davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group (WI)

I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (CT)

I tried contacting Avant, the credit card company about an alleged past due balance. I paid my card already however when I logged into my account, it states that I have a past due balance of {$58.00} and change which doesn't make sense especially if they tacked on a {$25.00} fee. I should not have a past due balance nor should I have a late fee. I called Avant this morning on XX/XX/2021 XXXX times and each time the representative hung up on me and neither time did they call me back while I tried to resolve this issue. So now instead of calling back, as I am very frustrated I decided to submit a complaint as that is not how you treat customers. No one should be hung up on while trying to resolve an important matter and have no one call back. The XXXX numbers that I called are ( XXXX ) XXXX and ( XXXX ) XXXX. Each of those numbers I called and spoke to XXXX different reps and was hung up on each time. I have never had a late payment or overage on this card, never taken a cash advance.
Consumer complaint received 2023-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

This complaint involves the primary collection agency and a more recent collection agency. To begin, the primary collection agency XXXX XXXX XXXX XXXX began contacting me about a valid medical debt on XX/XX/XXXX for {$550.00}. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke to a XXXX XXXX. She would not give me her first name. I settled and paid {$330.00} as an agreed settlement amount between me and XXXX XXXX XXXX. Confirmation # XXXX. I continued to receive debt collection calls and letters to my home which I have copies of. I contacted XXXX XXXX back on XX/XX/XXXX at XXXX per XXXX XXXX would close the case out per manager. 
XXXX Received another letter to my home from XXXX XXXX XXXX XXXX Called XXXX XXXX back per XXXX XXXX admitted this letter should not have been sent out and that this is wrong. Spoke to manager XXXX XXXX and she reassured me that she would close this case out and no other correspondence would be sent. 
XXXX received debt collection call from AArgon collection agency ina temp to collect the debt in which I settled with XXXX XXXX  XXXX XXXX 
I wish to file a complaint against this matter and to stop the harassment calls. Please contact me if there is any questions.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I Have contacted this company numerous time to express that lack of evidence that landlord, have provided about the claimed debt. I have never gotten deposit back from said landlord. also, the amount listed on the complaint have change from {$2000.00} to {$1800.00} with no explanation or cause. the amount of creditor have double and they are all claiming to the none existing debt.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: M&T BANK CORPORATION (VA)

$ XXXX was wired to my company account on XXXX XXXX, 2021 internationally. M & T bank is still not releasing the funds and refuse to send $ 650K outgoing wire internationally although we have submitted all of the requested documents to M & T bank. They keep telling us to wait until their security process is completed but it has been 2 weeks already and there is no answer from M & T bank.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several accounts on my credit report that do not belong to me : XXXX : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

After payment was made towards my credit card that had a credit limit of $ XXXX {$700.00} that one towards the billing cycle of XXXX XX/XX/2020 was never correctly applied towards my account balance where in the billing cycle of XXXX XXXX reflected in having XXXX available credit additionally after having a breach and not having been properly notified, I have been having to To deal with the aftermath of unauthorized attempts, other financial accounts, a serious of accounts created in my name unauthorized and not done by me the lease for XXXX years, Ive had to deal with consistent negative reporting sending my credit score plummeting no matter how much effort Ive applied to include hiring Kredit agencies. Nothing has changed. This is unacceptable and as a result of Capitol One gross management they have made no attempt towards accountability nor Closure!!!
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.
Consumer complaint received 2017-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTH BAY ACCEPTANCE CORPORATION (GA)

South Bay Acceptance Corp. kept collecting money from my credit card after I have cancelled the policy in 2016. 
I stopped making payments, nevertheless, SBA continue to take money without my consent or permission. 
I demand the last 6 mos. of payment back. 
The purpose of the insurance policy was to take a State of GA Contractors License test. 
I have failed the test, thus, i cancelled the policy as there was no other purpose.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

I purchased a car on XX/XX/2017 and Santander. Consumer finance never reported my on time payments for the past XXXX years this is a direct violation of my rights and the right to fair credit reporting act I paid on time for XXXX years not one single report I just recently paid the last remaining amount on my loan I want the history of this account fixed immediately or face litigation due to unfair reporting practices
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX AND EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2019-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I previously had an account with XXXX XXXX XXXX for XXXX College that was a derogatory account on all three credit bureaus. I paid that account off and it was removed from the derogatory account listing on all three credit bureaus. After checking my XXXX XXXX score, however, Transunion had docked my score 48 points when all others raised my score 50 points. I called Transunion after a dispute  was filed and settled and they asked me to contact XXXX XXXX XXXX   and have them file the account as removed. XXXX XXXX XXXX told me it was filed as removed the first time and they no longer have access to the closed account. They stated that I should contact CFPB here to file a complaint on Transunion as the other reporting bureaus issued a credit for 50 points when Transunion docked me 48 points for removal of a derogatory account that affects my credit score dramatically.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts arent mine. I have no knowledge of them. I was XXXX when accounts were open. I disputed these accounts on my credit reports. Please remove from my report ASAP. Im trying to get on my feet and when I apply for credit these accounts are stopping me. Im trying to take care of my family. Please remove. 
Account numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-27
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. (NC)

After numerous attempts and sending all documents in for the last year the credit bureau Equifax and XXXX refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from Equifax data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and XXXX also has refused to delete the same
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/year> I charged XXXXXXXX XXXX XXXX XXXX XXXX  on Bank of America credit card in the amounts of {$190.00} ( weight loss ) and {$59.00} ( detox ). I found the extreme weight loss claims and ads to be fraudulent. I have been in contact with both BOA and the merchant multiple times but the merchant only refunded {$59.00} and not {$190.00}. Stating first " merchandise was not received '' even though they would not provide me the address ( stating since I disputed with credit card company they couldn't help me ) so I returned merchandise ( when I received address from BOA ) and was told dispute denied as " I did not follow return policy by getting XXXX ). I notified BOA to close this credit card. 
Since XXXX ( last denial for dispute by BOA ), I have received {$110.00} in late fees, most recent {$39.00} for past few months. 

I have filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX with FTC so this complaint is against BOA for continuing to charge exorbitant late fees on a card I have closed. I advised them this was a scam and I was reporting the company to XXXX  and any other agency I could find for " fraudulent advertising ''. Furthermore, my credit score has been affected dropping from XXXX High to under XXXX. 
Please stop BOA from collecting any and all monies relative to this credit card.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (NY)

I'm a victim of identity theft. Because of that I have a collection account on my Experian credit report. I contacted Experian, provided all the information they asked me for, including a police report, and they are refusing to remove the collection account. I've also reached out to the original creditor as well as the collection company and neither will help me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, someone tried to open a credit card with Bank of America in my name. 

In XXXX I followed Bank of America 's policy to request a copy of the application, following the FACT ACT 151 procedure. I sent an application and a photocopy of my drivers license. They say the mailing never arrived.

I tried again using certified mail. This time they acknowledged receiving it, but inform me that the photocopy of my drivers license was missing. So I should try a 3rd time.

Someone in their mailroom is obviously stealing the drivers license photocopy. I'm trying to deal with attempted identity theft, and I'm being required to do something incredibly unsafe, namely mail a photocopy of my drivers license to a XXXX XXXX  . 

Bank of America insists that no other process for proving my identity is possible. They don't care that they have someone stealing IDs. They don't care that they are flouting the FACT ACT by refusing to comply. I have no reason to believe that trying again will solve the problem.
Consumer complaint received 2019-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is reporting a late for XX/XX/XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I have repeatedly told the debt collector ( I.C. SYSTEM, INC ) from XXXX, Mobility that I have not had an account with XXXX for XXXX years and that the debt they are trying to collect from someone does not have anything to do with me. They are continuing to cause me to spend time which I am sure they can see where the phone service they are attempting to collect for was set up and where the phone was used. They should involve law enforcement in an attempt to find the person who stole their service and not continue for years harassing a person who has absolutely nothing to do with this account and has absolutely no association with the address they are stated the service was for.
Consumer complaint received 2019-12-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I submitted a dispute with Transunion online regarding an inaccuracy on my credit report XX/XX/XXXX. I have not to date received any result or response regarding the status of this dispute. I contacted Transunion by phone XX/XX/XXXX regarding having this information removed as I verified online the dispute was not complete. I spoke with two representatives, the first which said she was not authorized to remove the information. I then requested to speak with someone who was better able to assist me. The second representative " XXXX XXXX '' stated the dispute was completed XX/XX/XXXX and was mailed. However, this information contradicts what the first representative stated saying she could not update the report due to the dispute not being completed in time. I then asked Ms . XXXX why the dispute status was not updated online and she could not say. I also requested she email me proof of the completed dispute dated XX/XX/XXXX in which she said she could not do either.