davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.
Consumer complaint received 2019-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems (WA)

A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I had to take my son to the hospital and he was on my insurance. I paid my portion of what i was supposed to pay and now i have a collection on my credit report. I have tried to get this to be removed but it has not been successful. Please help
Consumer complaint received 2022-08-28
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: Atlanticus Services Corporation (GA)

In accordance with the Fair Credit act XXXXFortiva Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

I was living at XXXX XXXX XXXX in XXXX, PA back in XXXX. I decided to move to a different apartment complex XXXX XXXX in XXXX XXXX in the late spring of XXXX. I never signed a new lease at XXXX XXXX XXXX  yet they decided to put {$17000.00} on my credit report. They even rented the apartment right after I left and I still got charged. At the time I was living with an ex-girl friend and she also moved out of the unit but stayed in the same complex. 

I have been fighting this debt for years now and it has affected my ability to gain better credit scores and move forward in life. 

Creditor information Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : National Credit Systems collections date : XX/XX/2020 amount {$17000.00}
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group (GA)

I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Transworld a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Consumer complaint received 2019-01-21
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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX my credit card was charged fraudulently and I submitted a dispute. My husband 's card was cancelled, the charge was never reversed and then interest was applied. 

Today I was told I had to pay it before it can be resolved and I said absolutely NOT. I then called back and resubmitted the dispute online - XX/XX/XXXX and told it would be resolved. 

Citibank is not a GOOD BANK!!
Consumer complaint received 2019-01-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Ad Astra Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Consumer complaint received 2022-08-28
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-28
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)

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-28
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: M&T BANK CORPORATION (NY)

In accordance with fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (IL)

I used a Barclay XXXX Rewards card to make a purchase at the XXXX XXXX store. According to the XXXX site, financing is available for purchases for 6-18 months depending on amount spent. I did not have a previous balance and I paid {$400.00} in payments toward the balance, the transactions were for XXXX products only and received an interest charge for {$48.00}. I called Barclay and spoke to XXXX operator # XXXX and was told, I had to call in to verify the financing, which was not stated on the site that a call was necessary to get the financing. I also spoke to XXXX operation # XXXX and she told me the financing was only available on " some days '', not every day. None of this information is on XXXX 's financing page found here : https : //XXXX  XXXX XXXX , illinois card ends in XXXX
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe (WA)

I'm trying to gain access to a loan I took out with River Valley loan. I've tried multiple times to log online to my account including resetting the password and trying from another browser. When I reach out via phone to them they said they reset my login and suggested I try again. I did and again nothing happened. At that time I tried to reset my password, I also tried using my social security number nothing happened and using another browsers. I'm trying to under my loan agreement, including how many payments, how to pay off early and why I'm being paying {$2000.00} for a {$400.00} loan. So when I asked for a copy of my loan agreement they said that they are unable to send me a copy, apparently they only provide you access at the initial loan set-up that is it. 

At the time of my call with them the first gentleman was named XXXX XXXX I spoke to next was XXXX XXXX.
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

In XX/XX/XXXXI failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XX/XX/XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I filed a complaint with you all back in XX/XX/2018. Once the company responded to the complaint, that was my first time ever seeing the checks that were allegedly mine. The signatures were forged and I sent proof to two representatives of the company. One of them being the CEO and I never got a response back from either
Consumer complaint received 2019-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

In XX/XX/2018 I purchased a home with financing from Primary Residential Mortgage , Inc. headquartered in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I used a local agent named XXXX XXXX. I did not want to take any money from my retirement to attain 20 % down and I was advised that I could get REFUNDABLE PMI. I agreed to pay {$7800.00} and was told that once I achieved the 20 % equity I could apply for a refund. I sold my previous home, I owned it outright and paid enough to qualify for a refund. Prior to making the payment I inquired as to how to handle the refund process and was told there was no refund provision. The loan had been sold to XXXX XXXX  and this was their position. I contacted PRMI many many times and according to XXXX XXXX everything would be ok as he confirmed our agreement for REFUNDABLE PMI. We actually came to the decision for this provision face to face at my home in XXXX, RI. My wife is a witness to this meeting. He does not respond to my inquiries any longer and I have not received any refund. 

this loan was sold almost immediately to XXXX XXXX. I contact them in XX/XX/2018 to inquire about the refundable PMI and they advised it was not effective.
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TN)

I made a payment of XXXX to go toward my principle of my vehicle. My car has high interest rate 22 %. I called and made payment of the XXXX and they only applied XXXX toward principle and paid my car note up two months. I specifically told the manger to apply to principle. Now I am calling everyday trying to get them to apply my XXXX to my principle of my vehicle, and they will not adjust my account or apply the XXXX to principle. No response or action done over two weeks now. Everyday my account is cumulative XXXX dollars for interest.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ERC (WI)

I recently checked my credit reports and it reported a derogatory mark from XXXX XXXX XXXX about a XXXX XXXX XXXX bill. I dont know much about this kind of stuff but I when I closed my account it was never mentioned that any money was due. It says it was the past two years or so ago. However, I closed my account about a year ago, so Im not sure when this popped up, how long ago it was, or when it could be from.
Consumer complaint received 2019-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (NC)

I received a letter from a company called XXXX who is collecting on behalf of XXXX XXXX XXXX. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (PA)

Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment.
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I have spent the better part of XX/XX/2018 trying to have some funds that I didn't authorize returned to my account. I was contacted by someone from XXXX XXXX that stated they were representing XXXX XXXX  and that they by opening a card and transferring the funds from my Chase card to the new XXXX XXXX I would save on interest on the account. Although I was interested in saving, when they informed me that they would charge an extra {$1500.00} fee to my account, I told them I wasn't interested. They proceeded to transfer me to a manager who also tried to convince me and although I said I didn't want any fees added to my account they still proceeded to charge it to my chase account. When I contacted Chase about the charge, they temporarily removed the charge until they investigated it. When I contacted XXXX XXXX about the charge, they informed me that they found the charge to be fraudulent and blocked it without paying any money out. Although Chase says that they have already paid it out the funds to XXXX and XXXX states they returned the money 's to Chase, as of today, the money has not been returned to my account and the charge has not been removed from my account at Chase. I don't know what to do. All I know is that I was not provided the service that they supposedly said I received and nobody seems to know where the money has gone and I'm left with an outstanding debt.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have disputed this issue with Equifax 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with Equifax only. 
see attached document. 
Thank You.
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX  XXXX  a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account
Consumer complaint received 2022-03-04
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 XXXX Account # XXXX, 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
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Aspen Yo LLC (FL)

XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. 

Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-01-21
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: FACTUAL DATA CORP. (NC)

I was trying to get pre- approved for a home loan and there are three address listed as my residence that I have never lived at and do not even know where they are. They are listed as XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC. I have never lived here and need these removed from my credit report.
Consumer complaint received 2019-01-21
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: NAVY FEDERAL CREDIT UNION (WA)

Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40  years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

This company is illegal reporting I've had 2 accounts in this office since XX/XX/XXXX ( medical ) and the debt was sold in XX/XX/XXXX ( confirmed by the other agency ) however BOTH AGENCIES are  reporting the SAME DEBTS as an active and verified debt. I've called and left several messages on the " supervisor '' line and have yet to ever receive a return call. My next step is obtaining a lawyer and pursuing legally for the negative affects on my credit.