davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit information was grossly misused by Equifax. I am a victim of the recent security breach, and now am having to take numerous steps to try, and protect myself due to Equifaxs unbelievable negligence regarding customer security. This has not only affected me, but my husband as well. Along with 143 million other Americans. I have been working hard to build my credit, and now I have to worry about someone taking all of that from me due to Equifaxs negligence. Not only do I have to worry about  someone tanking my credit score, but I have to worry about the possibility of fraudulent tax returns in my name, or someone emptying my bank account.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (FL)

American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I 'M NEEDING HELP WITH A CREDITOR ( XXXX XXXX XXXX XXXX XXXX. I FILED A CHAPTER XXXX AND IT WAS DISCHARGED ON XX/XX/XXXX2016. SINCE THAT DATE OF DISCHARGE, I HAVE HAD TO REAFFIRM IT THROUGH MY ATTORNEY. I HAVE SENT MILITARY STAR AND EQUIFAX BOTH TO DISPUTE IT AND EVERY TIME I GET IT BACK SAYING THE CREDITOR HAS VERIFIED THAT THE COMPANY IS SHOWING THE CORRECT STATUS CORRECTLY. I 'VE BEEN BACK AND FORTH WITH THIS SINCE XX/XX/XXXX2016 AND HAVE GOTTEN NOWHERE. I HAVE MADE OVER {$240.00} IN PAYMENT BACK TO XXXX AND I WANT IT TO SHOW ON MY CREDIT REPORT TO EQUIFAX FOR CREDIT REPORTING IN GOOD STANDING. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX TX XXXX IF XXXX AND XXXX ARE REPORTING THIS CORRECTLY AS A REAFFIRMATION ACCOUNT THEN I DO N'T KNOW WHAT THE PROBLEM IS WITH XXXX?
Consumer complaint received 2016-12-15
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (AZ)

Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On  XXXX   XXXX ,  XXXX  a charge of {$560.00} appeared on my Ba nk of America visa credit card statement. It was an erroneous charge that I had not made. I contacted the nu mber next to the charge on my credit card statement. It was a contact number for  XXXX . I informed them that I did not make this charge on my credit card. I have never had an account with  XXXX . I then called Bank  of America  to notify them of this bogus charge. The bank then eliminated the charge off my credit card statement. A couple of weeks went by and I received a package that I never ordered. It was a hair extension of some kind. I threw it away thinking that since Ban k of America  had eliminated the charge off my statement that the problem had been resolved. On  XXXX   XXXX ,  XXXX , I arrived home from work to an email message from Ban k of America sta ting that they had reinstated the {$560.00} charge to my account. I responded by calling the  XXXX  number again to try to extract additional In- formation from them. They divulged the business name, niquesboutique and customer service number  XXXX   XXXX   XXXX  to me. I immediately called this number and left a message about my predicament. A person named  XXXX  called me back and apologized for the charge. She said she would work to reverse that charge off my credit card account. We talked back and forth for a few days commencing on  XXXX   XXXX ,  XXXX  but nothing has been resolved about the charge. On Wednesday  XXXX   XXXX ,  XXXX , I called the Ba nk of America to fin d out why they had reinstated the {$560.00} charge to my account. I was passed through three employees at the bank. The third employee became hostile when I explained that I had not made this charge to my credit card account. He stated that since I received a package that I must have ordered the product. He seemed immune to the prospect that my credit card number had been stolen and abused. I have been with the Ban k of America cre dit card since  XXXX . Within that period of time, the bank has issued me numerous, about  XXXX  different credit card numbers, when they felt that there might be an issue with my card number being stolen and used fraudulently. As it stands right now, Ban k of America  has stated that they will begin charging me interest on this {$560.00} fraudulent charge. I am between a rock and a hard spot with neither the bank nor the merchant willing to acknowledge this bogus charge on my credit card account. Please help me.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (LA)

I am writing this complaint because of unfair business practices, concerning my Sears/Citibank Master Card, I have been paying my credit card faithfully every month without ever being late, I am paying more than the {$25.00} dollar amount due each month, sometimes I pay bi weekly because I am trying to pay off balance quickly, However ; I have been noticing each month the amount that I owe goes up each month and not down, I called a CSR on XX/XX/XXXX and was told, I stilled owed {$170.00} on a exercise bench that I purchase on XX/XX/XXXX. This is not true I have paid off this card twice and no one ever told me I owe any other balances and no one has ever sent me a another bill stating this. I have asked for proof that I owe this and they refused to send me a copy showing this balance unpaid. Since I make payments from {$50.00} to {$100.00} a month. I know for a fact I do n't owe this balances, I purchase this bench with my credit card and there should not be any other charges. Then a rep tells me I owe a promotional fee in which I never heard of, I feel as though someone in their company is trying to run a scam, will you please help me get to the bottom of this situation. I went on The Sears Website last night XX/XX/XXXX and did n't see where I owed anything else. Someone is putting additional charges on my card each month and I know this is unfair business practices and illegal.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been in contact with TransUnion , LLC in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and Merchant Credit Guide by certified return receipt back XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that TransUnion , LLC did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from TransUnion , LLC to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with TransUnion , LLC, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (CA)

Collections Account s Skim d iscover after conducting an investigation in conclusion this account is a result of identity the ft 1. This  account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same deb t 2. Another t hing to note as   is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.
3. When I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by Equifax 4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA form when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been with Bank of America for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Bank of America is hurting there small business customers to hit their quota.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Innovis (CO)

I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.
Consumer complaint received 2017-09-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (PA)

The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.
Consumer complaint received 2017-09-18
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: JPMORGAN CHASE & CO. (FL)

I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.
Consumer complaint received 2017-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC (AR)

Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX  specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX  XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP (OR)

XXXX XXXX from XXXX XXXX XXXX called repeatedly before XXXX XXXX  on XXXX/XXXX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax did not implement Cyber Security Standards to protecting PII information resulting in the information being vulnerable to outside malicious attackers. This vulnerability was taken advantage of resulted in my sensitive information being compromised including but not limited to Social Security number, current and previous addresses and credit history. Equifax has not clarified the solution for this breach to the consumer community or highlighted next steps on how consumers can protect themselves aside for 1 year or free credit monitoring with the caveat in regards to their arbitration clause. 1 year of credit monitoring does not come close to mitigating or managing the damage that has been caused because of this.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law