davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I communicated with XXXX from XX/XX/XXXX to solve the problem of their service. They were not able to solve the problem, I closed my account with them the morning of XX/XX/XXXX. Their billing cycle closed on XX/XX/XXXX. Attached is my log of the calls which I made to XXXX with their dates. I have taken these from my daily journal. Attached is a file of the details which I sent to the first collection agency XXXX assigned to collect. The first collection agency was sunrise credit services. See the attached pdf file XXXX. This also has the information that I had sent XXXX their equipment back to them. 
They had told me that XXXX  is charging for equipment not returned to them. I sent a second Fax with the receipt of XXXX equipment sent to them by XXXX ( as per XXXX request ). I also asked them to send the details of the {$210.00} bill, which I never received. I was told that since my account was closed they could not send me any details. I did not hear from sunrise credit service again. See XXXX for their info. XXXX was the letter sent by XXXX I did not receive any bills from them detailing the amount. See XXXX for their last bill sent to me and there is a credit since I paid them on XX/XX/XXXX for the amount I owed them. 
I was contacted by Diversified Consultants in XX/XX/XXXX. See XXXX. I told them that I contest the billing. I have not heard from them. They do not have a fax number on their letter. 
I do not think that it is fair to get multiple collection services after me and XXXX not giving me information on their last bill. If they are charging me for equipment then they have received their equipment. If they are charging me for closing their services, then they are wrong on two counts. 
1.My service was started as with no contract. 
2. They could not provide the services so I had to close their account and ask XXXX to install their equipment. They installed new modem which solved the problem which I was having with XXXX. 
I have XXXX XXXX XXXX and I do not appreciate XXXX hounding me with multiple credit services.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (FL)

Was a collection front tv cable, and we talk and we decided to pay i n 2 parts, I pay the first one and I give authorization to get the second pay on my car automatically.    I do n't know why is the complain. I pay for this  XXXX  account alrready.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Consumer complaint received 2018-05-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Good afternoon! I am writing today regarding Citizen 's Bank. I had a personal student loan that I took out sometime prior to XX/XX/XXXX. In XX/XX/XXXX, my husband and I fell on hard times and filed bankruptcy. After the discharge, all of my student loans contacted me and made arrangements for payment. I have been paying on these student loans faithfully for over 6 years. I had many loans, and I lost track of which investors were to be paid. The only company that never contacted me, ever, was Citizen 's Bank. I was not even aware that I owed them any money. In the past 6 years, not once did I receive a notice of payment in the mail, in an Email, or a phone call. I have had a personal account with them for many many years. Last Friday, XX/XX/XXXX, Citizen 's Bank went and took every penny that I had in my account. I am now in the rears with them due to bill paying online, and have several checks that are going to bounce. I understand that they have a right to do this and what occurred was completely legal. I first thought it was a fraudulent removal by someone who may have copied my debit card. When I called the bank, I was informed that the money was taken to partially cover a prior debt with them from years ago. I explained that I have checks out in the mail to pay my utilities and other such bills. I also explained that I have no money left to feed my daughters. I informed them that I was never notified of the debt, or I would have made arrangements. I also informed them that if they placed some of the money back in the account, I was 100 % willing to cooperate and start a payment plan as I have with all of my other student debt. They were unwilling to assist. At this point, I am not sure how I am going to afford gas for my drive to work. They disregarded anything I said and were not helpful at all. Like I said above, I understand that they had a right to do this, but to be so unwilling to work with someone, and to have not provided at least some form of contact for payment in the last six years is in my mind immoral, unethical, and cruel. I don't know if you can be of any assistance or not, but they really put me and my family in a terrible position and I am not sure what I am going to do. We live paycheck to paycheck, and my husband is on unemployment at this time. Taking {$1700.00} is enough to put us in a predicament that we may not be able to dig out of. Thank you so much for taking the time to hear my voice. I appreciate it.
Consumer complaint received 2018-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Roquemore Holdings LLC (IN)

I was contacted by the XXXX XXXX XXXX XXXX XXXX several times by a person identifying herself as XXXX XXXX, trying to get information. XXXX then called and harrased my XXXX+ year old parents telling them she wanted to help me which upset them because they thought something terrible had happened to me and caused my father to have health issues. Then XXXX called my work putting my job in jeopardy which eventually led to my termination. They also called my apartment complex and put me at risk for eviction and ruining my chances of employment with them as I had recently applied for a job with them. XXXX XXXX XXXX and XXXX XXXX destroyed any chance I had at making a living and then repossessed my car. They didn't give me any information such as where the car was taken or how I could settle the issue and get the car back. This should be regarded as harassment and should also be regarded as deffimation of character. I have also endured pain and suffering due to the loss of income and stress. I was only behind on 2 or 3 month 's of payments. I was then informed that the loan was discharged and settled with an insurance company. I received a letter saying that the loan was discharged and the account was closed. I had paid {$18000.00} for a used {$3000.00} car so I thought the loan was considered paid off and I was waiting for my title to arrive but it never did. When I tried to contact the Credit Union about it they told me it was up to the insurance company now but they couldn't give me any contact information. This type of collection practice and loan activity should be illegal and I expect full compensation for pain and suffering plus loss of income.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

This is a debt now turned over to collection which the credit card company has written off - this is not my debt. My brother who was living with me at the time up to his death unknown to me, opened up and used credit cards with my social security information and address and other information. I did not learn of all this debt until his death in XXXX. I am XXXX years old and trusted that my brother was helping me with monthly bills and payments, not knowing he was using my credit information to obtain numerous credit cards and making charges. I have reported this as fraud and advised these charges are not mine.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Its unfortunate that you believe me to be an imbecile, im well aware of how the CRAs operate and that they can not make any changes to an account without the express authorization of a creditor, which means that XXXX had to give XXXX express instructions to Delete or Suppress the account. Now under the statue of good faith I hope that you will see reason in this final attempt for a just outcome. I do ask for your understanding, I was young and dumb when I first got the car ; and im not asking you todo anything that hasnt already been done on your part. Right now im XXXX and im trying get my 1st house, and a new car however I cant do that because this single account is holding me back by 200+ points on my credit report. Once again I plead with you to see reason as I would not like to take you all to court ; I will unfortunately be forced to seek legal counsel in pending litigation of small claims court and the attorney general if we cant come to terms. 

Now under Section 623 ( a ) ( 2 ) of the FCRA If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Which means that as of XX/XX/18 when Toyota reported to XXXX to have the account Deleted or Suppressed that same information should have been sent and updated to all the bureaus. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if I do not hear back from you within 15 days Best regards,
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (FL)

I obtained copies of my credit reports and I also had my credit report pulled by a mortgage company and to my surprise there was a big difference in my credit scores. I looked over the credit reports and noticed that Sam 's Club cards, though opened in XX/XX/XXXX, they were not reported to the credit bureaus until XX/XX/XXXX. 

One Sam 's account was only reported to XXXX and XXXX. Never reported to XXXX. This same account which was opened in XX/XX/XXXX, was never reported to the credit bureaus until XX/XX/XXXX,  which is almost 2 years of good payment history which was never taken into consideration into my credit score as it was never reported by XXXX XXXX/ Sam 's Club . 

The other account with Sam 's was opened the same month and year, XX/XX/XXXX, which is being reported to all 3 credit burueas but the dilemma is this : though the account was opened XX/XX/XXXX, they did n't start reporting the account to the credit bureaus until XX/XX/XXXX. This a a whopping 6 years of good payment history that is not calculated into my credit score, meaning my credit score could be hight if those years of payment history would have been reported. I have paid higher interest rates, been denied credit due to them not reporting ALL of my timely payment history, which is truly not right! 

The last account is reporting to all 3 bureaus, also opened in XX/XX/XXXX again but not reported until XX/XX/XXXX. 

I have contacted XXXX XXXX and spoke with representatives and a supervisor by the name of XXXX, who have tried to refer me to the credit bureaus, and have told me it is at their discretion as to when they report an account to the credit bureau. They offered for a complaint to be filed which would take up to 60 days, however I have applied for a mortgage and this inconsistancy and failure to report all information has caused me to be denied, as factoring this information in will afford for an increase in my score and an approval.
Consumer complaint received 2018-05-30
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. (GA)

Equifax just responded to my complaint about numerouse hard inquiries that are not true. Ive called these people just as equifax advised and have been told they did not report any thing about me that I need to contact equifax who will not acknowledge I am me. the cfpa site is my only means of contacting equifax. Even though supposed inquiring company has no record of these inquiries Equifax is holding firm that there imaginary records are factual and that Im mistaken. Im getting nowere. I really dont want to get a lawyer or file in small claims court as Im terminally ill. Equifaxes identifying info about my birthdate and other identifing info is also incorrect as well as the fact they have multiple files on me for some reason. I was also part of there data breach and Equifax feels its resonable to demand I provide Drivers license, S.S. card, Birth Certificate when they have already given my info to supposed hackers. I also find it supiciouse that equifaxes version of life lock came out near the time of there breach. Awfully convienient if you ask me. How do I get resonable reply from equifax? I want to see these applications for credit and what is making them believe I have applied for XXXX cards automobiles, etc. Please show me were Ive done any of this. Also companies are telling me that they have nothing to do with these inquiries. Cant we have a conference call so everybody can verify Equifax has some how generated things out of thin air.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly asked this credit collection company - Portfolio Recovery for proof of this account being opened and charges being made. I asked for a copy of the credit application & copy of signed receipts. They agreed to provide these items, but even after waiting for over 90 days they were unable to provide any proof other than two statements with a balance forward on them. This is not my account, it is over 5 yrs old and I have called the collection company more than 7 times trying to rectify and yet they still have not removed the collections account from XXXX or XXXX. I even spoke to their dispute dept. who informed me that they do not have a credit application, credit receipts or anything that they can provide me with that would indicate that this is my account. What else can I do?
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (CA)

I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

For years I had a Capital One credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account.  <P/> Subsequently, as I always did, I sent a month 's full payment on the full balance due.  Capital One  subsequently charged me a late fee and an interest charge.  <P/> I contacted their customer service, and was told that my account would be credited the late fee and the interest charge.  <P/> The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges.  <P/> Throughout this time I continued to timely pay my balance due in full each and every billing cycle, and as instructed by  Capital One 's cu stomer service I did not pay the interest charges that continued to show up on my account.  <P/> After months of being told b y Capital One 's custom er service that the interest charges would be credited to me and resolved in a future billing cycle,  Capital One 's same  customer service then said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months.  <P/> During that same call to  Capital One ' s  XXXX   XXXX   XXXX  customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled on the spot during that same call.  <P/> Despite the fact that at that time I had earned nearly  XXXX   XXXX  frequent flyer miles on my account, I flatly refused to comply with the threat made by  Capital One 's supervisor  during the afore-referenced call, and she summarily canceled my account.  <P/> Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon.  <P/> Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles.  <P/> For further details, please see my  XXXX   XXXX ,  2011 corre spondence sent to  XXXX   XXXX  of  Capital One,  which is enclosed with this complaint as a document attachment.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ATG Credit, LLC (GA)

On  X/X/17   , I received a phone call from an  ATG Credit ( based  on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of  XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me.  <P/> I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me.  <P/> My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending.  <P/> If it would be beneficial, I recorded all of the calls.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OR)

I received a an application to apply for a credit card 0 % APR * ( defined by the fine print : * The 0 % APR applies to balance transfers made within 60 days of account opening and for 20 months from opening the account. A balance transfer fee of 3 % of each transfered amount will apply ). After completing the arithmetical calculations it turns out the APR is 1.8 % not 0 % So right there the US bank exposes itself as fraudulent because when you charge a fee the APR cis not XXXX. I contacted US bank and they keep repeating the same line, even though their website explains the difference between interest rate and APR ver cleary. 
Thank you, XXXX XXXX