davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BMO Bank, N.A. (NY)

I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Consumer complaint received 2015-05-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: G. Reynolds Sims & Associates, P. C. (WI)

Law Office of G. Reynolds Sims And Associates, P.C. XXXX XXXX is a Collection Agency. XXXX XXXX associates had been contacting/harassing me since XX/XX/XXXX for a debt they ca n't prove. They also contacted my brother XXXX times, XXXX of them was at his place of employment. They told my brother that they are trying to contact me to collect on a debt that I owe. 

I sent XXXX XXXX XXXX letters in XX/XX/XXXX disputing the collection. I have not received a response to my XXXX letter. I thought that everything was ok until I was contacted from XXXX this year ( XX/XX/XXXX ) indicating that I have XXXX open collections account on my credit report. 

I had received several calls from collection reps. Especially from XXXX, whom was very rude, talked over me, told me to contact someonethat can pay the debt for me or I should sell something. He then asked for mybank account number. 

I told XXXX XXXX I want proof of the debt that they are trying to collect. 
He said it is my responsibility to prove it. I asked him how can I prove it if itdid n't happen. 

I am still trying to get this dispute resolved.
Consumer complaint received 2015-06-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MI)

a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 

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
Consumer complaint received 2015-08-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC (AL)

I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
Consumer complaint received 2015-08-06
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (FL)

XXXX XXXX XXXX with Flagstar Bank requested a notary correction letter via email on XXXX/XXXX/2015. The notary correction letter requested the complainant to attest to the year in which the mortgage was signed. The notary inadvertently omitted the year from the acknowledgment. In a phone call to the notary/attorney 's office, XXXX XXXX threatened to report the notary/attorney, who is also admitted to practice in bankruptcy court, to the bankruptcy court. This conduct is not only unprofessional on the part of XXXX XXXX, but also constitutes harassment and unlawful and/or unethical intimidation on the part of XXXX XXXX, and his employer Flagstar Bank.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (TX)

Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (AL)

US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

Experian Credit Bureau is reporting incorrect information on my credit report for an old account from XXXX saying we are 120 days late as of XXXX XXXX. Last payment they say we paid was XXXX XXXX of XXXX, we never sent any payment to XXXX because this account was included in our Chapter XXXX bankruptcy in XXXX. The loan company at that time was XXXX that we made our payments too, and that we file bankruptcy against in XXXX, The loan was then strip/voided by the bankruptcy courts. This company is reporting false information, and hurting our credit reports. they have been updating with false information since XXXX when XXXX started helping us get our credit reports back in order. Since then we have had nothing but trouble from XXXX.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Palm Beach Credit Adjustors, Inc (FL)

I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.
Consumer complaint received 2015-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC (IA)

I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.
Consumer complaint received 2015-06-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MS)

I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NY)

My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portland Credit Inc (OR)

I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Harvard Collections, LLC (AR)

I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. 

This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!
Consumer complaint received 2015-05-09
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. 

XXXX XXXX
Consumer complaint received 2015-08-04
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (AZ)

I buy a pre-paid phone card for my smartphone through XXXX XXXX, XXXX every month. I expect to get access to my Google account for what I pay, ie : {$45.00}. But what I actually get is a BLOCK from any communications I wish to respond to in XXXX videos & my emails. I can only read, but my answers do not go through. I have never used bad language or threatened anyone or did anything that would be considered a criminal act or break a contract by abusing the service.
Consumer complaint received 2015-08-03
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (NJ)

My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

My bank Wells Fargo Bank offers an " Alerting '' service on my accounts. I opt to get notified via email and text message for overdrafts. The message is titled " Overdraft Protection Advance Notice ''. That implies that I will be notified in advance and I will have the opportunity to correct my balance in order to avoid overdraft fees. However, those " alerts '' are only sent the day after the charges are actually charged to my accounts. This is blatantly deceptive and should result in a class action law suit.
Consumer complaint received 2015-09-02
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (OK)

My tax refund was sent to Paypower on XX/XX/2015. I am unable to access my funds, despite almost 2 weeks of trying. I have provided them with all the necessary information for verification but their mysterious higher department has failed to give me access to my Federal Tax Refund.
Consumer complaint received 2015-06-10
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Received an email from XXXXXXXXXXXX stating that my loan was denied ... Since I would never use a payday loan company and did not submit an application to them I was surprised to receive the notice. Because XXXX of my debit cards had been compromised as well, this made me exceptionally nervous. 
The email had a phone number which is also the number on their website and on the XXXX emails I have subsequently received from them. I called the number XXXX different times and held for XXXX and a XXXX minutes, then XXXX minutes, then XXXX and a XXXX minutes and NEVER did anyone come to the phone. 
I emailed them and told them of the problem at the same email address from the email to me and it is also suggested on their site and on the response emails. 
I received XXXX emails each saying they have no record of my email address and can not help me. 

How did they ever send this to my email if they did not have it? Why can they not simply look at the name and other info? 

In my opinion they are purposely refusing to assist me in this extremely important matter. I can only assume they or their employees are likely to be involved in this given their obstructionism. 

Thanks for any help you can provide