davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc. (LA)

I received a collection notice from a collection agency on XX/XX/18 from Louisiana Recovery Services Inc. stating that I owed a bill for {$75.00} originally from XXXX XXXX XXXX  XXXX. I immediately called the original creditor to inform them that I never received any bills from them stating that I owed a balance and also stated that I paid what was owed at each visit. I was told them that I only received the collection notice from collection agency. All of my information was verified and it was all correct. They then proceeded to tell me that they sent me 4 bills on XXXX & XX/XX/18 and that they were ignored.I again told them that I had never received any bills from them and I asked them to email me the bills that they so called mailed to me.I received the bills and immediately had questions other than not understanding why I had not received any of the bills in the mail nor received any phone calls from them.I called them back to reiterate that I didn't receive any of them and also asked why the 1st bill that they supposedly sent out showed a balance forward of {$120.00} and it also shows a 90 day delinquency as if they had sent out prior bills 3mos ago.She couldn't explain it and told me that the lady that worked there at the time no longer worked there and that I should ignore the questions that I was raising because the billing specifics are sometimes inaccurate.I was told that it was owed and that was it.I have impeccable credit and would have paid it had it been sent.They expect to tell me and make me believe that I received bills that I know I did not receive, that I should ignore the questions that I have about the bills and just pay it.
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks
Consumer complaint received 2022-10-21
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: CREDIT ACCEPTANCE CORPORATION (NJ)

CREDIT ACCEPTANCE CORPOR XXXX LATE PAYMENT In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 ar open end consumer credit plan as late for purpose.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a new Bank of America credit card in XX/XX/XXXX in one day to the other two weeks later they just closed it down. and when I called them they told me that I have very good credit they just want I should go down to a Branch with my license. I went down to fax the documents that they needed and still, they don't want to open up the card. that's real discrimination I have a good relationship with all the banks and they should open the account as soon as possible
Consumer complaint received 2018-12-10
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: PNC Bank N.A. (FL)

I am receiving unwanted ads regarding PNC bank for credit cards. I have attempted to have them stop sending me these offers. They want me to provide to their automatic opt out line, my social security number. Why would anyone put one ; s social security number out there on an automatic line. 
They will not allow any other way to remove myself from these offers. 
I can not believe as the government you are allowing PNC to prevent consumers from being removed from their list using alternative methods besides the automatic. 
Like being able to speak to a live person. While every other institution allows one to actually speak to a live person and they do not ask for our social security number. 
I need my name and address to be removed from their list. 
I need you as our government to get involved. 
Before we have another identification crisis on our hands.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

The bank Dovenmuhle is withholding my escrow amount of {$4000.00} for the past 7 months. It is very difficult during this unprecedented times and the bank is not responsive in returning the money. I refinanced my mortgage with this bank on XX/XX/XXXX. Therefore, under law I am entitled to my escrow amount. Below are the times I have contacted the bank XXXX - First inquiry was made to request status of the check. I was told the check will be coming. 

XX/XX/XXXX, XXXX Second inquiry was made to request for the check, I again was told it needed to go through the system so I should get it in 30 days. 

XX/XX/XXXX - Third inquiry was made to request for the check, I was told it is in the mail XX/XX/XXXX XXXX Fourth inquiry was made to request for the escrow check, I was told by the supervisor XXXX XXXX XXXX , the check is coming. 

Today is XX/XX/XXXX. I have been waiting over 7 months. Coronavirus is a difficult period of time. For the bank to withhold money to ordinary people, is immoral and unethical.
Consumer complaint received 2020-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

Contacted debt collector that this is not my debt. I do not have a XXXX account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and Credit Corp Solutions need to stop attempting to collect money from me.
Consumer complaint received 2018-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Erin Capital Management, LLC (NJ)

Erin Capital Managment attemted to collect on a 15 year old judgment that I have no knowlege of on XX/XX/XXXX, my son bank acount was over drawn, so when we called the bank we were told that his account was levied due to the joint holder received a levy to be place on account for dept, so Iam angry upset he upset because I had no knowledge of this judgment never heard of Erin Managment, never reived any mail from them and I have been living here for over 20 years and never got mail from them. I have updated credit reports look through old credit report and still coudnt find any information reagrding this Judgment, so I was given a phone number from the bank to contack the superior court officer. I called the officer he told me this was a judment from 2003, gave me the number to contact Erin Capital Mangment so I tried to the phone number was suspended so im getting morre angry because what kind of business phone is suspended.I called the officer back and informed him that the phone number is suspended he paused and said let me try so he did and got the same message I gotten, so told me to call the court house and speak with XXXX the court clerk, and gave me a Dc number. I hung up mad angry. Before I called the court house I tried to look up the judgment on line searched and searched nothing comes up. next I contacted the court house gave her the DC number she put in system she couldnt locate who the original credirtor was, she said its to old to find and told me the same information regarding Erin Capital Managment brought this old dept and gave me the phone number I called same thing suspended, like no information no court no nothing just pay the amount they say I owe from 2003. no way is this legal. I have contact my lawyer and will be sueing them as well.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation (TN)

In 2016 I opened a checking account with XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was also listed on this amount. XXXX made 2 purchases at XXXX and the funds were not available. For 2-3 months, 2-3 times a week, XXXX  world try to get their payment, funds still not available, and XXXX charged me {$35.00} in overdraft fees each time even though they not once covered the actual payment. I disputed the original account and won, deleting it from my credit history. I have the pictures of that dispute if needed. So now they are going through a collections agency trying to collect the {$270.00}. I don't understand how the original account was removed from my credit report but now they are able/ allowed to go through a collections agency to try to collect that exact same debt that was already deleted. The name of the connecting agency is Credit Solutions Corp .
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (NY)

XXXX XXXX incorrectly sent this bill to collections which was processed incorrectly for XXXX XXXX. I called the insurance company they reprocessed the claims and paid them. This collection agency is attempting to collect a debt paid by my insurance company.
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, listed on both Equifax and XXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank fees and stop XXXX payment I have a problem with XXXX.I cancelled my XXXX agremment two month ago and they accepted it.But they charged me a couple time ( Date:XX/XX/2019 {$12.00} / Date:XX/XX/2019 {$15.00} ) .I ve talked XXXX more than ten times but they are not helpful, I tried to get my conversation more than last one as a proof but i am scaring to charged me again, They are charging me again again and again their customer servis very bad.They have wasted my time asking questiones.End of the talk, they are saying at this time you use account but next mounth we wont charge it but charged it again.So i need to stop this XXXX  payments on my Chase Bank Acount . But Chase Bank doesn want to stop it cause of insufficent fee XXXX dollars.And they dont want to block XXXX payment .The solution is replacement of cart but i am going to waste time and money again.XXXX  frauding me and Chase cant stop it and supporting them. 
My case Bank Acounnt number:XXXX My XXXX Acount Name : XXXX My email : XXXX XXXX
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hi my name is XXXX,, I have attempted to contact Equifax regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Equifax has failed to respond to my dispute letter sent on XX/XX/2018 and received by Equifax on XX/XX/2018 Equifax has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with the FCRA 30 day deadline. 

Ps : I noticed it said I shouldnt write any personal info!! If you do need any personal information to help this situation please contact me I have all documentation ready. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to Equifax on XX/XX/XXXX XXXX
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX  company that i have ever dealt with. 
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.
Consumer complaint received 2017-09-20
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 (TX)

Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had a store card in good standing ( all previous payments on-time and current ). One day while shopping I was offered a promotional discount to open a AMEX-Macy 's card ( I had a Macy 's XXXX XXXX the promo was for Macy 's AMEX ) . I later discovered when paying my bill that the two cards were not link ( as one payment ). I requested that we combine the 2 cards into 1 payment and verbally I was told they would. Later I started to receive calls stating that I had a balance owed- I communicated that I was told the bills would be combined ( I even received a credit for over-payment ). Macy 's created the confusion " by stating they would combine the payments '' then later saying that they couldn't. While attempting to resolve the confusion I didn't pay the AMEX thinking it had been resolved but the records hadn't been updated/corrected. My account was in good standing... they created and communicated confusion about how the matter could be resolved!
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (PA)

This account was paid off in the form of a settlement. I'm still receiving bills from the collection company. This account was settled in the beginning of last year in the amount of {$750.00}. They have me in collection in the amount of {$1000.00}. This account has been closed and paid off. I tried to resolved this issue on my own but their customer service is rude and unprofessional. I'm getting frustrated because they act like they do not understand their customer. They tried to scream at me for something I already paid.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: City Enterprises, LLC (TN)

On XX/XX/2019 at XXXX, I received a phone call from a representative at XXXX XXXX XXXX to a late car payment that was due XX/XX/XXXX. I assured the representative that I would make the payment. At XXXX on XX/XX/XXXX, I receive a phone call from the same representative. I asked her not call my phone and that I would pay when I have the time since I was at a meeting at my daughter 's school. She called back from an unknown number at XXXX, which I answered and hung up after hearing the representative 's voice. I have missed calls afterwards from a private number at XXXX. Three calls from XXXX at XXXX. Three more private calls at XXXX. There were also calls made to my fiancee 's phone while he's at work. After the parent meeting, I called back to speak to a supervisor. Their major concern was the late payment of {$100.00} out of {$160.00}. The measures taken is not necessary and is ever necessary. This is not the first issue.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I have a debt collection on my credit reports that is not mine I have tried several times to get it removed Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX {$60.00}
Consumer complaint received 2024-03-01
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. (GA)

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.