davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I have had an account with MIdland Credit Management ever since they bought my account in 2017. First I was told they would not put it on my credit report if I made payments. I have been making payments ever since and have not missed a payment yet they still reported it. I know that collections stay on reports approximately 7 years. Now all of a sudden they changed my account number and instead of changing my report to reflect it is a change and giving me credit for my payments ( which they lied and said they werent going to report anyway ) they deleted my account then added a new collection and say I have paid nothing. This not only lengthens the time it will be on my report but hits my credit unfairly as it looks like I just got this collection and that i have done nothing to pay on it. I disputed it but no response- went online and they do not reflect my payments on this account even though my emails and checking accounts show I paid. I tried to chat on their site but they will not because of the dispute.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

TD bank has allowed several accounts to be opened in my name fraudulently. I went into the bank the first time with my id and social security card letting them know it was not me. After that they allowed them to do it again. I have lost hours at work. That is financial abuse to continue to let someone do something like this. Its pure negligence and I am not the only one experiencing this issue its happened to thousands of people recently at TD Bank.
Consumer complaint received 2022-03-29
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. (FL)

I checked my TransUnion credit report and noticed I have unauthorized inquires that I don't recognize. I submitted a dispute with TransUnion and received a response back and they haven't did any investigation into this matter. Per the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have the right to challenge questionable information that I have found on my personal credit report. Also in my letter i sent to TransUnion I told them that I was invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information from the investigation of the inquires stated below : 1. The date you contacted the creditor 2. The contact information for the creditor XXXX. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 
I have not received any of these items requested from TransUnion. I have attached the response from TransUnion and there are not following the law and is reporting inaccurate information on my credit report. Furthermore, TransUnion violated the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Again, TransUnion haven't sent me any supporting documents showing they did any investigations as I requested per the the Fair Credit Reporting Act Section 611. TransUnion has not provided me with that information that i requested
Consumer complaint received 2017-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stanislaus Credit Control Service, Inc. (GA)

Georgia Crime Victims had took care of this bill. I was XXXX by XXXX people on XXXX property on XXXX XXXX, 2013. I was treated for my injuries and this program covered all medical expenses through there program. I had related to them that they need to use my claim number to find check number associated to payment that was issued. I do not owe or believe that I am responsible for this balance. These allegations are fraudulent.
Consumer complaint received 2016-10-11
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: USA Credit Solutions, Inc (CA)

Contract is misleading advising you can get a refund after your terms and also within 10 days of signing a contract. Within the 10 days you will not make a payment till 1 month later so how is that a refund? Since I signed a term contract which I had paid in full and still nothing was clear within my debt. This company also advise they keep 51 % of my money and only pay off the debt with 49 % which does not make sense at all. This company is not coming clean when i ask them questions and when they answer it does not make sense at all. 

*CUSTOMER SERVICES NOT GOOD *CONTRACT DOES NOT ADVISE WHAT THEY SAY *COMPLAINT TO THE MANAGER AND THEY HE ADVISE HE IS THE OWNER?? 
*CONTRACT IS MISLEADING *MANGER YELLS BACK AT ME WHEN I AM ADVISING THEM ABOUT THERE SERVICES AND WANTS TO KEEP MY MONEY FOR NO WORK DONE *AT THIS POINT I THINK THIS COMPANY IS A FRAUD/SCAM *CALLED THE OFFICE I SIGNED UP WITH, CAN NOT ASSIST THAT I WILL NEED TO CONTACT HEADQUARTERS * CAN NOT PROVIDE PROOF WORK WAS DONE
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (HI)

I am a victim of a XXXX scam. I wanted to purchase a wedding dress from a used wedding dress website for my upcoming wedding. A seller was selling a XXXX XXXX wedding gown named XXXX for {$4500.00} on the website XXXX XXXX ( XXXX ). There was no portal to communicate through the website so I was emailed by the seller. I was requested to pay {$2000.00} via XXXX to a XXXX XXXX. I made the XXXX transfer of {$2000.00} on XX/XX/2022 from my U.S. Bank account. I never received the wedding dress and the seller is unable to be contacted. I have disputed the transfer with U.S. Bank and my dispute was rejected. I never got my money back. All I wanted was to get a wedding dress to get married in and someone took advantage of that.
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC. (FL)

I filed for bankruptcy, chapter XXXX, and it was discharged. This account with Navient was opened over 11 years ago, and it shows that I owe more than the original loan. I have not paid in years ( since XX/XX/2017 ) This installment loan should be charged off and deleted from my credit report based on the years it has been open and unpaid. Instead it just sits in my report negatively impacting me for years without end in sight, gathering accrued interest. I will never be able to pay this, and do not plan to pay this account. I filed chapter XXXX because of an abusive marriage and divorce, and now am a single working mother with full custody and no child support for XXXX young children. Navient has never been open to working with me in years past to resolve this, so I am asking for it be closed and removed from my report so I can try to clean up my credit and move forward in my life financially.
Consumer complaint received 2024-04-02
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: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/24 I received an unauthorized inquiry on my credit report from Navy Federal Credit Union after reviewing this item on my credit report I contacted XXXX credit bureau to inform them of this inaccurate information. They informed me that there was nothing they could do that I would have to contact the Navy Federal Credit Union auto loan and I contacted them and they did nothing but continued to transfer my call to the supervisor and nothing was resolved due to this issue my credit score has decreased even though it was not authorized for my credit to run. Navy Federal Credit Union did not have permission to authorize approval for a loan. I need this inaccurate information removed from my credit report and my credit score to return to my accurate score.

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 
Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations. 
It's important to note that obtaining consumer credit reports for unauthorized purposes or without proper authorization is a violation of the FCRA and can result in legal consequences. Consumers have the right to dispute inaccurate or incomplete information on their credit reports under the FCRA, and credit reporting agencies are required to investigate and correct any errors.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/2018, Shows late payment. I explained to them it was a electronic error automatic payment/ auto pay did not take the money out of my account resulting in a late payment for XX/XX/2018. Company Chrysler Capital.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: New Century Financial Services, Inc. (NY)

I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CA)

I have an account in good standing with Simple bank. They misunderstood my comment that I am often abroad and misconstrued this as me living abroad permanently. They have decided to close my account while I am having XXXX done at the XXXX Hospital in XXXX. I have re-iterated to them that I am permanently resident in the USA in the state of CA and they have no cause to close my as account. They understand this but will not correct their mistake. I am very unhappy about this situation. I am XXXX and having XXXX and they are closing my account even though they admit there was clearly a misunderstanding.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX applied for venture capital credit card. 
I suppose to receive XXXX bonus miles once I spend {$500.00} on purchases within the first 3 months from Account opening. 
Now the credit card company refused to honor the bonus.
Consumer complaint received 2016-10-03
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Student Aid (USA) Funds (FL)

case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ECMC GROUP, INC. (OH)

The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

Coinbase showed me a 2-day hold on an ACH when I submitted the transfer they came back telling me they are holding it for 16 days. I have tried to get an explanation for the hold and they won't share with me the reason why. I asked to be escalated to their supervisor and they have refused. I tried calling to get someone on the line and it hang up the phone when I dial the option for support. I feel that CoinBase is using deceptive practices and potentially committing some type of fraud with the fact that they are holding an ACH for less than XXXX More than the one day allowed. Because of their refusal to provide any additional information or escalate me to someone who can It furthers my fear of fraud.
Consumer complaint received 2015-12-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (TX)

I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( Party provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for XXXX and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.
Consumer complaint received 2024-03-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

On XX/XX/XXXX, National Credit Adjusters placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add XXXX XXXX XXXX. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought XXXX XXXX XXXX was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?
Consumer complaint received 2016-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MA)

I was under the impression that my student loan was forgiven. I borrowed {$25000.00} in XXXX. After many years, moving from XXXX to XXXX to XXXX I went through many hardships and finally I saw the light at the end of the tunnel when I applied through a document in my work to American Education Services. They then connected me with XXXX XXXX XXXX XXXX for student loan forgiveness and XXXX XXXX in XXXX consolidated my loan she works for XXXX XXXX XXXX, paying {$50.00} a month and stated that in XXXX XXXX my loan will be forgiven. But, in XXXX XXXX XXXX XXXX did not honor it and stated that I have to go back to paying {$340.00} a month. I have contacted XXXX XXXX and after investigating they suggested that I should contact you. Please help!
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JH Portfolio Debt Equities, LLC (TX)

Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.