davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Municipal Collections of America Inc. (IL)

Bill # 1. amount {$910.00} date XX/XX/XXXX - Village of XXXX XXXX ( insurance company issued a letter that amount charged is too high and the recommended amount was {$650.00} but the company still continues collection efforts for the higher amount. Plus the bill was issued in the minor 's name not including the parent. Collection efforts are against the dependent not the parent ). 

Actions taken by me - included this bill in the Chapter XXXX Bankruptcy repayment plan filed in XX/XX/XXXX but still receiving bills from collection agencies.
Consumer complaint received 2020-02-11
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: EQUIFAX, INC. (LA)

I've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.
Consumer complaint received 2020-02-11
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: Neon Newco Corporation (CA)

Hello. I received today XX/XX/2020 a Netspend card ending on XXXX that I have never requested. I called the company three times but to let me talk with a representative I have to give them the numbers of the card to force me to activate it. I want they to cancel this card. I think it is a scam. My name is XXXX XXXX
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Today XX/XX/XXXX I had a payment of {$4000.00} due which i initiated online at XXXX. Capital one has an arbitrary cut of of XXXX after which payments made on that day are no longer applied to that day but the next and they are proceeding to not only charge me a late fee but tabulate interest in the balance and charge me that too. I submitted the payment with over 3 hours left in the day and have been told 'there is nothing they can do ( but charge me interest and late fees ) ' even though i submitted the payment on the day it was due, 3 hours before the end of the calendar day. The day ends at XXXX XXXX  and the law should not allow them to change the end of day arbitrarily to a time to allow them to collect more fees from consumers.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2020 I called Wells Fargo to fix my account and was told it was closed after I went in XX/XX/2020 to report that some got into my account while I was in the hospital undergoing treatment for XXXX. I had no idea that my account was tampered with and thought I had a new account opened to replace old account that was cleared out of over 1500.00 while I was in hospital. Then the bank has closed my account, but I filed with police and person on phone was very rude and I was just trying to get my account info of new account I opened to replace old account of protect myself. However this man degraded and would not let me place a claim against account for money taken out. Instead he pretty much said good luck and I was trying work with bank but this man did not get the memo I guess of how to treat customers. I have a open account but he told me I don't. I just wanted to make sure my paycheck would get misplaced again with them as this is second time I was treated this way by them.I am very unhappy.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been filling on all 3 credit reports advising that I never open an account for XXXX or Recovery Profolio ACCT# XXXX   for $XXXX the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as XXXX Acct# XXXX for XXXX. According to these lenders the account where open from: XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof (As what they requested which was XXXX XXXX XXXX XXXX  receipts) that the only address I have lived in the last 42 years has  been: XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE #### DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM  THE ELECTRICITY COMPANY???
Consumer complaint received 2022-11-30
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. (GA)

in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

I have opted out of credit reporting and Citibank N.A is acting unlawful by denying my request. Citibank N.A is in Federal violation. As per the provisions outlined in the United States Code Title 15, Sections 6802-6805, commonly referred to as the " Gramm-Leach-Bliley Act, '' creditors are required to provide consumers with the option to opt-out of having their information reported to credit bureaus before automatically opting them in. This legislation emphasizes the importance of consumer privacy and the right to control the dissemination of personal financial information. Therefore, creditors should afford consumers the opportunity to make an informed decision regarding whether their credit activities are reported to credit reporting agencies, thus safeguarding their privacy and financial autonomy. After further review Citibank N.A did not provide me the option to opt-out of credit reporting and does not have specific provisions readily available that denies the consumer ( account holder ) the right to revoke consent to report my information to credit reporting agencies in the Card Member Agreement. Further more the account is being reported as charge offs. Citibank N.A can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Citibank N.A for the cancelled debt of the alleged debt in order to file as ordinary income Citibank N.A where is my 1099-C? Citibank N.A is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! Citibank N.A has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate, un authorized non public information!
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: URS Holding, LLC (NC)

I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XX/XX/XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 20 years old and at this point I want the garnishment removed and the debt to be forgiven.
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2020 I mailed a second letter requesting that my debt with the company above be validated. I have no knowledge of this debt.The creditor provided me the attached information. They have refused to provide me an agreement between them and their client that identifies that they have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of alleged debt. They have not provided an agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization. 

The attached has information that is a VIOLATION of HIPAA because i have never given SIGNED authorization to Transfinancial Companies to gain access to my health records. The attached includes diagnosis codes and procedure codes that is a direct violation of my HIPAA rights.
Consumer complaint received 2024-04-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (AL)

I was approved by a government organization called XXXX XXXX XXXX  to pay off the remaining balance of my mortgage but my Lender would not approve to accept the payment. I need a reason why they wouldnt accept the payoff amount when you accepted it on 5 homes from the same organization.
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (VA)

15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I co-signed a parent plus loan for my son back when he was attending XXXX Connecticut XXXX University. I agreed to sign two of the initial loans he received, but not the additional 6 other loans that my name was used for. My son went online and used my initials to get the other loans. The issue I have is that I should not have qualified for those additional loans as I was going through a foreclosure on my home at the time. The loan officer person, whom I spoke to at Sallie Mae at the the time, said I could have, " Less than stellar credit '' to sign for them. I didn't have any credit at the time! I couldn't qualify for a loan for my daughter because I didn't have credit at that time ( due to the pending foreclosure ). In additional, I never got a phone call, or warning, making me aware of these additional loans and if I was ok with signing for them. I would have vehemently said " no ''! I have been a single mother living on a low-income for years. However, I have been very responsible with paying for my bills. My son has been trying to pay the loans now, and has been encourage to defer them. Is there anything I can do, at this point, to either reduce the payments or sue Navient?
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My capital one credit card account ending in XXXX has my registered closing statement date on the XX/XX/XXXX of every month. For the month of XXXX i made a payment that took several days to process from my external bank account. The payment was received and approved by Capital One on XX/XX/2020. And even though the account was paid in full before the statement date Capital One in violation of its cardholder agreement proceeded to charge me interest further attempting to collect on additional interests and fees. I have included pictures, and statements as evidence that Capital One is clearly abusing their cardholder agreement. I have reached out to Capital One and the representatives refused to adjust this and amend their errors.
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I XXXX XXXX and my wife bought a XXXX XXXX, he the dealer XXXX XXXX XXXX XXXX and we had a bad situation with some legal things which violated our rights as a consumer. 

We sent the application online and thus receive some of the discounts and specials, and the interest of the promotion, Then we had an appointment with the seller to buy the car, which we did in about two days. 

The offer was about XXXX to XXXX dollars a month and an initial payment of {$3000.00} dollars, and the financing on behalf of my wife, after we went to the dealer they told us that they had to have, more income, which then XXXX XXXX was added Then they said we had to put XXXX dollars, which we paid, when they came with the approval, they gave us a 13 % interest paying {$980.00} dollars a month to 84 months, so I XXXX XXXX asked to speak with Toyota Finance and the manager He refused and said that I could not talk to the bank, I told him that because, as a consumer, I have the right to talk to the bank and fight that interest ... because the manager said no and I could not talk to Toyota Finance. 

I asked him to do a lease and they told me that they could not, and thus have a lower paid, and they refused. 

They did NOT give me the promotions and interest they currently have on the dealer 's website at 2.9 % APR for 72 months. They did not give me, they did not give me the XXXX XXXX XXXX Cash Offer of {$750.00} cash back. 
I think they did everything wrong here, just we pay {$980.00} to 13 % and for 84 months, it is an abuse of the manager and the toyota. In addition to behavior the unethical manager on some occasion. 

I want a lower interest as the promotion says, and the cash back offer of {$750.00}. And I ask for a contract review to be restructured with a new term.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

on XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX i did not get XXXX  my order and what i did get from them was all broken! it was junk! scrap! i have filed disputeS a XXXX  times with citi bank on my credit card and their not doing anything about it! and i've also tried to contact XXXX and they just tell me to bad i'm stuck with it and hang up on me! i even tried to refuse the XXXX broken order and the truck driver said i can't and dropped it off in my driveway and took off..
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC (OH)

XXXX To whomever this may concern/XXXX, the XXXX XXXX   ; I am returning this XXXX XXXX XXXX  to you VOLUNTARILY. I have called CNAC, as you have instructed on numerous occasions, to update/change or modify my payment frequency from bi-weekly to semi-monthly. This car is valued at {$4000.00} if that. I have tried to get it refinanced, and you know no one will touch any of your vehicles being over-priced. As you instructed, yes, she ( XXXX ) stated that she can make the change, but why should she when everyone is on the same pay frequency. I am not everybody, I said to her. It is sad that XXXX/XXXX  even tried to make the attempt, by stating that he was pulling up the form to make the change, on Friday XX/XX/XXXX around XXXXXXXX He stated he would call me back with the updated numbers. He never called back to say yes or no. I made the payment arrangement in lieu of them modifying my pay frequency. When there are more than 3 months in the year that I will get an extra pay. I do not expect to keep paying an extra car note, against my will. I am paying almost over {$600.00} every other month or the months that I get an extra pay. I asked over and over. You do not want to help so take your car back. I refuse to pay another cent. 

This company is taking advantage of people.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (IL)

XXXX XXXX CONTINUES TO REPEATEDLY CALL MY PHONE ALL THROUGH THE DAY SOME CALLS ARE RECORDED MESSAGES. 

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 AND THERE IS MORE CALLS TOO MANY TO LIST THEM ALL
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (TX)

On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 55 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.
Consumer complaint received 2020-02-27
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: Experian Information Solutions Inc. (CA)

XXXX XXXX/XXXX  XXXX  but an unauthorized inquiry on my credit report XX/XX/2019. I did not authorize this inquiry and I don't know who did. But what I do know is XXXX XXXX/XXXX  XXXX  broke the law by obtaining my credit file without my consent.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group (IN)

My Husband and I received a collection letter in the mail stating that we owe a balance, I proceeded to send a validation letter on both of our behalf according to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ) I mention in my letter that this was not a refusal to pay but requesting a validation of the debt. They sent me a letter back stating inaccurate information concerning myself and my husband and then proceeded to add that the account was sent over to the credit bureaus and they couldn't stop it. I'm confused because we never had a chance to resolved the debt after the letter they sent back claiming to have validated the debt. This was the first collection letter we received from this company, and to just abuse our credit is outrageous without even allowing us a chance to resolve this matter. od answer to the so call validation letter that is very inaccurate.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

This account is reporting to my credit report twice. I have disputed it through XXXX  and have not received any information on the account nor any investigation results. Per the FCRA, my rights have been violated. You can not report the same account TWICE to my credit report, especially since it has been disputed with the reporting agencies and is false.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (CA)

US Bank has NOT been reporting its accounts on time or accurately on my credit bureaus. 

Balances are wrong, last reported not accurate and some bureaus dont even have my US Bank accounts at all.