davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. It was opened on XX/XX/2019 with an amount of {$3600.00}.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDCAH, Inc. (HI)

Medcah is repeatedly calling stating unpaid debt without contacting my insurance. 

I have talked to XXXX and they confirmed MEDCAH INC. has not contacted them at all. 

The lady on the phone was rude and dismissive and unhelpful. 

I emailed MEDCAH the following based on XXXX guidance : I contacted XXXX They said you did not contact them in regards to this claim. Fax them the claim at XXXX or mail them at : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

I have zero patience left.
Consumer complaint received 2023-01-11
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. (CO)

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (CA)

Dear Ladies and Gentlemen, due to the COVID-19 hardship we had requested to lower the amount of our monthly car payments with Carmax Finance. On the phone, the representative had told me this was no problem at all, that we should just pay what we can. 
However, after paying only {$100.00} last month XXXX XXXX XXXX, we received a letter from Carmax stating that our amount is past due and a late fee charge was also added and they are also threatening now that they may report this information to the credit bureaus if the payment is more than 30days late ( which it will be on XXXX ). This should not belegitimate during a pandemic where people loose their jobs, work less hours, have to stay home to homeschool children and do not have the money to pay all bills, especially after this was discussed with Carmax before and we were assure it would be ok to make any payment we are able to.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (FL)

Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (TX)

XXXX sent my account to collections which was originally called XXXX XXXX. this was the incorrect amount. I than got a call from Allied Collection Service out of XXXX XXXX. I spoke to a woman named XXXX who was a nightmare. I kept being threatened about how this was going to go on my credit. I told them let me talk to XXXX  and get this resolved since this is the incorrect amount. I had moved to XXXX who was to help pay off any balance i owed to XXXX. XXXX from Allied Collection gave me an option of a payment plan so this will delay any remaining balance that i owe from reporting on my credit. In which I told her ok but i can only do minimum amount of {$50.00} per week based on my financial situation. She gave me a time frame of 2 months to pay off the whole amount. I told her this is all i can do until the dispute comes back with XXXX. i told her if it comes back that i owe i will pay the remaining balance within the time frame. She refused to take or schedule my payment. Even though it states in the email i received from them that i was able to make payment arrangements without anything being reported. She was not willing to work with me at all. She said this account will be in dispute on their end and we are not to have contact until it is resolved. I never received a call back or email of the results. they have reported the amount i owed to all 3 credit bureaus. Allied and XXXX  have been colluding back and forth and unwilling to help at all. I am in the middle of purchasing a home and this will further delay the process. These two companies have not given me any chance to review the amount owed and i keep getting bounced around between the 2 companies. Every time i call and try to get answers i keep getting transferred.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Siggi LLC (VA)

I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the fair credit Reporting act 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 a 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 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

It has come to my attention as of XX/XX/2024, upon reviewing my consumer reports with all three major consumer reporting agencies ( XXXX, XXXX, and XXXX ) I notice that there exactly 4 accounts reporting that are exactly the same. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are being reported by COMENITY BANK. The accounts reported by COMENITY BANK are being reported as " No Data '' in the payment history which implies that both accounts are incomplete. These accounts have also been sold to a " debt buyer '' by the name of XXXX XXXX XXXX. I am aware that once a creditor closes and sells an account to a debt collector, that collection agency would own the accounts they purchased. So, if COMENITY BANK sold these two accounts that are also being reported by XXXX XXXX XXXX, why is COMENITY BANK still reporting them on my consumer reports? I have reason to believe this could be spiteful and deceitful behavior coming from COMENITY BANK. Now both COMENITY BANK and the collection agency are reporting the same account on my consumer reports. This is a violation of the Fair Credit Reporting Act 15 USC 1681 as it relates to unfair credit reporting. This is damaging to my reputation and misleading to modest creditors who legitimately do business in compliance with the law.
Consumer complaint received 2022-08-12
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. (NC)

15 Us Code 1681Congressional findings and statement of purpose under ( A ) Accuracy and Fairness of Credit Reporting ( 4 ) states There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. Equifax did not excercise their grave responsibilities with fairness doing this investigation. I called Equifax and told them I need verification of this account with paperwork and all the documents sent to me by mail of this account from XXXX XXXX and they told me they will send the documents proof of account. I have not gotten any paperwork of account. The conclusion of the first investigation that the account was closed. I know the account is closed but this account need to be verified with the proper paperwork or has to be removed altogether from my credit report by law. I as a consumer is not aware of any debt from XXXX out of XXXX Md. This credit report is being stated without my consent and I did not authorize Equifax to give this report Us code 1681b permissiable purpose of consumer reports ( 2 ) I have to instruct you by law to give this report and you have to have my consent. I have reached out and ask for information multiple of times for verification. You have to provide proof not just give your word that I owe any debt that I am not aware of by law. I as a consumer and the XXXX  need the paperwork to be sent and proof of account. If account cant be verified with paperwork, it has to be removed altogether. Equifax also just admitted that they gave false credit scores from mid XXXX to early XXXX due to a glitch with the system. I was affected with that also. By law you cant give out false information.
Consumer complaint received 2020-12-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance Recovery Group (WI)

I have been receiving calls from Alliance Recovery a couple times a day. Today, XX/XX/XXXX I finally answered and spoke to a woman claiming her office was going to sue me and garnish my wages. They also told me they would be arriving at my house or place of employment to serve me with paperwork. This debt is from XXXX. Its a payday loan. 

Please help me. Its stressing me out and activating my XXXX. I have been working so hard on my credit. I told them this activity wasnt legal and they told me it is.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (HI)

I applied for a Chase credit card online around XXXX. On XX/XX/XXXX I got a letter in the mail from Chase stating that they were concerned that someone was using my personal information fraudulently and declined an application because of this. It was reference number : XXXX. It stated to contact them if the application was valid. I had called them multiple times, between 5-10 times and each time someone would keep telling me they had to transfer me to another department over and over. Every time someone would pick up from the next department, they would say I need to call another department or they couldn't help me. The last time I had called I was just extremely frustrated, I believe I called Lending services because that is where someone told me to call, I called during operation hours and I was on hold for 2 hours 39 minutes before I gave up. No one ever helped me clear this " fraud '' or helped me with my credit card application. I believe they denied my credit card because I told them that I either used one of 2 addresses I live at, but I wasn't sure of which one, but I explained to them I had just moved. They still didn't help me. Now for months I have been unable to apply for any other credit card companies which is affecting my credit score that I am trying to build. They have been very unhelpful throughout this whole process and the 3-4 months I have been waiting and I never got a call back.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

On Friday, XX/XX/XXXX, a check card purchase of {$130.00} was paid early in the morning. The status was pending. On Saturday, XX/XX/XXXX it was no longer pending. I assumed to be item was paid because it no longer appeared in my pending. So, I did several other withdrawals over the weekend. On Monday, XX/XX/XXXX, I made several cash deposits and transfer which I believed brought the t my account in the positive. On Tuesday, XX/XX/XXXX, some of my deposits were posted for the XXXX instead of the XXXX. This caused me to incurred 3 nsf fees of {$36.00}. These fees then put my account in the negative which caused a transaction of {$6.00} that was processed to incur another nsf fee of {$36.00} on XX/XX/XXXX. I assumed I had enough funds to pay all my items. I incurred in total {$140.00} in nsf fees.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recieved a notice from Bank of America that one of my accounts was to be closed. Upon receiving the notice, I call the bank and was informed that they can not tell me any other information regarding the closure and it was done at their will.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (TX)

The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CT)

On XX/XX/XXXX and XXXX, 2020 I logged into Dovenmuhle 's website ( XXXX XXXX attempting to make a payment on my mortgage. I had previously made payments earlier in the month through this same portal successfully however now when attempting to review the payment ( the final step before confirming/submitting ) it would simply send me to a blank page. I called customer service and was informed if I wanted to make a payment over the phone there would be a {$10.00} fee incurred ( which is unfair as the website was not working properly. ) Additionally I was told if I wanted to send a check it had to be certified ( which would also incur a fee. ) I was not given any means to make a payment that would not result in a charge and it's wrong this company is trying to leverage fees from their customers when their own website is failing.
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Receivable Consultants Inc. (TX)

I have a medical debt ( that I do not dispute that I owe ). The current balance is {$150.00}. I have been making XXXX monthly payments and I continue to get repeated phone calls where they are leaving harassing voice mail messages. 

They called : XXXX XXXX XXXX My last monthly payment was {$25.00} on XXXX which was cashed by the company. 

I have always returned the phone call to a person who says their name is XXXX XXXX. 

Every time I speak to her she gets REAL NASTY and threatening me she is going to call my employer ( which is ignorant on her part since I do n't work ). And that even though I am making monthly payments " That is not good enough '' and " She is going to report me to the credit bureau and ruin my credit ''. 

I am making my monthly payments, returning their calls unlike most people that probably just avoid them and I am still getting harassed ( 3 times so far in XXXX month ).
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (IL)

XXXX offers 0.25 % interest rate reductions if you setup direct debit. They state that one should allow 2 weeks for this application to processed. I filled out the form, mailed it in, and heard nothing for over 3 weeks. I then called to inquire what had happened. I was told that XXXX did not setup my account on direct debit for my current 3 XXXX degree loans because i had previously setup direct debit on loans i had fully repaid approximately 6 years earlier for my XXXX degree. 1 ) This does n't make any sense, and 2 ) why could n't anyone from XXXX contact me about this? A few weeks after this phone call, my first automatic payment became scheduled. Neither the payment due ( approx {$460.00} ) nor the payment scheduled ( approx {$1100.00} ) reflected the 0.25 % interest rate reduction,  so i called on X/XX/17 to inquire why. I asked why they did n't reflect the reduction and why the payment scheduled was so much larger than the payment due. I was told that the interest rate reduction would take effect the following month, after the first automatic payment, and I was also told that the larger payment was because the scheduled payments would always be for the same amount, regardless of any prepayments made. I did n't like these answers, but I accepted them. The payment was due on X/XX/17. I had a payment scheduled for X/XX/17. I checked back on X/XX/17 and found that XX/XX/XXXX canceled the scheduled payment ( approx {$1100.00} ) without my knowledge and that my account was now 3 days delinquent. I called to ask what happened and was told that direct debit always starts the month after enrollment which is 1 ) at odds with what my account previously shown and 2 ) at odds with what the other representative had told me on XX/XX/XXXX. I have had multiple issues with XXXX and their handling of my account. This is just the latest issue. I just made a manual payment on X/XX/17. I hope that this particular issue is now resolved. My goal is to bring broader awareness to XXXX 's poor quality of servicing.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Ability Recovery Services claims that their client XXXX XXXX XXXX ( who they " represent '' ) has bought this debt, so a person would not owe this alleged debt to Ability Recovery Services, their client or the assumed original creditor ; Ability Recovery Services just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave them permission to have my personal information, that is a violation of my right to privacy pursuant to 15 USC 1692a. Furthermore, Ability Recovery Services just admitted to participating in conspiring against my rights with their client, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028, by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Delete this alleged debt from all of my consumer reports immediately and terminate all further collection efforts.