davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Recovery Solutions (VA)

I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.
Consumer complaint received 2024-04-10
Product: Credit reporting 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)

XXXX XXXX  has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (GA)

My funds were suddenly transferred from NYCB to Flagstaff and now they won't let me in. I called, waited 32 minutes and they hung up on me. I tried chatting after XXXX XXXX and it is XXXX. They canceled my transfer request and have locked my account and won't call me back.
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tri-State Adjustments, Inc. (VA)

On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. 

Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. 

Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. 

The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. 

This has negatively affected my credit score and hardship.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my BOA accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my BOA credit card. After several failed attempts to pay with my card I called BOA. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using BOAs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the BOA website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with BOA, but failed each time. On XXXX XXXX I set up a conference call with BOA and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the BOA associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that BOAs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that BOA has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my BOA credit card is now a situation I must mitigate immediately by ending my relationship with BOA.
Consumer complaint received 2022-08-15
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. (FL)

In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at XXXX XXXX XXXX XXXX I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercedes Benz Financial Services (WA)

Mercedes Benz Financial Services reported a REPOSSESSION on XX/XX/XXXX, never contacted me, even though the last payment for XXXX was paid. Mercedes Benz Financial Services/MBFS stop my ACH payments on XX/XX/XXXX, all the while my credit reports are showing false information as it appears from XX/XX/XXXX, when I last spoke with my insurance company and co-part the third party hired by my insurance company to schedule the total loss on the XXXX XXXX XXXX I entered into with XXXX of XXXX, who never offered me XXXX insurance, didn't educate me on the importance of XXXX where I am in jeopardy of paying out anywhere from {$13000.00} to {$15000.00}. 

This XXXX insurance was something I never heard of in my XXXX + years as a consumer. Up until I was sold a lemon prior to XXXX, and the salesperson and professional at XXXXXXXX XXXX XXXXXXXX I always purchased cars never entered into a lease. 

The first lease I entered into with XXXXXXXX XXXX  XXXX included the {$14000.00} balance owed on the XXXX XXXX, since the car 's value the XXXX  XXXX was only valued at {$5000.00} according to the general manager at XXXX XXXX XXXX. 

I want to include, XXXX of XXXX, and Mercedes Benz Financial Services at this point because I am presently in a financial and credit score dilemma. Help
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

When I went to try and trade my car in for a lower payment I found out that my payoff amount is higher than my remaining loan. I called to find out why and they said I was paying off the interest first before principle. I told them that they were suppose to split it and I even made an extra monthly payment and put principle only and they applied it to interest only. I looked up the contract and there is no where on it that states that they pay interest first. This is also happening to my girlfriend as well and we have the same company. My interest rate is 28 % and hers is 26 % which is very high. The company is American credit acceptance.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

When we refinanced our home, the paperwork indicated we could apply to remove the PMI from our mortgage on XX/XX/XXXX, prior to the automatic termination date of XX/XX/XXXX. In XX/XX/XXXX, I called to inquire and was sent application paperwork. After receiving the paperwork, I called to ask about the difference between a Broker Price Opinion ( BPO ) and an Appraisal, since the cost difference was substantial. I was led to believe a BPO was an external inspection of our home to ensure it had not fallen into disrepair. From my recollection, I was never told, nor were there any implications, that the realtor would be doing a detailed cost comparison to other properties. 

The inspection date was XX/XX/XXXX and I received the BPO along with a letter stating that I now needed an appraisal to remove the PMI. I reviewed the BPO and found several inconsistencies that substantially reduced the realtor 's price opinion of my home. 

I called USAA Federal Savings Bank/XXXX and asked to speak with someone in the escrow department, so I could discuss these inconsistencies and hopefully come to a reasonable solution. Customer service refused to allow me to speak with anyone, stating it was an internal department and they did n't accept phone calls. She asked if I wanted to dispute the BPO 's findings, which I did. She informed me someone would be in touch with me within 2-3 business days after they reviewed my PMI removal application. 

I never received a call, so I called again the following week and was told my information was under review with a XX/XX/XXXX deadline. 

Knowing I would n't receive a call on XX/XX/XXXX, I called again on XX/XX/XXXX only to be told by customer service that BPOs are not disputable, regardless of whether the data is accurate or not. 

I sent an email to the parent company 's web site ( USAA ) complaining about the process, in particular the errant BPO. While I received a nicer response from the parent company, the message was the essentially the same : " We do n't care if the BPO is inaccurate, because it works in our favor. If you want the PMI removed prior to the automatic termination date, you need to get an appraisal ( i.e., we get to charge you more money for the appraisal AND keep charging you PMI ). '' I have attached the following documents : a. BPO pages showing comparative sale data and comparative listing data b. XX/XX/XXXX Refinance appraisal page showing specifications of my home. 
c. Spreadsheet showing comparable sale data taken off USAA 's own web site, along with additional comparable sales found within our immediate neighborhood area. 
d. Spreadsheet showing comparable listings within our immediate neighborhood area. 
e. Letter to USAA parent company and response received. 
f. Outline of errors/inconsistencies contained in the BPO, along with an accurate cost comparison using one of the BPOs comparable listings.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-03-16
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)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MO)

XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX To Whom it May Concern, On XX/XX/XXXX, I received the enclosed 1099-MISC from your organization. It states that Chase bank has provided me with exactly {$600.00} in income. I did not receive {$600.00} in income from Chase Bank, and I have never received a form like this in the past. 

As this was an obvious mistake, I immediately called the phone number on the form, XXXX. On XX/XX/XXXX, I spoke with XXXX, employee # XXXX for approximately 55 minutes. Most of the time I was on hold. XXXX told me that they had no record of me receiving any income from Chase Bank. However, he said, that Chase Bank had no way to send out a corrected 1099-MISC. He suggested that I call the IRS and report the erroneously issued 1099-MISC to the IRS. 

I explained to XXXX that there is no one at the IRS to speak to anymore. He agreed and said he would research the issue and get back to me between XXXX and XXXX XXXX on XX/XX/XXXX with further guidance about Chases error. I thanked him. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX, the phone rang with the caller ID of JP Morgan Chase. I immediately and anxiously answered the phone. I heard a few clicks and then the line disconnected. 

At approximately XXXXXXXX XXXX, on XX/XX/XXXX, I called XXXX again, and spoke with XXXX employee # XXXX until about XXXX XXXX. Most of the time I was on hold. He repeated what XXXX had previously told me. Specifically, that there was no record of me receiving {$600.00} in compensation from Chase Bank. He also told me that he knows of no way that Chase can or would issue a corrected 1099-MISC. He also directed me to report Chases erroneous issuance of the 1099-MISC directly to the IRS. 

I then called the IRS at XXXX, and confirmed that the general public is no longer able to speak to a live IRS agent. 

I am now respectfully requesting that you submit a revised 1099-MISC to both the IRS and MO Department of Revenue that documents the fact that I did not receive any income form Chase Bank ( I have no accounts there - only a credit card ) in XXXX. 

Thank you for your assistance. I am looking forward to receiving the requested document. I am also looking to filing a report with the Federal Trade Commission, the FDIC and the Delaware State Attorney Generals office for tax fraud if you refuse to issue an accurate 1099-MISC in my case. Hopefully that will not be necessary. 


Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX )
Consumer complaint received 2016-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I have never recieved service from XXXX. The phone was returned to company. XXXX was never activated. So this is a fraudulant attemp to collect a debt that doesnt exsist.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Regarding Case number : XXXX, While currently under review by my lender, I am writing to ask that my ongoing challenges with my lender be both documented and added to the open complaint referenced above. 

With this in mind, I am submitting screenshots XXXX of my accounts that clearly shows the discrepancy in the amount indicated as owed to keep my account current and the amount that the site will allow me to pay when I indicate that I wish to pay the whole sum ( monthly payment ) that is indicated as owed by me. 

In addition, I am also going to upload a copy of the most recent PAST DUE NOTICE that I received from the lender for another of my accounts for the record after both spending an hour on the phone with XXXX their representatives last month to try to verify that they had worked out their difficulties and also being assured that I was going to receive a letter ( that I have still not received ) indicating that they were both assuming responsibility for the errors and were planning to correct their erroneous report to the credit bureaus of " my failure to honor my obligations as agreed ''.