davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlas Collections Inc. (of New Castle) (IN)

In XXXX of XXXX, I noticed that my wages were being garnished at an alarmingly high rate. I was never served paperwork or notified of a court action against me. I did my own research and found that my paycheck was being garnished by Atlas Collections XXXX XXXX XXXX, Indiana. I called Atlas Collections to get more information on the garnishment, the debt, and to whom the debt was owed. My initial conversation with Atlas Collections involved the representative telling me that I had not one, but two garnishment orders that would be garnished from my paycheck in the amount of almost {$20000.00}. One garnishment was for a rental property that myself and my ex-husband had rented together, and the other for a XXXX bill that occurred when I was around XXXX XXXX XXXX. Since I had a court-ordered garnishment, I didn't know what, if anything, that I could do. They were taking 25 % of my income. I have XXXX dependents, no state help, and bills to pay. This caused a significant financial impact on myself and my family. I called Atlas Collections again in either XXXX or XXXX of XXXX ( this can be verified by my cellphone accounts ), and I spoke to a representative about obtaining an itemized statement of everything that they claim I owed to them. They responded that they would be happy to send me that information. I received a letter dated XX/XX/year> from Atlas Collections, expecting to see ALL of the " debts '' that I owed to their company alongside a breakdown of interest accrued. I received a letter stating that, " The following is an itemization of your accounts as of XX/XX/year>. '' It does not show the XXXX  account at all, rather it ONLY shows the property account that they are collecting via garnishment. I wrote to the court from where the garnishment originated and asked them to take a look at the case. I now have a new court hearing ; however, I find that Atlas Collections and the court 's " due diligence '' to notify were not entirely very diligent. It blows my mind that they were able to locate my employer and garnish my wages, but they were never able to serve me papers on the matter.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I have tried multiple times over the past year to access my account. Citicards has consistently not been available to support, and online services lock me out of managing my card. I have been a customer for over 20 years, so I had a log in and password, but one day it stopped working and would not let me reset. I called, and the automated message said they weren't allowed to assist over the phone. I got to a human in customer support and they said they could only give me the tech support line. The tech support line disconnected the call multiple times, and also, once I was able to enter in a credit card number, told me they had no record of my account. I was able to access a chat support line where they were unable to generate a new log in code for my cell number, again that has been on file for 20 years. As of right now, I do not have access to view or pay or close my account and have consistently been blocked from getting access to it.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (TN)

Ally financial and XXXX XXXXXXXX XXXX from XXXX MD voilate many law against me unfair deceptive false voilate FTC FDCPA, FCRA and XXXX XXXX XXXX XXXX XXXX XXXX and lender copy is XXXX seaprate contract therefor hold no legal right I deman they return my car after they repo holding a contract that falsing create by the dealer Our orginal contract date purchase XX/XX/XXXX and lender copy date XX/XX/XXXX all esign without our consent and fraudulent create a new contract for lender and hold no legal right to repo my car I deman to return the car they voialte the truth lending act never disclose APR and finance charge and whay included becuase if they truth and disclose about it how my contract was add additional fee and warranty and such GAP that fiance charge include and cover everything voilate the TILA and forgery esign on a 2nd created contract I'm using 15usc1635 oh my right to impose and demanding to return our car and the lender is a servicer for the dealer so is debt collect stated and holding a fraud contract to collect illegal and seize out car where u show no documents u even have the right so they can now create all kind of co tract and do random esign signature and start doing whatever they want? The contraxt show THE ANNUAL PERCENTAGE RATE MAY BE NEGOTIABLE WITH THE SELLER..THE SELLER MAY ASSIGN THIS CONTRACT AND RETAIN IT RIGHTBTO RECIEVE A PART OF FINACE CHARGE SO THERE A CONFLICT INTETEST BETWEEN DEALER AND LENDER TO USE UNFIAR PRACTICE TO STRUCTURE A LOSN FOR CONSUMER FALSING THAY NEVER HAVE ANY BENEFIT TO CONSUMET BUT MORE % OF FIANCE CHARGE THEY SHARE TOGETHER SO ONCE AGAIN 15USC1635 RETURN MY CAR AS U HAVE NO LEGAL RIGHT HOLDING A FALSE CO TRACT
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

My Discover card ( which was not late ) was suspended due to my Discover loan payment being 9 days lateMy purse was stolen in late XXXX early XXXX. My credit cards, debit cards, checkbooks and cash were stolen. I had to all my accounts changed over to new accounts. The old accounts were frozen and left open by the bank as they investigate before providing the refund for the unauthorized charges. My credit monitoring company alerted me on XX/XX/XXXX that I missed a payment to Discover loans on XX/XX/XXXX. I immediately called Discover loans explained the situation to them and made the payment which was 9 days late. I am still waiting for the unauthorized charges to be restored to my accounts. Discover loans alerted me that my Discover credit card ( which was not late at the time ) was suspended due to non payment of my Discover loan. Discover loans said once I paid the loan it should lift the suspension and assured me the card was not closed. I called the corporate offices to open a case and explain what happened because I need that card available because it is my oldest card and has a high limit. I have not used this card since before the pandemic. The corporate office was supposed to respond within 48 hours. They did not. I have not had a late pay on either of these accounts which were both on auto pay. These auto pay accounts were affected by the robbery. 
The suspension was never lifted once the payment was made to the Discover loan. They are now saying they must review my entire credit file in XXXX. They said originally it was just the Discover loan late payment but now its something else. This seems like unfair business practices. This is no fault of my own I was a victim of theft and offered to provide them proof from the detective handling my case. I have had this Discover card for over 20 years. This just does not seem fair nor is it what I was told. I did what I was told to do. Discover is manipulating the circumstances where I have already been victimized. My Discover loan payment was ONLY missed because of the theft and the auto pay was affected by the account being frozen before the new account was issued.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America keeps calling me, in the divorce decree she is supposed to take the credit card debt as I ended up being a XXXX XXXX XXXX  parent and now receive temporary alimony that's just barely enough to get by. I told them this on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to name at least three times saying I can't pay and do bot contract my parents who have nothing to do with the debt even gave them XXXX 's number I told them to take off the call list. The employee most recently says yes we can call you and them anytime we want. I paid on those things had perfect credit score until she kept running them up, now they harrass me and my family after telling them I don't have the means to pay right now. I'm gon na eventually take legal action if it continues
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I got a bank of america credit card because in speaking with a phone rep there I was told certain terms regarding a balance transfer I planned to do. After applying for the card and being approved I saw that the information I was given was false so I called and complained to bank of america and cancelled the balance transfer I had initiated. I then used another credit card at another bank to do the balance transfer. 

A few weeks later I was notified by bank of america credit card that my balance transfer had gone through. I previously had complained and canceled this balance transfer due to being given false information- so why did they do this? I called to correct the matter and after spending many many hours on the phone... they do not have a functional phone system or customer service. It is designed to waste your time. Non- functioning automated systems, terrible over seas call centers, incompetence, disconnections, hold times of over an hour .... a nightmare. Eventually I reached a supervisor XXXX XXXX. 
He said if I returned the funds I would get " the balance transfer fee returned to me - 100 % " He apologized for the mistake Bank of America had made. XXXX gave me his direct line and told me he would answer when I called. I have called over 10 times and left 10 messages over the past several weeks. He has never called me back. 

I ultimately, had to wait till the money got to XXXX from Bank of America. Then ask them to mail me a check, then deposit the money in my chase account and then make a payment back to Bank of America. I have done all this. I have had to call their horrible phone system repeatedly and spent well over 12 hour on the phone with Bank of America trying to correct their mistake. I have sent the money back to them from the balance transfer. I have not received a refund for the balance transfer fee as I was promised. This has been the worst experience I've ever had with a bank or credit card.
Consumer complaint received 2019-07-31
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 (OR)

I had a fraudulent charge on my bank of america XXXX  XXXX credit card on XX/XX/2014 for XXXX. I opened a fraud claim with bank of america and they denied my claim only because they said they mailed me statements and I continued to pay my balance on my card.
Consumer complaint received 2024-07-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (MD)

I previously filed a complaint on XXXX about the same issue with the AMEX rewards cards. I am filing another complaint because I have received the last XXXX prepaid cards and those do not work either. I am not sure how AMEX are providing cards for use yet they all have issues and can not be actually used. I have XXXX more cards at XXXX each, totaling XXXX that I cant use.
Consumer complaint received 2023-03-14
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: Exeter Finance, LLC. (MI)

In accordance with the fair credit Reporting act Exter Finance Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

My cars loan was XXXX it's incorrect on my credit report says {$17000.00}. 
My payment history is all incorrect, my credit score is ruined because of this credit company called Automotive credit corporation. My payment says I am still not up to date with my payments, I have like XXXX missed payments, but when I pay, it still doesn't show on my credit report, after reporting this to the credit bureaus, They said instead of the fill balance still owed I had only XXXX balance. This is still incorrect, how after 2 years and 7 months do I have this much still to pay off.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to human trafficking debt bondsge, which falls under trafficking according to trafficking-debt final rule XXXX. XXXX ( b ) ( XXXX ) XXXX. XXXX ( b ) ( XXXX ). i kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the fair credit reporting act. i am a victim of human trafficking of debt bondage & would like for all listed accounts to be blocked and deleted company information transunion. please delete the following accounts. merchants credit guide balances {$900.00} & {$2300.00}. XXXXXXXX XXXX guide balance {$1100.00}. XXXX systems balance for {$1500.00}
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I fell behind on my mortgage payments due to job loss. They did modify my loan but increased my interest rate which increased my payment. I asked if they could do better than that. I recently had an attorney helping that did nothing for me. So on XX/XX/year> I submitted a complete package to them for review and it was denied that day stating the my wife did not fill out a application so they stated it was incomplete and are refusing to look at it. When I was working with the attorney the attorney just had my wife fill out a non borrower contribution form that was it. That was also sent in the package as well. I believe that they just do not want to help me. This has been such a struggle that I just want to get moving on this. After stating it was incomplete they are stating that it is XXXX days prior.to the foreclosure sale that they will not postpone it.I believe that rule which I read on is about XXXX XXXX XXXX. I know my package is complete.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (SC)

First off, my balance is higher than the limits of the card they claim I used, which I didn't. Furthermore, the balance was outright incorrect and continues to rise AFTER debt was sold and closed by XXXX XXXXXXXX. Then, they called me multiple times after I requested to be left alone, the lady screamed at me on the phone. They then called my mother, my father, both my sisters AND my little brother AFTER I requested to be left alone. They left menacing voicemails and scared my parents thinking I was in trouble. Absolute harassment and me and my family.
Consumer complaint received 2024-07-12
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: AMERICAN EXPRESS COMPANY (CA)

I did not authorize the following companies to run my personal credit. AMEX, XX/XX/year>. AMEX,XXXX XXXX XXXX, XX/XX/year>. XXXX XXXX. 
I did not authorize the companies to run my credit on dates listed above this is fraud. I want these inquiries to be removed because they are fraud.
Consumer complaint received 2024-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I have been a victim of identity theft and my identity has been compromised as a result of this I can not move forward financially in using my credit. I am trying to move and put my family into a place where we can live and as a result of these negative items being on my credit report that are not mine I can not. Please assist me in removing these items off my credit report please. I have attached an FTC report to prove that these items are not mine. I have already reached out to the credit bureaus and original creditors please help me.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (NC)

Dispute of Fraudulent Activity on My Report To Whom It May Concern, I am writing to formally dispute certain information contained in my consumer report issued by Early Warning Services , LLC. I have obtained a copy of my report, and there is a statement that says fraudulent activity has been reported that I had no involvement with. 

The specific details of the fraudulent activity are as follows : Date of Transaction : XX/XX/year> Transaction : ATM Deposit of {$11000.00} Account/Reference Number : XXXX I assure you that I had no involvement in this activity, and I believe this is a clear case of identity theft or an error. I had tried numerous times to reason with the bank and inform them that I had nothing to do with this incident, I even attempted several times to report the transaction, however, each time I attempted, the customer service specialist would inform me that there was no prior information regarding me reporting the transaction. And each time before I would end the call with every specialist, they would tell me that they submitted the reported information and that it was stored in their records. To support my claim, I have screenshots of the emails I would receive after each call, despite that, I unfortunately do not have any records that illustrate the exact report of the activity. I have the emails that would indicate that I submitted a report and requested information : I kindly request that you investigate this matter and remove the fraudulent activity from my consumer report. This information is severely impacting my financial standing and ability to maintain my financial health. 

Please confirm receipt of this letter and keep me informed about the progress of your investigation. Should you require any further information or documentation from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.