davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though American Education Services. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NH)

Simple bank shut down this morning and the service was transfered to the parent Bank BBVA USA, hundreds, if not thousands of people are unable to access their accounts on the new platform. We can not access our accounts, or our money, customer service is not responding and no solutions have been presented.
Consumer complaint received 2020-01-24
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)

Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MO)

So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

I have a car loan from a company I know as Bridgecrest. My complaint is that it is extremely difficult to pay down the principal balance of the loan. Their web site and their " system '' simply don't give principle payments as an option. Nor do they allow me to view a statement of the account. For me to make a principle payment I first have to go online and make a payment of an amount more than the next due minimum payment. By default their " system '' attributes anything over the minimum payment due to future minimum payments due. Next I have to call their customer service department and ask to have the the additional minimum payments due reversed and then paid toward principle. I am then told the process can take 3-5 business days and to check back with them to verify the change. Next, I will detail my most recent attempt at making a principle payment : On XX/XX/2021 I went to their website and made a payment of {$6000.00}. Immediately after, I called their customer serviced and asked that a regular payment of {$270.00} be made and that the additional {$5700.00} bet put towards the principle balance. I was told the changes would be made and to check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. Again, I called and was told my previous request had never gotten submitted but that it would now be. Again, check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. This time I was told the changes were in process but not yet complete. " Check back later. '' Today, XX/XX/2021, the site still showed no changes. I made yet another call. No explanation was given. They promised to make the changes and call me with updates. They told me it could be another 3 days. I asked for a statement of my complete payment history and was told it was available to me on their site. It is not, though they insisted it was. I asked that rep to walk me through the process of getting the statement online. She then put me on hold and transferred me to someone who she said could help me get the statement. That person didn't walk me through anything, she simply verified my email address and said she would send me the statement. Again, this could take 3 days. Still no solution.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( Equifax ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company. In pursuant to 15 U.S.C. 1692k I am owed XXXX for each missed payment found within my Consumer Report ( 62 ). A settlement of {$62000.00} the removal of all missed payments within my Consumer Report, and for this account to report as Paid-In-Full. Your company has caused me and my family four ( 4 ) years and counting of financial, emotional, and mental stress. I have been denied access to my Open-Ended credit plan being denied my right to extend my credit from purchasing a new home, cars, personal lines of credit, credit cards, etc. All due to your companys unlawful reporting of my personal information. Your company has fourteen ( 14 ) days from the date this letter is received to respond or settle before I begin the arbitration filings.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX and Experian posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information.

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time.

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/21, A man with a very thick accent called to say they were sending me letters to my home ( where I no longer live ). That they are trying to help in a situation with my daughter and just need me to verify some information. I asked several times, what type of company is this. What services do you provide. He kept evading the questions. He just kept repeating we are calling to help in a situation with your daughter and then said her name. The caller kept pressing me about the verifying some personal information. I finally said " XXXX '' as to indicate the house numbers to my former address. He then proceeded to say this is ... ... .and we are attempting to collect a debt. I told him what he did was illegal and I hung up. 

The company Healthcare Revenue Recovery Group. The phone number XXXX. 

The crazy part? My daughter has XXXX XXXX and XXXX XXXX and was covered under XXXX.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Best Buy credit card is under my Social Security number XXXX XXXX XXXX finally tried to cancel it to no avail when I realized that they failed to post an {$1100.00} payment to the account and piled ridiculous fees continually. They also lied to me about freezing my account for XXXX months during covid so I lost track of being responsible. In return I believe the ridiculous balance should simply be forgiven off my credit so I can buy things.
Consumer complaint received 2020-11-05
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. (CA)

The credit is not following the law. I sent out several dispute letter in regards to my credit concerns.. XXXX and XX/XX/XXXX removed the items off my credit report but Transunion fell to comply with the law.. Please help me with getting these concerns removed from my credit report immediately..
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

Purchased a Product from XXXX XXXX in XXXX. I used my Citi Card for this purchase. First charge was for XXXX on XX/XX/XXXX, second charge was XXXX on XX/XX/XXXX. Product was delivered and was extremely materially different from what was advertised. I emailed the merchant several times over the course of a month, and didn't receive any responses. I filed disputes With my Citi Credit Card on XX/XX/XXXX, case XXXX & XXXX, with all the information that Citi requested. On XX/XX/XXXX Citi requested that I return the product, which I did. I provided tracking to Citi, and the returned product was delivered on XX/XX/XXXX, with tracking - XXXX. Since then, on XX/XX/XXXX, XXXX XXXX went insolvent and shows on the XXXX XXXX website they are in liquidation, which I provided this information to Citi on XX/XX/XXXX. I have called Citi several times during the month of XXXX to receive updates, to which I am told, they have put in an urgent message to update me. I have heard nothing from Citi. Everytime I talk with them, they just tell me they are working on it. The information online shows these disputes should have been settled by XX/XX/XXXX.
Consumer complaint received 2021-02-03
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: DriveTime (FL)

Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (NY)

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.
Consumer complaint received 2018-02-12
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)

This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX  XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

Applied for online checking account on XXXX & XXXX XXXX, 2022. Each time, after submitting requested information, I receive the screen " We can't open an account for you based on the information you told us. '' There was no other explanation. This is curious as I have over XXXX XXXX other checking accounts at smaller institutions, and actually had a $ XXXX Chase credit card years ago ( which I cancelled in good standing myself ). Chase 's website is totally useless for finding out additional information regarding this unwarranted application cancellation.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C. (TX)

As a federally protected consumer I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX only. The Law Office of Brett. M. Borland P.C. falsely claims to be authorized to collect this alleged debt and I assume is working on behalf of XXXX XXXX XXXX XXXX. This law office having details of my private transaction as a federally protected consumer is a violation of my right to privacy. Additionally, they have violated several federal laws which are outlined in my attached Affidavit of Truth and Exhibits below.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX   shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

accordance with the fair credit reporting XXXX XXXX  Account # 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 States of consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc. (IL)

My Health Care provider XXXX XXXX XXXX treated me on XX/XX/XXXX, included medical care and drugs total cost {$300.00}. My XXXX pays first, it paid {$120.00}. My XX/XX/XXXX ( XX/XX/XXXX ) pays second, it paid {$40.00} and XX/XX/XXXX Explanation of Benefits ( EOB ) showed me their payments to my Provider - XXXX XXXX XXXX - noting " You Owe the Provider {$0.00} ''. 

On or about XX/XX/XXXX by way of unsigned - Written Letter, XXXX XXXX XXXX XXXX IXX/XX/XXXX XXXX XXXX sent me a bill RE : Account NO : XXXX XXXX Clinic {$1700.00}. 

After examining this itemized statement regarding treatment on XX/XX/XXXX, comparing my XXXX Summary Notices and XX/XX/XXXX EOBs balances are $ XXXX as in this example. See all relative ATTACHMENTs to this complaint regarding XX/XX/XXXXservice. 

I can't not explain why my Provider tells collection agency I owe money in this XX/XX/XXXX example? Collection agency shows harmful/bad information on my credit report?
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  XXXX Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Consumer complaint received 2023-03-19
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: Exeter Finance, LLC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Restriction on credit card need to be remove ; I have been a member of Capital One for 7 years. I do understand that I have be late on my payment due to losing my job on XX/XX/XXXX when Covid-19 happen. I had to wait to sale my house to get some money so I can make the payment. On XXXX XXXX a representative named XXXX told me about a payment plan to enroll so for {$260.00} but on the same day I call Capital One back and spoke with another representative named XXXX to cancel because being unemployed there is no way I could make a payment for 9 consecutive months. I have made a payment for XXXX to bring the account under the limit on XXXX XXXX with XXXX, I callback to speak with XXXX who stated that she have the restriction if I make the payment for XXXX on XX/XX/XXXX I made that payment on XX/XX/XXXX and then I spoke with XXXX on XXXX XXXX she said I had to make 3 payments so I made another payment for {$250.00}. She told me that it will take 7 days for the restriction to remove which is observed when I trying to pay the balance down.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I reviewed my consumer reports be noticed that i have multiple late payments on an account that i was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and proved Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

The original debit card has expired and I have never received the new debit card. I have called twice to resolve the problem and I have gone to a branch that told me to call the customer service number. The monthly service charge seems to now be {$10.00} per month when before it was {$4.00}.