davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (TX)

XXXX   -2017 To  whom it may concern : I would like to file a complaint against Financial Corporation of America, this collection agency has been harassing me for medical bills that I do not owe to   XXXX   XXXX    XXXX  /   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .     I have notified this collection agency more than once, that I do not owe any outstanding medical debt to   XXXX   XXXX  y  XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX , yet they continue to bill me, as well as call my telephone.     I have contacted my insurance companies regarding these debts, and they have never received any claims for any of these amounts.     What is going on is that I feel that I am purposely being targeted for harassment by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  because they have previously tried to bill me for fraudulent medical procedures that were not performed on me, as well as I was previously charged by them for self-administered medication that I could not have given to myself due to the fact that I was under  XXXX , as well as they previously billed my insurances for extended stay in the recovery room when that was not the truth.     I had contacted their administration regarding the fraudulent charges that they continue to bill me for since last year, and their administration did nothing, they were supposed to contact me back, and they never did.     So I have made a claim to  XXXX  for the fraudulent charges for the medical procedures that were never performed on me, and they are being investigated, and this is why  XXXX   XXXX   XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX  has been harassing me.     They have sent me bills in the past with several consecutive dates of service, as though I was in the hospital for several consecutive dates, when my stay at their hospital has always been   half a day and never for consecutive dates, and I have always gone home the same day after my procedures.
I owe none of the Fraudulent debts that   Financial Corporation of America is billing me for, and I want any derogatory information that they have placed on my credit files removed, and hard copy proof provided to me on their letterhead that this has been done.     I want Financial Corporation of America to cease and desist from contacting me, I have told them more than once that I do not owe these debts, yet they continue to harass me, and they are leaving me no choice, but to seek legal action against them.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

It not me some one is using my information l talk to you on the phone about XXXX weeks ago and I told you it's not me.i been living in my house for XXXX years and I can prove it.i never live in your apartment.
Consumer complaint received 2020-07-13
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. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX  shows the 3 inquiries still, Equifax one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and Equifax are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the XXXX parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc. ()

I relied on the XXXX bank known as Mercury to send an ACH transfer to another XXXX bank account ( XXXX ) on XX/XX/XXXX. 

XXXX has a limit of monthly incoming funds ( which I wasn't aware of ) that prevented the transfer to be correctly received, so they sent it back that same day ( XX/XX/XXXX ). Today ( XX/XX/XXXX ), almost 30 days later, I have no clue where my money is. 

The {$5000.00} never reached my Mercury account again even though XXXX correctly proved ( the proof file is attached to this complaint submission ) that the money was actually sent back. 

After many days and many emails to the support team, Mercury hasn't been able to even suggest what might have happened. They haven't provided any XXXX  for a resolution, nor any explanation or compensations. It seems that they are just waiting for me to forget that they lost my {$5000.00}.
Consumer complaint received 2021-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021 I called TransUnion.com 7 times and was unable to get into my XXXX account account. I have been hung up on and dismissed because they are unable to repair their system issues! 

I am still unable to see my credit information and I want to have access to my accont ASAP! 

Thank you for your help in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

We refinanced our US BANK mortgage with another bank, and U.S Bank has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called U.S Bank to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and XXXX are still showing US BANK accounts as " open ''.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NV)

I was looking over my 3-bureau credit report and noticed that my American Express Account was showing 16 digits when it should have only been 15 digits. I called American Express customer service, and they could find no record of me having the account that was reporting on my credit history. They tried looking me up by my SSN and still had no results.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

California XXXX told me they would send me a debit card to withdraw funds from my account. I kept certifying for benefits and the XXXX website indicated that payments were issued but I had not received the debit card and could not access payments. 

I kept repeatedly trying to call XXXX to ask where my debit card was but it was impossible to get through, instead I got a message " Due to unusually high call volume no agents are available, please try your call again later ''. I submitted an online inquiry on XX/XX/XXXX and received a message saying I would receive a response in 5 - 7 days but no response was received in that time frame so I contacted them again onXXXX and received the same message. Eventually I got through on the phone and was informed that Bank of America was in charge of issuing the debit card and that I should contact them. 

I contacted BOFA repeatedly but again I got a message " due to unusually high call volume no agents are available, please try later ''. Eventually I got through and informed the rep that I had not received my debit card. She told me they would send a replacement card which I received about 1 week later but {$16000.00} of the funds that were supposed to have been issued to me were missing. Again I called BOFA and spoke to a rep who told me that someone had withdrawn {$8000.00} then {$8500.00} on the same day. I erxplained it was not me and that I had never received the card and nor did I even know that it was BOFA that issued the card, I thought it came from XXXX. The rep told me I had to talk to a Supervisor. I was transferred to a Voice Mail that was full and then spent over 40 hours on the phone trying to resolve the matter. On XX/XX/XXXX I received a letter from BOFA saying my claim had been closed due to fraud which is correct but it was not me who committed fraud or recklessly and negligently released {$16000.00} on the same day. I again contacted BOFA and was eventually told by a Supervisor that they had to confirm my identity and would then issue a refund. He made an appointment for me to show my ID at a local BOFA at XXXX XXXX XXXX. I arrived for my appointment on XX/XX/XXXX at XXXX, presented my ID but the claims department did not want to speak to the branch or confirm my identity. I wasted a trip and an hour of my time. I continued making calls trying to resolve but got nowhere and eventually received a letter dated XX/XX/XXXX saying the original decision was correct and the dispute closed. This was in direct contradiction to what I had been told and is in violation of BOFA 's own written policy and relevant laws.I am attaching copies of my email communication with XXXX, the banks written policy, a photo of me at the bank with my ID letters from BOFA closing my claim.I made XXXX last call and as per BOFA 's attached XX/XX/XXXX letter I requested copies of the documents that were relied on in making their decision but nothing was received.
Consumer complaint received 2019-05-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NSA Partners, Ltd. (TX)

Hi XXXX. 



It has come to my attention that when we are late in our mortgage payment you always make advantage of adding late fees and attorney fee too. 

It's very wrong to charge the attorney fee just because we are late to make payment because sometimes things goes wrong and we try our best to make sure we are on time in remitting our rent. 



Last time I paid you the attorney money but you told me that it's because there was no communications between you and XXXX. 

Please let 's not add attorney fee on XXXX rent as I am trying to get the mortgage paid this week. 

Regards XXXX. 

This is only part of my problem. My fines have been accruing interest and i can not get a statement from him
Consumer complaint received 2017-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rosebud Economic Development Corporation (LA)

I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.
Consumer complaint received 2020-10-16
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. (CA)

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX  XXXX- {$0.00} 4. XXXX  XXXX XXXX -! XXXX XXXX, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Consumer complaint received 2019-05-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I Thank you for the educational information you have sent to me, after my inquiry. I have received from XXXX XXXX two different balances that you are trustee, Which is confusing. would you please verify which amount that XXXX  XXXX XXXX sold to you that you monetized and sold to public, I will sent the two different documentation as attachment. 
There is element of fraud with my mortgage balance. so, it imperative to save guide the public from defective instrument to be sold.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (FL)

Hi my name is XXXX XXXX, i buy a car on XX/XX/2019 my car cost was XXXX XXXX, my monthly payments to TD bank auto finance is XXXX, about XXXX XXXX at XXXX XXXX i loss my car, a lot off people loss their cars there i have video and picture about that, the insurance company ( XXXX ) say my car in 2 year are depreciated to XXXX, but the pay off is XXXX, The bank say it my responsibility pay my debit or difference like XXXX thas not correct, The insurance company wants clean her own hands and send me a XXXX dollar, they send my a document where they tell me i will receive a check and it my responsibility convey with the bank the difference, what is a mean, i think thats is unfair, pay for something i loss, was not my fault.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Hard Inquiries XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX- XX/XX/2022 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 XXXX XXXX XXXX- XXXX 2022, XXXX XXXX XXXX XXXX 2022, XXXX- XXXX 2022.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services (VA)

Received an " important '' phone message XX/XX/19 from Viking client services a debt collector telling me to call XXXX XXXX XXXX multiple calls after that with no message. My son received a letter from this company about XXXX XXXX making a claim for a debt he disputed in writing. He specifically requested no telephonic or electronic communications in writing to them but the calls to me continue. The phone ( My phone ) is not affiliated with my son. Why are they harassing me with their phone calls for a debt that is not mine?