idea what this was as I never received anything from Ad Astra but they have been reporting this on my credit report for over a year which lowered my scores tremendously. Every time I dispute the account it comes back verified yet I never receive anything showing verified. I sent them a validation of debt twice starting in XX/XX/XXXX and never received any thing back, I sent them over 15 emails, 3 faxes which I have to pay for each time and even had one of my credit monitoring companies send them a call for action which they did respond only to say call them. When I call, the company is mainly used for XXXX XXXX collections and have only a few XXXX representatives or maybe just one named XXXX. They either can't transfer me to one because they phone isn't working, the rep isn't available, the computer is down, all I get are excuses. Even the website when you log on it goes to a XXXX XXXX website. I have called XXXX to see if I could get any information from them but they stated the account belongs to Ad Astra and they can't do anything. I have probably spent over 40 hours of my time trying to get this handled yet I never hear back or can reach anyone. I am hoping you can assist with this so I can figure out what is going on and get it handled. Their website states they will remove it from the credit reports after two years which is coming up in XX/XX/XXXX but I would like to get this derogatory report off my credit sooner.
Consumer complaint received 2020-08-26
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (NY)

I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integrated Asset Recovery LLC (KY)

Several years ago we got into a hardship when my husband became ill and had to be off of work for several months. I had a XXXX XXXX credit account that I had opened in XXXX. After awhile, I was getting behind on my payments during this time, so I contacted XXXX XXXX and did a settlement arrangement with them. I paid that off, but for some reason, XXXX XXXX  reported to a collection called Portfolio. saying I owe {$690.00}. I have tried numerous times to contact trying to dispute this, but in their response they are claiming this is correct when I know it is not. My only problem is, it being several years ago, I can not find my proof. I do not want to pay again after I have settled with XXXX. It is not right to not want to work with me on this matter, I have already told Portfolio, I will not pay this. They are wrong. I have tried several times to get this disputed. It has been put on my credit file as a charge off of {$690.00} by XXXX / XXXX but I never get mail from this company. They refuse to let it go off of my credit report when I contact.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While I have been going back and forth with all the banks, credit people and all, it started about XXXX less then a year after my twin brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unauthorized inquiries. Duplication XXXX  XXXX XXXX Dates XX/XX/2019 XX/XX/2019 XX/XX/2019 2019
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (TX)

Hello, CashApp has taken money away from me from refunds ranging from 80 $ -300 XXXX I have also not received any of these refunds and also have not received any help on getting these refunds pushed through, my paycheck also has not been deposited into my account, which is strange because it always goes through at the same time, every week, and every month. I have contacted all the merchants and they all said they have all processed the refunds fully through their end, its just cashapps end not fulfilling their end.