davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have an auto loan with Bank of America. I made my regular payment on XX/XX/2021. I made an extra payment of {$1000.00} on XX/XX/2021. I expected it to be applied to the principal. Instead, my next payment due date was moved out until XX/XX/2021. I called their helpline and was told there should be an option to apply to principal but no such option could be found while on the call. They said my extra payment would be applied to principal but it will take up to 3 business days to do so. It seems unreasonable to have to call them every time I make an extra payment just to have them apply it to the principal.
Consumer complaint received 2018-06-23
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. (GA)

I disputed a account and the results was that it was deleted off my credit report, but it is still on my credit report. I want it to be removed soon as possible
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

My Mortgage for my home was sold to SunTrust who is now servicing my loan. I was mailed instructions for paying the loan which included that I would need to set up an online account. XX/XX/2020 at XXXX I went to Suntrusts website to attempt to do this. I was given an error message saying that my account did not exist. 
I called the phone number provided and spoke with someone who put me on hold, after several minutes the call disconnected. Prior to the call disconnecting, I was told that sometimes that happens with loans in regards to me not being able to set up an online account. 
I then called again and spoke with XXXX. It was now XXXX. XXXX told me sometimes we have technical issues and the phones disconnect. I asked for an address/ email address to mail my complaint to XXXX told me she would not give me that information. Eventually this call also disconnected during a time she told me she put me on hold. 
I called back again and this time XXXX answered at XXXX. I was in the middle of explaining my issue and that phone call also disconnected while I was still explaining my issue. 
I am really at a loss for how I should proceed with paying my mortgage. I am also highly uncomfortable with the level of customer service that I am receiving from SunTrust.
Consumer complaint received 2023-03-02
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: World Acceptance Corporation (IN)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.
Consumer complaint received 2015-11-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I was granted a {$1000.00} business gift card via American Express. I sporadically use it, however I wanted to check my balance before making a purchase the other day and to my surprise I only had {$20.00} left on my card. The americanexpress.com/XXXX  website actually shows the transaction date, post date, description, reference number and amount of the purchase. There is an unauthorized purchase for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - Purchase ( XXXX ) w/ XXXX XXXX XXXX XXXX that XXXX confirms was not used with my authorization as that card was never added to my XXXX account i have. When reaching out for help on XX/XX/2018 to American Express a representative by the name of XXXX informed me that I must contact the merchant for further resolution as they can not do anything for me. I followed their advise and contacted XXXX which I dealt with for about a month with no results. They informed me that they would not be refunding me any money as the security breach was not on their end so they will not be responsible. I do not feel I nor a third part should be responsible for this! Someone took my money and I want it back! It is as if American Express supports theft and not customer service when it comes to these situations.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE FARM BANK, FSB (NC)

The company reposessed my vehicle, XXXX XXXX XXXX XXXX, the day I joined the XXXX XXXX, XX/XX/XXXX. I was unable to respond to the repo. I now have a charge off on my credit report and a balance of $ XXXX. I fall under SCRA laws and entitlements.
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank sold my debt to XXXX XXXX. XXXX  sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with XXXX.
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX  sold my debt to Porfolio Associates. PA sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with PA.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NH)

IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

1 ) sold a XXXX XXXX  watch for {$800.00} on XXXX  on XX/XX/2020 ; payment received through PayPal ; then buyer stated watch wasn't as described and received XXXX 's ok to return despite photographic proof that the watch he was trying to return was a different watch -- XXXX ( probably because of limited COVID staffing ) didn't reply in a timely manner so PayPal charged back my account on XX/XX/2020 -- I appealed to PayPal with electronic and printed photo proof, exchanged many messages, sent separate pleas with proof to their President and then Chairman but didn't receive a response -- one specific example is that the watch returned had 6 links on one side of the band while the watch sold had 5. His watch was also scratched in many spots and dirty. PayPal never answered as to how they could ignore the photo proof in my claims and have still not satisfactorily responded as of XX/XX/2020. 
2 ) as a result of that action, on XX/XX/XXXX PayPal put on hold {$380.00} proceeds from a separate transaction that were to be released one day after customer received shipment which was XX/XX/XXXX. As of XX/XX/XXXX they haven't released the funds and have not responded to requests
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card 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: CAVALRY INVESTMENTS, LLC (VA)

case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX County. XXXX  instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX  XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX  . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX XXXX XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of XXXX ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX  XXXX  XXXX XXXX   it is a housing for people in XXXX. The full garnishment is a burden
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

id theft victim. account that was charged off is not my account. already removed from XXXX  and transunion. 
XXXX  for {$3600.00} is not mine XXXX XXXX XXXX {$1900.00} not mine
Consumer complaint received 2020-07-18
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. (TX)

Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX A Reported : XXXX. XXXX, XXXX + {$430.00} Needs AttentioXXXX XXXX XXXX  Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

We are a small business that regularly makes check payments in large sums via Chase 's Bill Pay feature. 

We have a Bill Pay thats been stuck as pending review since XX/XX/XXXX for {$30000.00} that was supposed to have been sent on XX/XX/2022. 

We never got a text or call from Chase about there being an issue, and only discovered that it was in " pending review '' status a couple of weeks after it was supposed to have been sent. 

We have since spoken with various departments at Chase for at least 4 times, for multiple calls lasting 2 hours or more in aggregate. 

In short, various Chase departments claim they can not approve nor cancel the transaction, which means we can't even get our money back. What's worse, they continuously transfer our attempts to call back and forth between departments that tell us they can't do anything, but to try the other department. Meanwhile, we have no way of accessing our funds, and our recipient has not received their payment for approximately 3 weeks by this point. 
At this point, we've spoken with the Chase Fraud Prevention Department, the Electronic Money Movement Department, the Claims Online Department, regular customer service, the Secure Message feature when logged into, all of whom claim they can't do anything, and to speak to one of the aforementioned departments who will then say the same thing. At this point, it's clear they either have a serious glitch in their system with no way to resolve this, or they are intentionally keeping a significant sum from us with no recourse for us to retrieve our funds.
Consumer complaint received 2021-03-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX is reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX  and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX  is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The XXXX XXXX  brings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!
Consumer complaint received 2022-09-12
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. (CA)

Credit inquiries that I did not authorize please delete them. I have been complaining about unauthorized credit inquiries for awhile now. Please see the 2 credit inquiries that area high lighted in yellow in the attachments they are the 2 that are unauthorized.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Most recently there area number of individuals whom have been deployed around me with the support of hacker informants and persons whom are attached to my identity within the last 3 addresses I have resided at. These individuals are illegally intercepting my community communications mainly from XXXX XXXX XXXX XXXX and XXXX XXXX College in conjunction with a Congressional member supervision. These individuals are preventing me from using my credit cards at Amazon.com to budget and provide someone with a similarly and identical life here where I live just in the XXXX XXXX. These individuals are being controlled by a number of law enforcement individuals and persons training and snitching for law enforcement that have illegal access to my XXXX alarm and my apartment.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (SD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2020 XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX Account : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance Information To : XXXX Absolute Resolutions Investments , LLC This letter dated XXXX day XX/XX/2020 is advising XXXX & Absolute Resolutions Investments , LLC, I am seeking balance information of an Account XXXX & Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account # XXXX & Absolute Resolutions Investments , LLC A # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of {$0.00}. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by XXXX & Absolute Resolutions Investments , LLC and updated credit reporting account paid in full. 

In the event that you fail to honor my request could subject your company to liability under Federal law. 

Please be advised on XXXX day of XX/XX/2020 has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit card was stolen and used without authorization at a Walmart. I called within half an hour to dispute the charges, and the company capital one reversed the credit. A week ior two later, they reinstated the charges. I asked why and they said the fraud department determined the card was used by the chip. An d he repeated this 5 times. I mentioned that there's a federal law limiting me to XXXX $ of liability. He repeated himself. I asked for a supervisor and waited on hold for 4 hours.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

I received a collection notice today ( XX/XX/2020 ) from Design Receivable Solutions dated XX/XX/2020 regarding a medical bill in the amount of {$300.00} from XXXX XXXX XXXX XXXX. Ive received several blank statements with no explanation of what this amount is from. An attorney also requested this same information as well on my behalf. To date, I have not received any back up information about this bill and I can not verify that it even belongs to me. This mystery bill showed up after I paid out of pocket for my first XXXX session ( {$1300.00} ) and my insurance ended up paying for this XXXX session and I was entitled to a refund. Instead, XXXX XXXX kept my money even after my insurance paid them as well. This bill is a mystery. They kept sending a blank statement with no explanation and now they sent me to collections! How about sending me the proper back-up to myself or the attorney that requested the information. Taking advantage of a XXXX patient is shameful!