davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No.  XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. 

I'm a bit in a panic state about this. 

I'm XXXX years old, on a pension and social security. 

A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. 

My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. 

My maiden name at the time I went to XXXX was XXXX XXXX XXXX. 

I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. 

I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. 

If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. 

I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. 

Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MT)

This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (WA)

I have attached my last three billing statement to support my claim with dates. 


I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. 


Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. 

Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. 


Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. 


Discovers practice should be investigated, as it is deceitful and unclear. 


I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX  and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. 


Additional History : Note : The original balance transfer was XXXX dollars. 
Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My Chase Savings account had the following unauthorized XXXX transfers : XX/XX/XXXX - {$0.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$400.00} ( XXXX XXXX ) XX/XX/XXXX - {$1.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$260.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$300.00} XXXX instant transfer XX/XX/XXXX - {$490.00} XXXX XXXX transfer XX/XX/XXXX - {$560.00} XXXX XXXX transfer XX/XX/XXXX - {$480.00} XXXX Instant transfer I notified the bank of the unauthorized activity on XX/XX/XXXX, initially {$2100.00} of the charges were reversed by Chase. However, they changed this decision and later only refunded {$1000.00} of the total {$3300.00} ( reversing the transactions from XX/XX/XXXX and XX/XX/XXXX but not the transaction from XX/XX/XXXX ). Despite several appeals and the willingness of XXXX to reverse all of the transactions per several conversation with XXXX, Chase refuse to request ACH transfers for the remaining transactions leaving me with a theft loss of {$2200.00}.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt. 

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2018-04-22
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: Experian Information Solutions Inc. (GA)

I have disputed negative information on my credit report from XXXX XXXX XXXX 's Account number XXXX with Experian several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to Experian on three separate occasions via certified mail. I am requesting that Experian to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off Experian clearly ignoring federal law.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MO)

I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.
Consumer complaint received 2018-04-23
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)

My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Consumer complaint received 2018-02-23
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. (NY)

XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize all these inquiries. 
Please remove from my report. 
Thank you.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

Re : NCA ACCOUNT NUMBER UNKNOWN Dear NCA ( NATIONAL CREDIT ADJ ), I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account. 

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it. 

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions. 

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

in XX/XX/XXXX I lost my home with HSBC. I tried since XX/XX/XXXX to do a loan modification with them directly. they made me send in papers and fax over statements. in the end they didn't approve or help me at all. I had to lose my home to short sale at XXXX XXXX XXXX XXXX XXXX fl XXXX. I heard about the HSBC mortgage settlement. I called the number but they can not help me. I already moved to a new home XXXX fl XXXX. I need to know if I am eligible to receive a settlement from HSBC? thank you.
Consumer complaint received 2018-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My bank accounts keep being sent to this address. They are cancelling my card and receiving my replacement cards to this address. One representative told me that he messed up and used one of his emails involving his name. His name is XXXX XXXX. I did not authorize him to use my account or take any initiative involving it.
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (NY)

15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX dated XXXX 15 U.S. Code 1679cXXXX reporting unauthorized fraudulent inquiry from citybnk dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.
Consumer complaint received 2018-03-22
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. (TX)

I noticed that there is an unauthorized hard inquiry on my Equifax credit report that was processed by XXXX XXXX. I didn't recognize the inquiry and contacted XXXX XXXX   to ask them to remove it since I don't have any business relationship with them. A few weeks later, XXXX XXXX   sent me a letter stating that they don't have any record of me in their systems and that they never did any inquiry on my credit file. 
Finally, I contacted Equifax and submitted the XXXX XXXX letter as a supporting document in order to get the hard inquiry removed from my credit report but Equifax responded with a rubber stamp statement saying " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. 

I don't think Equifax properly investigated the case or even looked at the supporting document that I have provided and I have firm believe that my credit record was illegally accessed and altered as a consequence of the Equifax 's data breach ( The unauthorized inquiry occurred around the time the data breach was discovered ).