davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Rauch-Milliken International, Inc. (MA)

The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?
Consumer complaint received 2018-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FirstPoint Collection Resources (GA)

FirstPoint is attempting to collect a debt that I have no knowledge of or have ever done business with. They claim they have all of my information including my private social security and will do what they please with it. Per the FDCPA, they do not have my express consent and they are using deceptive means by forcing a debt on my that I never heard of nor have I gave them my authorized signature.
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Financial Credit Network Inc (CA)

I am XXXX years, XXXX, and XXXX. A debt collection company sent me a notice in XXXX 2016 claiming a debt of {$510.00} without any explanation. I send a letter to the debt collector within 30 days demanding the debt collection company produce all the documents and evidence of the claimed debt. Instead of providing the documents to verify the claim, the debt collection company reported the {$510.00} claim to all reporting agencies. I demand an immediate withdrawal of the unlawful credit bureau reporting without producing documentation demanded to verify any claim of {$510.00} being owed.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Community Health Investment Company, LLC. (PA)

A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I been having Issues with Equifax since XX/XX/XXXX I have fax numerous of faxes totaling 16 pages each time. Every time I contact Equifax someone telling me they did not received my fax or Equifax customer services rep will tell me they only receive 3 pages. Its nowXX/XX/XXXX. Issues have not been resolve. I been faxing paper work over to Equifax everyday day. Im a victim of identity fraud also I was effective by their Equifax breach. Equifax has numerous of credit inquiries on my correct report, a 2 collection and a bankruptcy 13 including inaccurate accounts that are fraudulent, which does not belong to me. I provided all the documentation Equifax need ( including a police report, a copy of my social and driver license, also all items which are fraudulent and need to be remove immediately. I have been dealing with this issue for three months now. This has effective me in some many ways.
Consumer complaint received 2016-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Enterprises, LLC (KS)

These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Mortgage has been discharged via bankruptcy NEEDS to be removed from my credit profile Transunion is ignoring and not investigating XXXX mortgage DELETE XXXX MORTGAGE FROM MY CREDIT PROFILE!!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

Thank you in advance for your attention to this matter!
Consumer complaint received 2023-04-14
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)

On XX/XX/XXXX, I received a check from the XXXX XXXX XXXX XXXX without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( XXXX, XXXX, and Experian ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (FL)

We had a XXXX XXXX which in which Wells Fargo was picked by the Lender, it was used. We are XXXX. We had had it for many months when we came out to get in it and the vehicle was gone. We called the police thinking it was stolen and we were told it was repossessed. We ask for what because we had been paying above the monthly amount through our XXXX allotment and had no late fees or slow payment, the payment was automatic, and we were sending {$20.00} over. It was night when the vehicle went missing so the next morning, we contacted Wells Fargo who told us they did not have the information at the time and would get back to us. We waited a day, and no one returned our call so we called them back and each rep. told us they could not tell us anything as they did not have any information yet. We waited another day and when we called back, we were told that there was nothing we could do that the vehicle had been sold at auction. We told them we could send in proof of the military allotment, insurance, registration, but we were told there was nothing Wells Fargo could do as the vehicle had already been sold. We said " In two days ''? We could not believe it and did not believe it. We contacted an Attorney after hanging up but at the time there was {$7000.00} paid out on the loan and we were told the cost to hire him would be about the same as what the vehicle we had paid out. We were also told by the lawyer that he could not get the vehicle back as it was already sold so what would we gain? A year later we saw in a newspaper that Wells Fargo had quite a few complaints against them for doing that to customers. They would give the loans to eligible people then illegally repossess it and sell the vehicle again. There was no class suit just an article, we kept that article for years. A couple of years back it got worse when we got a notice from the IRS stating that Wells Fargo had reinstated the loan and listed it as a loss all these years later, and that we had to pay the difference in the loss. We lost out both times, but there was no way we were going to fight the IRS. Wells Fargo should not be able to get away with this. When it came out a few years ago that they were opening fraudulent accounts we were so happy that people now believed what we had told them so many years ago. Unfortunately, we only saw the opening of fraudulent accounts. This is the first time we have seen a class action lawsuit for unlawful vehicle repossessions we would like our name added to whomever is prosecuting. We are owed not only for the vehicle and what we went through and what we paid out, but also for them reinstating the loss and the IRS coming back at us for even more money a few years ago the total is {$10000.00}. We are told there were others this was done to. Please tell your story here.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

After reviewing Experian credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was alerted that on XXXX XXXX a hard inquiry was placed on my credit report with Transunion by XXXX. I did not apply for any credit with XXXX and someone applied for this credit without my authorization. XXXX acknowledged that a application for credit was filed but denied because not enough correct information was supplied with the application. I sent a letter to XXXX saying this was without my authorization and fraudulent and XXXX responded back that they are unable to remove the inquiry and that I should dispute this inquiry with Equifax.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AZ)

I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. 
I was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. 
US Bank is refusing to do it.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This is related to checking and credit card accounts with USAA.
USAA will not allow me to make any changes to my accounts online. I can only view account information, but make no changes. USAA says this is because I owe them {$370.00} as a result of overdrafts. I can not modify my auto insurance. I am making payments on a credit card I had with USAA, I can not change or in any way adjust the amount I am paying because I do not have the ability to do so. The only department that can change this is Collections. Collections does not allow communications through any medium other than phone and wait times average over 30 minutes. They will not communicate through email, messaging or even paper correspondence. I have been unable to reach them due to the extended wait times on the phone ( this is the norm according to related internet forums ). In addition USAA began withdrawing from my checking account WITHOUT MY AUTHORIZATION when the debit card I was using to pay became compromised and had to be closed.     Until last year I had no electronic access to my  XXXX   XXXX   XXXX   XXXX  account as they refused access because I had declared bankruptcy. That is now fixed as a result of the CFPB 's action s (  Thank you ! ). I dispute the {$370.00} charge but can not get it resolved as I can not reach Collections. I need to change my credit card payment but can not as USAA will not allow me to modify my accounts online. I wish to modify my auto insurance but can not do so as USAA wi ll not allow me electronic access/changes to my accounts.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (WI)

U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing XXXX credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (TX)

Both my husband and I told this company that I am unemployed, have no money, my husband had XXXX bouts of XXXX that we can not pay this bill and to stop harassing us with calls. They wo n't stop calling. They continue to call my husbands work cell phone and my cell phone after we repeatedly said to stop.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting incorrect personal information that I need removed ASAP Incorrect Names   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Incorrect SSN  XXXX  Incorrect Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

I was reviewing my debt information and I saw that I had some thing on there for medical which is very strange because I have had XXXX XXXXXXXX through XXXX XXXX since 2018 I have never once had to pay out-of-pocket for any medical services with the exception of prescriptions that cost {$1.00} to XXXX dollars each. 
To my surprise, I had a radiology collection on my account, and when I tried disputing it the first time they refused to take it off
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXXXXXX XXXX, TransUinon, XXXX and XXXX are reporting inaccurate information on my consumer report. XXXXXXXX XXXX didnt have permissible purpose to pull my consumer report on XXXXXXXX XXXX This unauthorized inquiry was not authorized by me. I didnt apply for credit with XXXXXXXX XXXX or any other credit provider on XXXX XXXX I have provided my Massachusetts state issued driver license as proof of my identity.