davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (MI)

On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Yesterday, I received a phone call from IQ Data. They threatened to report me to a credit bureau for not paying a debt I owed. When I pressed them on the debt, they told me they had sent numerous letters to XXXX XXXX XXXX. I do not ( not have I ever ) lived at this address. They said that fact was irrelevant. I asked to speak with a supervisor. 

The supervisor was even worse. She raised her voice to me and even egged me into suing, saying they love to be sued. At this point, I heard cheering in the background of the call, so I assume her coworkers approved of her belligerence. When I tried to resolve the debt through a payment plan, she insisted I pay all or nothing. 

Today, IQ Data called my elderly father, a XXXX XXXX survivor, and harassed him. They apparently implied that they had been hired by the government.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NY)

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Collection Services, Inc. (OK, TX) (TX)

Called American Collection Services on XX/XX/18 at ~XXXX CST to inquire about a debt letter they sent and their rep indicated that the collection was already reported on my credit and would continue to negatively affect me. When I questioned the validity of this statement, she back tracked and denied ever giving this advice. I immediately asked to speak to a supervisor and she said one was not available. I hung up the phone and called back and had another rep route me to supervisor XXXX XXXX, who was actually available. XXXX seemed less than interested in resolving the issue, mentioning that he was too busy to review the recording. Mentioned he would have another manager call me back, but seemed unlikely at that point. This debt service company is allowing their reps to give legal advice when collecting debt and needs to be reprimanded to correct the culture that seems to come from the top.
Consumer complaint received 2018-12-07
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. (VA)

I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Consumer complaint received 2024-02-28
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. (GA)

I got defeated last year trying to resolve the credit agencies reporting accounts that have caused me great stress. I am trying to buy a home in the next year and my credit report has accounts listed that I do not give my permission to have reported. Equifax continues to violate my privacy and my rights as a consumer
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

i have submitted a dispute for an item that doesnt belong on my report for over a year now, and i still have not gotten a response. cant log into their website or speak to anyone on the phone. this has gotten out of hand an their is no excuse for the neglect equifax has shown.
Consumer complaint received 2018-12-07
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: Experian Information Solutions Inc. (RI)

XXXX XXXX response to the CFPB is a blatant lie. Here is why : In XX/XX/XXXX my insurance company, XXXX, issued a new policy which required XXXX to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. XXXX sent a second check to XXXX to account for the two policies. XXXX know this is what actually caused the erroneous escrow amount. I was never notified by XXXX about the two policy payments until I called. XXXX never worked with XXXX to reconcile the right account policy and I never received a letter from XXXX about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my XXXX XXXX escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. XXXX and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of XXXX. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

I received 0 % balance transfer checks stating no interest until XX/XX/XXXX. In XX/XX/XXXX, I transferred approximately {$2600.00} onto the card via this check. Since then, all my payments have been allocated to the 0 % balance transfer even though I had several {$1000.00} 's in purchases. When I spoke to the bank, they said because the rate on purchases is also 0 % ( until XX/XX/XXXX ), they applied all the payments to the balance transfer. As a result, I received no benefit of the 0 % rate until XX/XX/XXXX and the full balance will begin accruing interest in XX/XX/XXXX. It should've been disclosed that I would not, in fact, have the benefit of 0 % balance transfer since I was on a promotional purchase rate. I paid a 2 % balance transfer fee and essentially paid the full amount back the next month. When both rates are 0 %, they should apply amounts over the minimum to the 0 % rate expiring first. I can provide the credit card statements but do not want to upload via this site.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Dear Team, I have a long standing relationship with PayPal and have been using that account for all my transactions ( Pretty much all online ). lately since the beginning of the year 2018 I had established relationship with Mrs XXXX and Mrs XXXX via PayPal and engaged their specialized services. I was rest assured about my money coz its PayPal protected and I was confident because PayPal has all legitimate sellers and buyers and they protect against any delays or issues in the transaction.

Nature of service I had with both Mrs XXXX and Mrs XXXX was time sensitive and results were 100 % assured and due to issues with initial estimates they had asked me to pay more over the period of last 10 months and as I was really in need of the service to work I did comply with them. 

But my patience wore off and now am at the end of the rope. the service was due way back in XXXX but it kept getting extended out. my last payment towards this service was made in the month of XXXX and I lost all hopes of getting this to completed. Thus I reached out to Mrs XXXX and Mrs XXXX to reach an amiable solution but they were unresponsive. in despair I reached out to PayPal but apparently they can not go beyond 180 days. which I was neither aware of nor feel its appropriate coz its for the same service. 

Thus I request PayPal to look into this matter as the transactions were for same purpose and spanned across 10 months due to the nature of the service and it was done to same 2 people and now I did not get the intended service. the total transactions are 36 and total amount transferred {$8000.00} Thank you
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

XXXX XXXX is the company. My complaint is for Unfair Trade Practices. Their website provides incorrect contact information, two phone numbers both go to an automated teller. One states it is to contact a Customer Service Representative. The website shows incorrect available hours - the site shows XXXX to XXXX. Customer Support is available XXXX-XXXX but I only found this out after making three different calls. They contacted me in regards to a late payment on XX/XX/18 stating I needed to contact them to avoid delinquency. I called them as directed but the CSR did not mention I could pay by check over the phone or that I was required to make the  payment that day. The CSR went into sales mode and starting discussing loan modification. I called a second time that same evening because I wanted to confirm if I was required to modify my loan or if it was optional. In both calls I communicated that I would make a payment on the XX/XX/XXXX and a 2nd payment on XX/XX/XXXX. The next day, XX/XX/18, they hit my credit score. If they had been upfront about what was going to occur I would have made the payment on XX/XX/18. Today I contacted them to discuss this and I was told that they were not credit counselors and were not required to provide that information. I was also told they don't take payments in advance. I made a payment today on-line ( XX/XX/XXXX ) and then made a second advanced payment for XX/XX/18 via a phone call. I received a confirmation number for the XX/XX/18 payment. Which is it, they take a payment in advance or they don't? Is there no honesty in banking any more. XXXX XXXX got away with being shady and now BB & T.
Consumer complaint received 2019-08-29
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: BARCLAYS BANK DELAWARE (NJ)

I am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTION SERVIC Account number XXXX Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX- HAS REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE IN FIRST PLACE IT WAS FOR A RELATIVE WITH A SIMILAR NAME AND IT WAS PAID IN FULL WITH THE MEDICAL FACILITY IN FIRST PLANCE. I TRIED TO CONTACT ALLIED VIA PHONE AND MAIL WITH NO LUCK. MY CALLS DID NOT GO THROUGH AND ALL LETTERS CAME BACK UNDELIVERABLE. I CONTACTED XXXX XXXX XXXX- who stated there are NO accounts under my name and they had no idea who this collection company is
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX is trying to collect on a credit card debt that is not mine and they refuse to send me proof of the application where they claim I took out the card. The card they are referencing was a company card I was authorized to use but was not my debt/card. I have asked for proof this is tied to my social security number and they can't provide me with anything. They are merely linking my name to my personal credit cards with AMEX and trying to pass the debt off as mine.
Consumer complaint received 2018-04-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since XX/XX/1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

I didn't report this to Experian because I don't need any more idiocy. They sent me an email to sign up for free credit monitoring as part of the XXXX XXXX XXXX XXXX. It included an activation code and link to a signup site. I spent a great deal of time filling out the form, filling in the code they sent by PASTING it into their form so it would be accurate. After I spent a lot of time filling out the form, my XXXX browser returned an error, " The XXXX token assigned for this session is invalid. Please refresh the browser page. " and didn't process my application. So I tried the same process on XXXX, and this time, when I clicked the " Submit and Continue '' button, nothing happened at all. This process took almost an hour, with no results. I'm not sure why I would want incompetent XXXX like this to monitor my credit anyway! So they're not giving me the monitoring they're legally compelled to give me, and it might not be of any use anyway, given their track record. It's an absolute outrage that horribly-run companies like this have so much power over our personal data, which they seize without any permission, and that we can't opt out of doing business with these XXXX.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX my bank account was debited by ach for {$3000.00} and {$3000.00}. I did not authorize the transactions. The bank rejected the debits and charged me {$34.00} for each debit. I called the bank to inform them that the charges to my account were made in error due to a page that did not refresh properly on the vendors website. The bank informed me that they they rejected the debits. I said that ok because I didnt authorize them. The bank also charged me {$68.00} for the unauthorized transactions which they are refusing to pay back. I told them that I wish to dispute the transactions and the agent on the phone dropped the phone on me.
Consumer complaint received 2021-11-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies. I attached the letter together with the FTC.