davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (NC)

In XXXX I discovered my credit score had fallen 100 points. I requested a credit report. It showed a claim sent to collections from XXXX XXXX  with the account number XXXX, +2 additional accounts. I am mediately called the phone number and paid the debt. I Had never been notified that I had a debt. The collection agency, medical data systems Inc., doing business as medical revenue service from XXXX Florida, noted that the bill was from XX/XX/2019 and had been sent to an address where I lived eight years prior. I asked if I should file a complaint. I was told no. I was told that I would receive a deletion letter from medical revenue service. Ive had to follow up for nearly 2 months with numerous phone calls, as well as emails requesting that my name and credit be cleared. As of yesterday,
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (WA)

I got a call at XXXX on XX/XX/18 on my cell phone from XXXX from " specialist XXXX '' from XXXX XXXX XXXX. The voicemail is for an ex-family member that was named by her first and last name. She hasn't been related to me for years and has never used my cell phone number as a contact, meaning this company knew they were contacting someone other than the debtor. The voicemail was quiet for 4 seconds before " Specialist XXXX '' began speaking, indicating that it was a computer dialing. The debt collector is demanding a call back by XXXX today or " this will proceed to the next step that will directly affect you. We will continue to to take all available actions to get this matter resolved ... make this a priority to respond to this message at XXXX. My direct extension is XXXX. ''
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I had a loan with Hyundai Finance for a used car and paid off the loan. I had setup an autopayment from my bank account and made an extra payment. I contacted Hyundai and they said they would issue a refund and keep telling me the refund is pending. 

My overpayment happened on XX/XX/2020. I have spoken to Hyundai customer service once a month since XX/XX/2020 and have spoken to supervisors. They can only send an email to the finance department. Each time I'm told the payment should be received in XXXX days. 

I have also sent a letter directly to the Hyundai Finance department with a compliant. I have not received any correspondence as a result of the letter. The overpayment was {$200.00}. Hyundai for some reason will not process a refund check to me.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC (FL)

This medical collections company started calling my cell attempting to collect on debts from someone else. They confirmed on 2 separate occasions that it was not my debt ( it was for a XXXX  bill from an imaging office in XXXX XXXX, FL ). The company also released the name of the debtor to me on one of my conversationswith them. I told them twice to remove my number : on XX/XX/XXXX and XX/XX/XXXX ; but they continue to call me. Last call received on XX/XX/XXXX. 

Caller ID shows either " Bill collector XXXX hospital '' or " XXXX XXXX XXXX ''. 

It was also curious that they started calling on the first days the COVID19 stimulus deposits started coming to people. I've never before gotten collections calls on this number since I got it four years ago ... so, it looks some of these collections companies are culling through old lists attempting to coerce or bully people into paying now that they have these stimulus funds.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (GA)

This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. 

XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX is charging 279.50 % Interest on my loan and over 80 % of my payments are going to with is called " CustomaryFee '' instead of interest or principle. For example, XXXX XXXX took {$270.00} out of my last biweekly paycheck and {$210.00} was charged as " CustomaryFee ''. This seems to be predatory and with such a high interest rate, I will never be able to pay this loan off. It is a trap.
Consumer complaint received 2018-06-18
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 (IL)

I am being charged {$29.00} by an Internet Hosting company called Just Host. This service was cancelled XX/XX/18, but they keep charging my card. I complained to the credit card bank Capital One and they have taken all my supporting documents but are still re-billing my credit card. I called Capital One again today and they said they did not receive any supporting documents. This is false. I uploaded all the supporting documents to a special document link they provided me.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (LA)

I have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I filed 2 disputes with USAA Federal Savings Bank on my Checking Account : -The first dispute was with XXXX XXXX for {$230.00} that was billed as an annual membership fee for their movie program -The second dispute was with XXXX for {$170.00} that was billed as an annual membership fee for their dining plan Both of these companies have furloughed up to 90 % of their staff, closed all physical locations, and are unavailable via telephone, their website, or email due to the COVID-19. I tried to contact both of these companies through all of the previously listed methods but was unsuccessful. 

I received a response from USAA that they were declining my dispute and told me that I needed to contact the merchants, which I am unable to do because the companies are closed. When I contacted USAA Federal Savings Bank about the declined dispute, they stated that they had an internal policy that " superseded the regulations '' and would not be processing my dispute. They directed me to contact the merchant, which I explained was impossible because they were closed.
Consumer complaint received 2018-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BB&T CORPORATION (VA)

I applied for a credit loan and then paid in off on XX/XX/2018 through First Virginia. After it was paid off, First Virginia allowed someone to call over the phone, impersonating me, and apply for a second loan with my knowledge, consent, or a signature. Now, I'm stuck paying a loan off that I didn't ask for because they said they did nothing wrong.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have filed a dispute letter in regards to the incorrect items on my credit report. Its been week over 30 days and I haven't received information or results.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Entered into payment plan for card in order make payments more affordable. Card representative did not disclose payments made according to the payment plan still counted as late payments. This resulted in four late payments for 2020. I would not have entered into payment plan if representative disclosed I was still subject to original payment due date.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

Hello, I had a fire claim and initially the full proceeds were told to me from Chase Branch to release funds within 5 days on two installments. 

Then that did not happen. Then I was told 70 percent had to be completed.

I had two inspections, one inspection 20 percent was done.

Second inspection 70 percent was done and still no release of funds so I can finish my job.

Still remaining funds have not been released. I am getting the runarounds and can not finish my job since I am the contractor.
Consumer complaint received 2021-03-25
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX  XXXX  partial account number ****2426. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-29
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. (MD)

I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XX/XX/2020 XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX   XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (IL)

I received notice dated for XX/XX/2021 that I owed a debt to a company that I have never heard of before nor ever entered into a contract with. Asset Recovery Solutions , LLC claimed that I owed them a significant amount of money. On XX/XX/2021 I sent correspondence indicating that I was willing to pay any debt that I might lawfully owe and that letter is attached. The letter indicated that the company had 21 days to provide validation that I owed them anything and they failed to do that. Three months pass and then I receive another letter from them dated for XX/XX/2021 with accompanying phone calls to my place of employment. This is harassment as I already responded once indicated I was willing to pay if they could show where I entered into a contract with them. I responded on XX/XX/2021 displaying the various federal violations their company and their clients are currently breaking. This letter is also attached. This company is calling my place of employment multiple times a day even after I have sent two letters indicating to communicate with me via mail only.
Consumer complaint received 2020-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient seems to have increased the amount I owe on a loan by {$2700.00} after the 3 month COVID deferment.. I was paying {$320.00} per month for over a decade which was the agreed amount for the life of the loan. I am being charged {$340.00} per month for what seems the life of the loan. There was 3 month 's deferment during Covid where I did not pay a total of {$960.00} ( XXXX x 3 ). By paying {$340.00} per month it increases the overall amount of the loan by {$2700.00}. How can this be? 

Did they increase my interest rate with during those 3 months of Covid? If so the banks raked in tons of extra money by giving a deferment to tens of thousands of people? If that is the case it is atrocious and borderline criminal. 

I sent them the following on XX/XX/XXXX through my borrower portal, but have not received an answer ... ... .. 

I need some clarity on how my monthly loan payment went from {$320.00} for the life of my loan until the year XXXX to now {$340.00} per month for the same time period. 
Three loan payments were missed which is a total {$960.00}. 
That is an additional XXXX for the life of the loan. ( ( {$3700.00} - {$960.00} ).

Why am I now paying. {$2700.00} for the life of these two loans? That is the way it certainly looks to me when I look at my data beforeXX/XX/XXXX and the data that is presented now.

I am looking for a response that clearly breaks down the payments I owed before XX/XX/XXXXand compare that to what you show now. I see a large discrepancy that I can not explain.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Someone opened a Capital One credit card in my name sometime last year, the limit was {$500.00} and they have exceeded the limit and now is {$670.00}. I froze my credit and filled out a fraud affidavit for the federal trade commission.
Consumer complaint received 2020-08-19
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. (NV)

I have contacted Equifax regarding obsolete accounts on my credit report. This is information that should have been deleted pursuant to the FCRA. Equifax has refused to delete this derogatory information, in contradistinction both XXXX and XXXX have remedied this information and have done so promptly. 

I have also informed Equifax of a fraudulent account on my credit report, and again, they have refused to take any action, investigate, or otherwise comply with their obligations under the law. 

Equifax is in violation of the FCRA, and instead of investigating this issue as they should they responded with a boilerplate response claiming they could not locate my credit file, despite me including copies of my FL Drivers License and US Passport. 

Equifax is simply refusing to take the appropriate action that they must pursuant o applicable law.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

This debt was a XXXX XXXX claim it happened on the job. The debt belongs to XXXX XXXX. This is not my debt! I have told all the people involved yet they are still trying to come after me for the debt.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

on XX/XX/21 and two weeks previously i tried to deposit monies into my checking account. the deposit consisted of a credit card stimulus payment from us govt, {$1400.00}. bmo harris refused to accept my id, altho this is the same id used to open this account years ago. bank tells me i must show them a state issued id or a passport. i do not own these other ids '. if my id was good enough to open an account, why is it not good enough to make a deposit. XXXX XXXX
Consumer complaint received 2020-07-15
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. (OH)

XXXX- -My name is XXXX XXXX XXXX the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!