davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX Apartments I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024, I went to make a payment to my Capital One XXXX card. I was using the app as I always do. I saw that one of the payment options presented to me on the app was that I could use my Capital One checking account, which Capital One stopped me from having access to. So I figured that if it is showing that as an option, maybe I could pay {$40.00} to my credit card from that account. So I selected the account and submitted payment and received no error messages informing me that there were any issues. In fact, just to be sure, because I didn't want to have to pay them any extra money for nothing, I called and spoke with a Capital One representative. The female proceeded to tell me that my XXXX account was! closed, which I insisted with her that it was. Twice she said it wasn't. I just wanted to be sure that there would be no issues with my credit card payment for {$40.00} and then get charged a late fee or negatively affect my credit score, so I specifically asked the representative, did my payment go through? Was it good? I told her I wanted to be sure because I don't want any issues with the payment. So again I asked her, so did Capital One get my payment? Did the {$40.00} come out of my account to pay the payment? The Capital One representative told me YES, that my payment went through, that it was good, and that I don't need to worry about the payment. 

I found out three days later, the payment wad declined, Capital One charged me a {$25.00} past Due fee, but it only because their employee provided me with incorrect and false information, leading me to believe my payment was good and went through successfully. I spoke with a supervisor for over an hour explaining all of this, he proceeded to tell me that he doesn't show me even calling CapitalOne on XX/XX/2024, even though the rep I spoke to before the supervisor, who transferred me to the supervisor, stated that I called in on XX/XX/2024. Yet this supervisor couldn't find any record of me calling in. I told the supervisor if he pulls the call, that he would hear the rep say to me that the payment came out, the card was paid, that I don't need to worry about anything. The supervisor didn't believe me, but when he put me on hold he then came back, he told me that he couldn't find any recording of my phone call from XX/XX/2024. 
I find it very suspicious that the phone call which could prove that I was provided false information by a Capital One employee, and that my future actions were based on that false information, i.e., not attempting to make another {$40.00} payment to correct the matter, which I could have done within XXXX hours, could not be found when ALL CALLS ARE RECORDED FOR QUALITY ASSURANCE AND TRAINING PURPOSES. Capital One misled me, misinformed me, gave me inaccurate and false information, which was what I relied on ... and by me believing the Capital One representative, I've been charged a {$25.00} fee, which I told Capital One I refuse to pay.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (MD)

EOS CCA keeps calling me about a 5 year old XXXX debt I incurred when I was waiting for XXXX. They yell and scream and are quite threatening in tone. They repeatedly call my daughter and ex husband of 25 years.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Submitted request the Free Annual Credit Report online to Equifax and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.
Consumer complaint received 2015-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

I went to the emergency room ( XXXX Hospital, operated by XXXX XXXX XXXX ) in XXXX 2015. As prompted, I offered my credit card information to the financial team, and they began billing me monthly, in the amount of {$510.00} dollars. 

I have statements from XXXX indicating every XXXX of these automatic billings, on time, and without any issue. 

However, I have recently received collections notices from a collections agency named " AllianceOne '' which claim to be on behalf of " XXXX XXXX XXXX XXXX ''. This is unexpected, as XXXX XXXX XXXX is still billing me, as expected, for {$510.00} per month. 

I have officially disputed the validity of the debt with AllianceOne, but have received no indication from them of the validity or proof of the debt. I have contacted XXXX XXXX XXXX multiple times ( over phone and email ) and have left messages with their human resources and their financial departments, but have received no response, email or otherwise. 

I received XXXX additional letters from AllianceOne this week indicating a different debt amount, and still no indication that they have received my dispute of debt ( sent approximately the first week of XXXX 2015 ). 

I am concerned that this may be a fraudulent collections attempt, as I am still being charged as expected on the XXXX-month billing cycle for treatment through XXXX XXXX XXXX, and have not been delinquent on any payments. 

Thanks,
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing ( SPS ) is refusing to apply payments me and my husband made when we individually filed bankruptcy. Attached are XXXX payment abstracts from the Bankruptcy Trustee for me and my husband. Please note, not only was XXXX paid but also XXXX XXXX. I was not able to find either of these payments posted or applied to my account on the summary provided by SPS. Therefore, SPS has engaged in coercive and deceptive collection practices by falsely claiming that certain amounts are due, misapplying my mortgage payments, improper calculation of interest, and has failed to credit payments properly which are in clear violation of the Federal Real Estate Settlement Procedures Act ( RESPA ). Also, note other payments were not sent because XXXX/XXXX rejected them but kept XXXX and held it in suspense as documented on the summary provided by SPS. 

As a result of refusing to accept and accurately apply payments, they are attempting to foreclose on our property.
Consumer complaint received 2022-05-18
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. (NC)

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX  XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on Experian XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX XXXX XXXX account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

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


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Thank you for your time and convince. XXXX XXXX has made my credit a nightmare of a situation. I have been denied loans, food opportunities, working capital etc. due to XXXX negligence of reporting inaccurate information of XXXX deliquent late payments to all credit bureaus. I have never missed a payment to this date. XXXX and XXXX payments were made in XXXX bulk payment via money gram to XXXX XXXX. 

My family new truck was held at XXXX chapel of XXXX ( XXXX XXXX, FL ) dealership for nearly XXXX months during this supposedly occurrence of late payments. 
XXXX XXXX XXXX also compensated us these troubles. 


please fix this issue, thank you for your time,
Consumer complaint received 2023-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (IL)

I have a personal loan with Avant. I have agreed to a scheduled once monthly automatic payment on the XXXX of each month. For XXXX, the XXXX was on a weekend, so the payment moved to the XXXX or XXXX. That payment bounced back from my bank, so I scheduled a payment for Monday XX/XX/XXXX. Today, XX/XX/XXXX, that scheduled payment AND an unauthorized automatic payment were taken out of my account, causing my account to overdraft. After being notified by my bank, I reached out to Avant to have one of the payments refunded and asked why payment that was scheduled for the XXXX was taken out a day early. The representative was not able to explain why the payment was taken out a day early, and advised that it would take 2 to 3 weeks for the refund to hit my account. This is a {$780.00} refund owed to me, and that is a massive amount of money for my family. This is their error, and a delay that long is unacceptable. I asked to speak to a supervisor repeatedly, and was repeatedly told a supervisor was not available to hear from me.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (PA)

Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received an email that there was a hard inquiry on my credit. I did not apply for any new credit cards so this was scary to me. I looked it up and sure enough I was getting a capital one venture card that I never applied for. Ive called capital one, but I have no idea how they received my information.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had {$6900.00} on my BofA EDD checking aact/debit card. I stupidly left the funds in that account and my account was hacked, where they completely cleared out my account. This happened at the end of XX/XX/XXXX. 
In XX/XX/XXXX, I received {$2800.00}. 
Since XXXX of XXXX, Ive been waiting for the rest of money in the amount of {$4100.00} I have talked to numerous BofA claim department representatives and 3 supervisors from XXXX XXXX XX/XX/XXXX. They had told me the person who initially filed the claim didnt enter them correctly because the system has a limit on how many claims you can make. The hacker made over XXXX charges in the amount of {$.00} cents. Apparently their system can only handle up to XXXX, so the rest were not properly imputed. They told me they had to redo my claim ( they told me this in XXXX of XXXX. ) but my claim has been at a halt since then. No progress has been made. I call and check in on the status, around every 3-4 weeks and they tell me the same thing every single time. That they are working on it and that all they can do to help me is file for missing credits. They file for missing credits each time I call and it has gotten me no where. Each call I make is pointless because they just tell me they cant do anything about it and there is zero progress on my claim. At this point I feel like I will never get all my money back, which is so wrong considering how much money I am out of. Dealing with BofA on this matter has been horrible! ***my BofA account name is under XXXX XXXX XXXX maiden name ). The name I have created an account on this is under XXXX XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I tried to pay my balance but the companys online banking had dis-enrolled me. The customer service keep telling me to go online to manage my account without fixing my log-in issues because my other account had been closed and it affected all my accounts
Consumer complaint received 2019-01-28
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. (NY)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2022 payment was sent to XXXX & XXXX XXXX Synchrony bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.
Consumer complaint received 2022-05-06
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. (TX)

I am a consumer, natural living breathing person. I am not being coerced by any third party or agency. I am aware that my federally protected rights are being violated. Please review the attachment to see my complaint.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I started my XXXX XXXX checks with direct deposit to my credit union XXXX on XX/XX/year>. XXXX XXXX XXXX I didn't receive my checks. I went to the XXXX office and after doing an investigation they found XXXX checks went to XXXX XXXX and XXXX went to JP Morgan Chase. I didn't authorize the change. XXXX immediately returned the XXXX checks but Chase says XXXX were deposited in an account and tells me since I don't have an account they can't help me. How did my money get put in an account that I don't have? I have been getting passed back and forth between XXXX and Chase for almost a year. I don't know what to do. Please help!
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

{$230000.00} Tried to wire money from money in account! 

They called next day wire had been stoped! 
All my accounts are closed All credit cards canceled All loans closed All debit cards closed 22 years service No bad checks Paid loans on timel
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: EIC Enterprises (AZ)

I found myself in dire need on XX/XX/22 of a loan and was very aware of the outrageous interest rate. However, I knew I could pay the {$770.00} loan back immediately, so 3 days later I called to pay the loan off. I reviewed the amortization schedule they included with the contract and I knew the interest accrued daily at a very high rate. But, when I called to make the payment on XX/XX/22 they refused to process it until Friday, XX/XX/22 when the first payment is due ; adding that I would need to pay {$890.00} on XX/XX/22, a whole {$110.00} more, even though I called 3 days in advance to pay it in full! I reviewed the amortization schedule again and on Friday when the first payment is due the amount of interest that would be accrued will be {$110.00}. There is NOTHING in the contract they provided me that states they will not process my payment same day. What they are trying to do is refuse to process my pay off the same day, in order to collect the interest accrued until Friday, which at the time was 3 days away, PLUS the full payment. I have NEVER heard of anyone refusing to process your payment the SAME day you make it!! Also, I'll add that the contract states there is no prepayment penalty. I asked to speak with a manager and was placed on hold for an extended period of time. When XXXX finally got on she was extremely rude, would not listen to my concerns and kept speaking over me. I did not give her the pleasure and I kept talking. She then had the GALL to hang up on me!! I called back several times after and no one answered the phone. Finally, around XXXX a rep answered and attempted to transfer me to a manager but no manager ever got on the line. After spending nearly my whole day trying to resolve this, the rep states someone would call me back. I received a call at XXXX but when I got to my phone they had already hung up. I called back and got a very weird voicemail and as of XX/XX/22, nobody has returned my call. Next Loan Lending is extremely predatory and they are the biggest crooks I've ever dealt with! They've been reported EVERYWHERE I could think of, so NOBODY has to go through this!
Consumer complaint received 2022-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

XX/XX/2013 when I first went in to get information about XXXX University & decided to signup due to the information that was provided to me at the time from the school itself, the admission counselor completely mislead me into believing that they offered student loan help and assured me that based on my income at the time which was none, I would not have to pay any loans because I supposedly was able to qualify due to my financial status in that moment. Sometime after graduating I started to notice on my credit report that I owned over $ XXXX in student loans for an XXXX XXXX XXXX of XXXX  years in XXXX XXXX XXXX for which I was completely manipulated & groomed by the counselor to not dropout the school & to get into their XXXX XXXX  due to the fact that I wanted out so they suggested I just had to change to a different program. I was completely misinformed & gaslighted into the program. My credit report shows many inconsistencies for all off the loans that the school signed me up for. At this time I've been trying to fight for years to get these student loans removed from my credit due to the misinformation that was provided.
Consumer complaint received 2022-10-13
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. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX