davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MA)

There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (OH)

I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (NM)

The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.
Consumer complaint received 2015-06-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Secure Capital Management, Inc. (NE)

Below is a copy of the compliant submitted to the XXXX : Complaint Type : Consumer to Business ComplaintNature of complaint : Billing or Collection IssuesProblem description : I received a call from XXXX XXXX at XXXX, on XX/XX/XXXX, stating that I owed a balance of {$510.00} to a payday loan company. I asked him for the name of the company and he indicated they act on behalf of multiple companies, XXXX of which was EZ ***** which I have done business with. He never mentioned to me that this was to collect a debt per the FCRA. They indicated that they had attempted to serve me papers on a number of occasions and that they are going to begin the court process to collect funds. I have never received any such attempt notifications or paperwork regarding this debt owed. As I have done business with that company, I agreed to a payment plan of {$25.00} every two weeks beginning on XX/XX/XXXX. My final payment would be on XX/XX/XXXX. On XX/XX/XXXX, this company ran my debit card for {$28.00}. I notified the above individual and after giving him my name, he proceeded to tell me that they needed updated payment information. HE BEGAN TO TELL ME INFORMATION ON ANOTHER INDIVIDUAL and had no attempt to verify who he was speaking with. He told me a letter was mailed out on XX/XX/XXXX stating that due to a change in payment processor, the amount was increased. I never received such letter. Told him advanced notice must be given when the is a change to an agreement and he could only say that this was a 'last minute change '. I have worked in banking for 13 years and something like this is never last minute and notices MUST be sent out. 
Desired Resolution : Other ( requires explanation ) Desired OutcomeBilling adjustment - I was never appropriately notified that there was going to be a change to the amount of the agreement. Contact by the business - would like to receive e-mail communication from company regarding my agreement. Apology - official apology for the lack of communication
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (IN)

I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NC)

I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: URS Holding, LLC (NY)

After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
Consumer complaint received 2015-06-23
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc (MN)

I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing an invalid tax lien ( # XXXX ) with Transition and they continue to refuse me a reinvestigation. I have forwarded to them documents and lien removal letters via certified mail and yet they have not verified these items with the state clerk in order to remove the lien from my file. I have called the tax liens office to ask whether a member of Transunion has contacted them or forwarded ant of my documents to them and they have informed me that no one has. I am so frustrated with Transuion then constantly shutting me down. It is their duty to do a proper investigation and i have been waiting over 90 days fro result. I have called and it took me days to reach a reprsentative who claims that no paperwork was received and no further investigation will be conducted. I do not understand what is going XXXX. whether they are lying to me or purposely losing my documents? This lien is not valid and must be removed. I can not obtain a job, nor can i rent an apartment because this is causing a severe affect on my life and this credit monitoring agency does not care and pretends to have not received my documents refuting their verifications. this item should never have been verified. i am speculating that their systems may be outdated or something. Please help
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention. 
It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : LATE PAYMENTS : Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX CHARGE OFF : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX COLLECTION : Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (WV)

Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AC AutoPay LLC, Denver, CO Branch (NJ)

On XXXX XXXX, I contacted AC AutoPay to request a voluntary surrender because it was costing me more to fix different issues with the vehicle than it is actually worth and I could n't afford to keep fixing everything and make the monthly payments. I was told by the representative that the request would be reviewed and I 'd be contacted when a decision was made. On XXXX XXXX, the company contacted me to do a collection call. When I asked about the voluntary surrender I was told that the request had been reviewed that XXXX and they decided not to come pick the vehicle up, that they had abandoned interest. When I asked why no one had contacted me to let me know. I was told they did n't have to. I called back later in the day to request the decision in writing and was told that they do n't provide things like that in writing. I asked to speak with a supervisor. When the supervisor came on the line, he advised that they do n't provide their decisions in writing and hung up on me. A few weeks later, a rep called me to complete a collection call and I advised him that I had no intentions of paying anything else and that I wanted them to come pick up the vehicle. Since that, I 've had to demand that they stop calling my work phone and block them from both my home and cell phones. Then blocking on my cell phone does not stop them from leaving voicemails and they call multiple times a day leaving voicemails where they do n't say anything, just a minute or more of background noise.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A. (CA)

The credit card company Citi Cards/Citibank will not acknowledge a debt included in a Chapter XXXX bankruptcy filing. CitiCards continues to to ignore certified letters, hire debt collection agencies and report incorrect information to credit reporting agencies. CitiCards is using a wrong account number in an effort to ignore the bankruptcy filing, continues to add interest and penalties to the debt, posted it as a Charge Off and past due of 150 days on credit reporting. Our family filed for a Chapter XXXX bankruptcy in an effort to pay our debts. We have never missed a payment and have been following the designation or repayment set out by the US Court system. However CitCards has been reporting to credit agency as if we are late by five months and have refused to pay. As mentioned, I have sent via certified letters and court documents to CitiCards in response to their unfair credit reporting and have received no response. I have sent the same information to credit report agencies and they have all declared that CitiCards information is correct. We are strapped financially and can not afford to hire an attorney. It seems that all CitiCards has to do is ignore us, there is no governing body to enforce a bankruptcy filing with them.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian XXXX and XXXX immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.