davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Resource Systems, Inc (IL)

I was helping XXXX XXXX XXXX account number : XXXX on her medical bills.On XX/XX/2019, I faxed to United Resource Systems ( fax number : XXXX ) citing fair debt collection practices act. I asked the company, among others, to stop collection effort and put the account on protest status. The company violated the law by calling Ms. XXXX and me repeatedly. Please help.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Contacted XXXX XXXX to inform that I became ill and was not able to make my payments and worked out a payment plan. They instructed me that I was to make a payment of {$130.00} on XXXX XXXX it was deducted out of my account and arrangements were made for future payments to be deducted from my checking account starting with XX/XX/XXXX payment of {$75.00} and XX/XX/XXXX {$75.00} and {$75.00} thereafter until the account was brought current. With the APR of 0.00 % which is reflected in the interest charge calculation section of my monthly statement. I was contacted by Capital One informed that a payment has not been made on my account. I informed them that XXXX XXXX made the arrangements. I faxed over to Capital One Debt Management Program the letter they sent, along with the bank statements that were requested for them to research  and look into the case.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SUNTRUST BANKS, INC. (OH)

Because of their hard inquiry on my credit, I've been denied a loan specifically citing this company as the reason why i was denied. the new company refuses to reconsider the application without proof. They want the official letter of denial from them. the letter is listed on their website, but gives no way to download or printer said form. The new company will now take any other form of the form besides the official PDF. so i can't copy and paste, i cant take a screenshot. the company insists there is a way to download on their site. I work in XXXX  and i can promise you their site does not have a way to download the form. and they are refusing to be of any further assistance.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

My criminal background check is returning information from 2007. State of Texas law dictates 3rd party agencies cannot report criminal background information older than 7 years.  They have sent my information to an employer.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I was contacted by American Express [ by email]  with an offer for a new  credit card. It was for the XXXX XXXX XXXX. -- a new card and new name. I was offered XXXX  XXXX points for signing up if you spend $XXXX in the first 3 months. I called and checked to make sure that if I spent this amount and charged it to the card I would receive the points. I applied , received the card in XXXX I   called again to check that I would receive the points  and again I was assured I would.  I spent the amount in the first 3 months as required.I did not receive the points. I called customer service and a complaint was filed. I never heard from them. I called again on XX/XX/XXXX --I care # XX/XX/XXXX -- I was assured by a rep that I would indeed receive the points as I was misled. I called today, XX/XX/XXXX to see what happened and I was told they closed the case as a XX/XX/XXXX company that I am the head of had a card in XX/XX/XXXX.  That XX/XX/XXXX received points. They told me there was nothing they would do about not honoring their offer even though I asked before using the card.   I am a XXXX XXXX  and I would have used a different card to make these charges if I was not going to receive this bonus. Also I would have not applied for it in the first place.Thank you for any help with this.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern:I have a lease account for a XXXX XXXX  XXXX XXXX XXXX  with Chase Bank. My lease payment increased by $XXXX due to a state tax rate increase. Unfortunately, this increase was not reflected on my autopay so my automatic payment did not reflect the new amount due. This resulted in a late payment being reported to the credit bureaus. This mark lowered my score by over 100 points and has severely impacted my ability to obtain credit with Chase or any other lenders for my personal and business matters.The monthly payment is over $1,200 and I have paid on time every month for over 2 years. This has been setup on Chase's autopay and I believed that the autopay operated in the same fashion as my other accounts (gas, electric, phone, etc) where the auto payment amount would pay the amount due. I regret that this has happened and it was certainly not due to my inability to pay.I sent this information to Chase and they have acknowledged the confusing nature of their autopayment system but have refused to remove the derogatory mark on my credit report. I am hoping that you can assist me with this matter.Thank you in advance for your consideration. Please let me know if I can provide any other information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery XXXX called my father about XXXX weeks ago on multiple occasions and disclosed to him that they were looking for me and told him about the debt that I owe and who I owed it too. He told them the first time that he has nothing to do with my issues and to not call looking for me, and they called again. The amount of the debt is currently {$1400.00}.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (GA)

1.IberiaBank's Promo bonus offer of $XXXX to open new checking account.  On XX/XX/2019, I opened new a/c  and was assigned number XXXX with $50.00 using promo code XXXX online banking via their ID number XXXX.2.I   then visited local branch to sign completed documentation and set up direct deposit of at least $500.00 per month. On XX/XX/2019 first direct deposit was received. Thereafter, deposits made in XXXX, XXXX. 3.Vendor has not complied with offer terms . It has declined to pay $XXXX bonus amount.They claimed that I did not enter the legend "XXXX" but I informed them that they accepted and approved my application under ID number authentication as above. Subsequently, when I called to verify status of credit, they stated that denial was because offer was not valid  to "clients or  households who have previously had an account with Iberiabank". After my a/c was opened, I referred a roommate who lives at same address as mine. Said person applied for a XXXX Promo bonus offer at the branch, was approved on the spot and subsequently received the promo $XXXX credit.The federal IRS definition of what constitutes a household is very clear and definitive,ie"A person(s) who is related to another by sanguinity for (three)3 generations." They claim that since both of us roommates share the same street address, this constitutes a household. However, I claim that since they are a  bank federally regulated by the Federal Reserve Board and by CFPB, and are insured by FDIC, that Federal Law, including IRS regulations and definitions prevail over any and all other State, County, or local laws and customs and practice, as it pertains to Federally Supervised commercial banks. I wrote a letter of appeal to XXXX XXXX ( telephone XXXX XXXX XXXX XXXX) who reviewed this issue and denied the payment of my Promo bonus
Consumer complaint received 2024-10-11
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: Long & Foster Financial Services, Inc. (GA)

On XXXX I was working with a realtor, I wanted to know how much my monthly mortgage payment would cost, if it would be within my budget. She suggested that I shop around with lenders, not give them my Social Security Number ( to avoid a credit hit. ) and get an " estimate ''. She referred me to a company name XXXX XXXX XXXX XXXX, the person 's name was XXXX XXXX. I spoke to XXXX on XXXX told him that I did not want my credit pulled/hit I just wanted an estimate, he said he understood, advised me to go to his website, enter my info, then he would call me back for review. I did just that I did not provide my social security number, only my name, DOB, and financial information/income. He called me on XXXX and went over my options, at the end of the call I told him I would look around with other lenders and get back with him by the beginning of next week, If I wanted to go forward. To my surprise on XXXX I received an email from my credit monitoring company that a HARD inquire had XXXX made on my credit by Prosperity Home Mortgage LLC. I called XXXX XXXX, he said that it should have been a soft pull. I was told him no one gave you permission to do this. I was very clear about what I wanted you you said you understood. XXXX is so desperate to make a sale that he does not listen to the people he is working with. On XXXX I asked that he send a letter of deletion. he replied ; " I am going through our credit company XXXX XXXX and will be update you as soon as possible. He has never sent me an update, he just giving me the run around. any time I contact him he says " I'll follow up ''. 

This hard inquire is now on my credit report for XXXX, I would be a first time home buyer, and wanted to collect all the information before I made a decision and XXXX XXXX has taken that experience away from me and cause damage to my credit report, which I work hard to keep in a positive standing.
Consumer complaint received 2019-08-16
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. (IL)

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have XXXX XXXX XXXX made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit  with the XXXX XXXX. The dental office continued to bill XXXX XXXX even though the dentist never completed the XXXX XXXX. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/2018, a charge for XXXX as posted against my XXXX Account held by XXXX. This charge was made by " XXXX Bridgecrest XXXXBridgcst XXXX TEL ID : XXXX ''. I tried to call Bridgecrest, but they won't speak to me and insist I reach out to their legal department through my XXXX XXXX. Unfortunately, XXXX won't escalate this on my behalf due to a window ( even though it was quite a recent charge ).
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX. I wired money {$XXXX} to XXXX factory to purchase products. XXXX. BofA didnt release my money to Bank XXXX XXXX XXXX XXXX. BofA the wire money box space is too short that I am not able to put full name of the factory. XXXX. Even I called BofA XXXX account customer service and XXXX XXXX is unskilled dont understand my English and dont understand my request and not able to finish my request. Even I requested to talk to her XXXX but my factory still not able to get my product money. XXXX. I request BofA to improve certain XXXX skills and training them well to hold the position and provide consumers good service. XXXX. It is unsatisfactory for my business needs which the XXXX who handled my calls.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

TWICE IN XX/XX/2018 I CONTACTED EXPERIAN CREDIT BUREAU TO FIRST REMOVE FRAUDULENT CREDIT ACCOUNTS FROM MY CREDIT REPORT AND IT TOOK THEM ME WRITING THEM TWICE FOR THEM TO EVEN PAY ATTENTION TO THE CORRESPONDENCE. WHEN I FIRST CONTACTED THEM I ADVISED THEM THAT MY NAME WAS APPEARING TWICE WITH 2 IDENTIFICATION NUMBERS WHEN THERE IS ONLY ONE ME AND THERE IS NO REASON FOR 2 TO APPEAR ON MY CREDIT REPORT, THEY ARE ALSO REPORTING AN ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX THAT DOES NOT BELONG TO ME AND I HAVE NEVER LIVED THERE AND I NOTIFIED THEM SEVERAL TIMES THAT THIS IS NOT MY RESIDENTIAL ADDRESS, NOR HAVE I MOVED IN 30 YEARS ; ADDITIONALLY THEY HAVE ALLOWED SEVERAL CREDITORS TO OBTAIN, ACCESS AND REVIEW MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE AND I DO NOT HAVE ACCOUNTS WITH ANY OF THESE CREDITORS AND I WANT THEM ALL REMOVED AND DELETED AND I ADVISED EXPERIAN OF THIS TWICE ALREADY AND I AM TIRED OF WRITING THESE PEOPLE. EXPERIAN IS ALSO SHOWING MY HOME TOWN AS XXXX XXXX NY XXXX INSTEAD OF XXXX XXXX NY XXXX AND I NOTIFIED THEM OF THIS SEVERAL TIMES AND THEY ARE STILL IGNORING MY CONCERNS REGARDING THE CORRECT TOWNSHIP BEING REPORTED ON MY CREDIT REPORT. THIS IS A VERY SIMPLE FIX AND I SHOULD NOT HAVE TO CONSTANTLY KEEP WRITING THEM OVER SOMETHING SO SMALL AND TRIVIAL SPENDING {$7.00} FOR PRIORITY MAIL EACH TIME I CONTACT THEM -- IT'S RIDICULOUS!! ... MY EMPLOYER IS XXXX XXXX XXXX XXXX AND I AM A XXXX XXXX, MY PREVIOUS EMPLOYER WAS XXXX UNIVERSITY AND I WAS A XXXX XXXX XXXX AND EXPERIAN CAN NOT GET THIS INFORMATION CORRECT EITHER AND IT IS STILL REPORTING INCORRECTLY WITH TYPOGRAPHICAL ERRORS WHERE YOU CAN NOT EVEN UNDERSTAND THE INFORMATION TYPED, AND LAST BUT NOT LEAST MY HOME PHONE # IS NOT SHOWING AS ONE OF MY TELEPHONE NUMBERS ON THE TELEPHONE SECTION OF MY CREDIT REPORT. EXPERIAN IS ONLY SHOWING MY WORK # AND CONSIDERING I HAVE A FRAUD ALERT ON MY CREDIT REPORT IT IS IMPERATIVE THAT POTENTIAL CREDITORS HAVE BOTH MY HOME AND MY WORK TELEPHONE NUMBERS AND I HAVE UPDATED AND PROVIDED THE CORRECT INFORMATION TWICE ALREADY AND EXPERIAN, WITH IT'S UNDER-TRAINED STAFF STILL CONTINUE TO TYPE THE INFORMATION INCORRECTLY AND NOT PROVIDE ACCURATE AND VALID INFORMATION THAT I HAVE PROVIDED TO THEM. I SHOULD NOT HAVE TO CONTACT THE CONSUMER FINANCIAL PROTECTION AGENCY FOR MATTERS SUCH AS THIS AND EXPERIAN SHOULD BE A PROFESSIONAL ENOUGH ORGANIZATION THAT THE HANDLE MATTERS LIKE THIS MUCH MORE PROFESSIONALLY AND WITH EXPEDITION. IT'S TERRIBLY RIDICULOUS, CUMBERSOME AND I PERSONALLY CAN NOT STAND CONTACTING THEM AND THIS IS ONE OF THE REASON WHY I HAVE NOT EVEN USED MY PERSONAL CREDIT IN OVER 10 YEARS JUST TO AVOID HAVING TO DEAL WITH CREDIT BUREAUS AND THEIR NEGLIGENCE!!!
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I took out student loans for XXXX XXXX. Afterwards, I served in the XXXX XXXX XXXX from XXXX to XXXX. During that time, I told Navient that I wanted to make payments under the Public Service Loan Forgiveness program. The representative assured me that I was making qualifying payments. I learned in XXXX that three of my loans did not qualify for the program and had to be refinanced. I also learned that I was paying a significantly higher payment than I needed to.
Consumer complaint received 2018-10-17
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

Apparently, XXXX sold this alleged debt to Radius on XX/XX/XXXX, I searched my email under " Radius '' and found an email from XXXX  in my spam folder that they sold debt ( email included ) to Radius. However, no email from Radius or anything via USPS about this alleged debt. Checked my XXXX credit report over weekend and found out this alleged debt was added to my credit report without my knowledge on XX/XX/XXXX. How could there have been adequate notice from Radius if XXXX sent email on XX/XX/XXXX and Radius added this debt on XX/XX/XXXX? Shouldn't I have received Notice from Radius in between those 30 days? I did not by email or USPS! I sent Radius a message on there site about this debt they added on XXXX ( screenshot included ) I also disputed with XXXX Saturday.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX I open checking account at Huntington Bank located at XXXX XXXX XXXX, XXXX, Michigan XXXX. Bank representative opening account was XXXX XXXX XXXX. Deposit was only XXXX dollars with intent established I would add more as it became available dependent on my assets being released to me by Michigan Treasury Unclaimed Property (  MDTUP ). On XX/XX/XXXX Huntington Bank representative XXXX XXXX without giving notice or my approval ordered checks for me plus charged my account {$24.00}. On XX/XX/XXXX due to shortage of funds my account was charged overdraft fee of {$25.00} being it possessed only {$10.00} at time unauthorized check debt was charged. As of XX/XX/XXXX additional overdraft fee was charged due to funds for initial overdraft fee was not available. 

At time all these transactions were made it was unknowing to owner of account unto XX/XX/XXXX. On that date owner of account after XX/XX/XXXX visit to bank where account owner shared information of his information concerning possessing assets at MDTUP was incorrect plus property of municipal bonds were not called ( matured ) plus were still being held by XXXX  XXXX XXXX XXXX XXXX unto XX/XX/XXXX. Thereof account owner desired to obtained secured loan with insured municipal bonds as collateral. Huntington Bank representative acknowledged that bank only did secured loans on basis of cash bank held of applicant. At such time none of account charges were bought to my attention. With bank having refused six digit secured loan on XX/XX/XXXX sought to close account but could not do so with Ms. XXXX in error having created overdraft for account holder. Account number XXXX, XXXX XXXX. XXXX. 

Ms. XXXX XXXX at best abused her authority to order checks I did not desire plus charged those checks to my account. At worst Ms. XXXX XXXX knowingly plus intentionally committed fraud that to this date equal to excess XXXX XXXX dollars charged to me in overdraft fees plus is still growing likely to become felony offense. bank representatives I talked to did not possess authority to correct this condition plus left me to discern that my only recourse for due action is complaint. 
I believe we should remedy this matter without further delay or court action by having Huntington Bank erase debt plus return my XXXX dollars to account plus make it available to me. If bank so desire I possess plus will return in entirety unauthorized checks it forwarded to me.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (TX)

I have previously sent this company a request to validate the alleged past due record under the Fair Debt Collection Practices Act and all I received was a print out starting from XX/XX/XXXX through XX/XX/XXXX without any past due record. This company is reporting past due history through XX/XX/XXXX! 
This does not meet the Federal Trade Commissions guidelines of what constitutes proper past due validation. 
This company is now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. This erroneous past due information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. 

This company also failed to : What the past due amount was for : Explain and show me how you calculated the past due amount ( s ) : Provide me with copies of any papers that show I was past due : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations of this reporting and amount due has NOT expired on this account in state of Texas : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Original car TITLE for an auto loan that has been satisfied.