davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In early XXXX around the XXXX or the XXXX my brother recieved a call from Portfolio Recovery asking if the could speak to me. He stated he was my brother and that he could give me a message. So since he knew my name, the repersentative preceeded to tell him I owed for 2 outstanding account within their office and gave him the amounts {$640.00} and {$440.00} and who the original creditor was XXXX XXXX XXXX and told him that he better tell me to call them. I called them when I got off from work and was basically told that since he knew me that they could tell him everything. She even told me that they can continually call him until I pay off the debt owed. They have since called him 2 more times. With him telling them to stop calling his phone. I have sent them letters asking them to correspond with me by mail only but the seem to ignore those requests.
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I originally submitted all necessary PLSF documents to my previous loan servicer, which were confirmed and then transferred to MOHELA. Prior to the XX/XX/XXXX deadline. After the deadline had passed, MOHELA notified me that they did not have any documentation and I must resubmit all application information. This was completed on or around XX/XX/XXXX, with confirmation of fax receipt received. However, MOHELA then rejected and canceled these documents, noting them as duplicate, despite informing me that the documents were never received. I did not receive this information until I personally checked in XX/XX/XXXX. I called to resolve this issue and MOHELA insisted I use the online portal to resubmit all documents for the third time. This was done. However, on XX/XX/XXXX, my application was again canceled and determined to be a duplicate. I called to have this issue resolved and was informed that my account was actually being worked on, but MOHELA was unable to provide any evidence of this. MOHELA then stated that my application was being worked on since XX/XX/XXXX, but then were unable to explain why I was told that all of my documents were missing. When I requested escalation, I was placed on hold, then the call was abruptly ended.
Consumer complaint received 2019-03-21
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: Experian Information Solutions Inc. (NC)

I have filed a complaint against XXXX XXXX. XXXX XXXX   illegally added their company to three credit bureaus. Experian, XXXX and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my credit report.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I used a service on XXXX to paint my wheels and calipers. After the work is completed as the service performer indicated, I paid him {$700.00} via XXXX. 

After removing the masking off my rims, I saw the damage that was done to my vehicle which includes damage to brake rotors, overspray to multiple areas of the car ( paint damage ) and the service itself was defective and not as agreed on before. 

I tried to contact the service provider but he did not come back nor answered my text until this date. Therefore, I tried to dispute the charge with my bank ( Chase bank ) along with : 1- colored pictures of the defective service which shows the damage done plus the defective service. 
2- a letter with a second opinion from a business that offers same type of services performed on my vehicle by the provider And, today Chase declined my dispute because it doesnt fall within XXXX guidelines for a dispute. Although all the proof and evidence submitted qualifies for a dispute under defective or not as described service.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In late XX/XX/XXXX, I received a letter from Bank of America alerting me that my Credit Limit had been decreased from {$4000.00} to {$2200.00} due to a delinquency in the account. I was extremely confused by this as the payments are automatically sent every month by XXXX XXXX XXXX. I called Bank of America and was informed that the account was considered delinquent because my last payment was late and I was hit with a {$27.00} late fee and they are unable to waive the fee. The agent I talked to stated that the due date was on the XXXX for that month. Normally the due date for Bank of America is on the XXXX. There was no holiday or any reason for the due date to have been moved that month. The agent was perplexed by this and could not offer a reason why the due date was moved up. 

By having the due date moved up ( without consent ) my payment was considered late which triggered a late fee and made the account delinquent per Bank of America. This also caused the account 's credit limit to be sharply cut as well. BoA has offered very little to assist in this and I am submitting the complaint to the CFPB as the due date should never have been changed and was utterly unacceptable.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (VA)

On XX/XX/2018, 8 different financing companies ran my credit : Global Lending Services, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I believe what happened was that the car dealership I went to ran my credit without my permission. The car dealership is called XXXX XXXX  on XXXX XXXX XXXX XXXX  XXXX, VA XXXX. 

On XX/XX/2018, XXXX XXXX XXXX also ran my credit without my permission.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when I reviewed my credit report and found a a late payment for the following date : XX/XX/2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (MI)

AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX  CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. 

AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY EXPERIAN CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SD)

I submitted my Department of Defense paperwork [ XXXX ] to be reviewed and forwarded so I can be repaid for my student loans on XX/XX/2018. After two weeks I called to ensure my paperwork was processed as normal. I was told my paperwork was lost and had not been touched since uploading it to their website. They reassured me that they would complete the work needing to be done and it would be resolved within a few days. I called approximately one time over the next 4 weeks only to be told nothing has been done with my government papers each time. My last phone interaction was XX/XX/2018 and I was told nothing has changed. For the last several years XXXX has processed my government paperwork within a few days. With every week that goes without them submitting my paperwork to the DoD, I am not getting repaid for my loans - and I am unable to use one of my military benefits defined within my government contract.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
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. (VA)

I submitted a dispute with Equifax 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 Equifax, 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 directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with Equifax. Approximately XXXX months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called Equifax 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 Equifax claims to have if not correct. It appears that Equifax 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 2020-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -Transunion , XXXX , and XXXX  ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I am an upstanding XXXX XXXX. I have been the victim of identity theft. 
I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. 
They seem to feel they are immune to following your laws.
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NE)

I contacted multiple different mortgage companies to shop around for a mortgage on our new home. I already had chase accounts so I checked with them as well, I was told that I would receive XXXX bonus points on my Chase Freedom card, XXXX points on my Chase Sapphire Preferred card and {$500.00} cash back in my checking account as a signing bonus once the mortgage closed. I was offered over {$2000.00} cash back with another local company but because I already had Chase accounts and they offered something comparable I decided to start a mortgage with them based on their offers to me. The mortgage has closed and I have now not received the full offers that were made. I received the XXXX points on my Chase Freedom card and the {$500.00} cash back in my checking but not the XXXX points on my Chase Sapphire Preferred card. I have contacted chase multiple times regarding this, have emails stating I would receive the points and have yet to receive them. I just spoke with chase resolutions and the gentlemen advised there was nothing he could do because they can only offer XXXX points to only 1 account. This is not what I was told and if I would have known this or had been told this I would NOT have gone with Chase for my mortgage. These points are equal to {$500.00} in cash back or {$500.00} X 1.5 for travel and I would not have gone with chase if I was not offered these perks. They falsely advertised and are not willing to follow through with their offers.
Consumer complaint received 2018-04-19
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. (CA)

I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit contacted me in regards to an account that i have no idea about. When asking for verification, the agent stated " You know this is your XXXX XXXX '' I asked the agent to then repeat what he said, and he said it again. He also told me he will call me everyday until I pay them. I asked them not to contact me again unless its in writing. They have called as early as XXXX and as late as XXXX pm, stating they are different people each time. I also have been recieving multiple items in the mail concerning this debt when i am just asking for verification.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitalone has two of my credit card accounts. One they purchased from Orchard bank which I guess went out of business. At the time my Orchard card was at 14 % interest. Lower then my capitalone card, until they bought the Orchard bank account. Then interest went up, dont even know if this is legit. Anyway my problem is they recently gave me a credit increase on the one card on XXXX to XXXX dollars. All I asked was for a credit line increase on the other card recently XXXX of 2019. Last credit increase on the card asking for an increase was on XXXX to XXXX dollars. There excuse or reason for not giving me an increase is that I dont pay enough per month on my card. Then I looked at my payment history. Payments were well over 10 times the min payment. XXXX one month XXXX another a XXXX one month. Yeah Im paying down my credit cards isnt that the objective. They could of came up with a better reason then that. I feel they are probably making more in interest off of me on the other card and want to give me more room on that one to charge up cause they make more money in interest. Might I add Never late, Never missed a payment. This is how they treat loyal customers. So reaching out to anybody on the phone is of no help, so thats why I am writing this complaint.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (MD)

I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
Consumer complaint received 2022-06-13
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I have a XXXX charge from XXXX  that I don't recognize. I immediately called it in as Fraud, and was promised a provincial credit and was never given that. On XX/XX/XXXX I got a letter that charge was indeed fraud but I still haven't received any credit and was charged since late fees and interest. Today XX/XX/XXXX when I inquired why the charge is still there I was told that this was never called in as fraud.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (MN)

Experian and XXXX both responded with verified without providing verification information. Contacted them both via Certified mail on XX/XX/2022. The tracking number is XXXX and XXXX. 

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. 

XXXXXXXX XXXX XXXX XXXXXXXX {$5200.00}, XXXX XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} has violated my rights.

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.