davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from XXXX XXXX on my XXXX report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and XXXX XXXX removed it, but I can only conclude that they sold off the debt to another third party ( IC System Inc ) because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (TX)

PROFESSIONAL FINANCE C has reported an account on my consumer credit report in the amount of {$530.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my credit report and that would be resulting in identity theft.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc. (TX)

Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT ADJUST XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT ADJUST failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT ADJUST failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT ADJUST is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONAL CREDIT ADJUST is in compliance with OHIO LAW. I 
also have reported this account to the FTC, and XXXX  Police Dept. I need this collection account to be removed from my credit report. NATIONAL CREDIT ADJUST has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On or before XX/XX/XXXX, I was contacted by a LOANCARE representative, who called to inform me that I was behind on my payments by {$140.00} dollars. 

I had previously paid {$2300.00} to cover two months of payments ( XX/XX/XXXX/XX/XX/XXXX ), and had intended to send an amount covering two payments, but for whatever reason, entered the wrong value. 

I provided the agent with my checking number and routing number for my XXXX XXXX XXXX Bank checking number, and the representative asked if I wanted to set up automatic payments for my account, or set up the payment for XXXX. I declined and stated I would set it up through my bank. 

On the XXXX of XXXX, the agreed upon amount of {$140.00} was drafted from my checking account. 

On the XXXX of XXXX my checking account was debited {$1200.00} by Loancare. 

This brought my XXXX account negative, I received a Non-sufficient Funds ( NSF ) fee of {$29.00} and the money was credited back to my account. 

XX/XX/XXXX On XX/XX/XXXX, the funds were redrafted as a 'second attempt ' and went through successfully as I had gotten paid by then. This new charge of {$1200.00} went through successfully. 

XXXX has provided me the trace number and customer ID for this transaction. 


XX/XX/XXXX On XX/XX/XXXX, a second charge of {$1200.00} was successfully drafted from my account by Loancare from my XXXX checking account. 

XXXX has provided me the trace number and customer ID for this transaction. 

This marked the third charge, and the second successful charge made by Loancare, without my consent, approval, or initiation. At this point I contacted XXXX and blocked all further charges made by Loancare for the amount of {$1200.00}. 


I first reached out to Loancare on XX/XX/XXXX via phone and email. 
I provided screen shots of my bank account when they were requested by a Loancare representative. I called weeks later to find out that these were not acceptable, and that I needed to provide more information. I gave the new representative the trace number for the first charge over the phone. 

In XX/XX/XXXX I attempted to make a payment to begin bringing the account to current, while continuing to try and resolve this issue, but at that time my payment was returned and when I called, I was told that no further payments would be accepted as it was being turned over to a law office as a foreclosure. 

My house is now endanger of being sold, and all I want to do is find the missing money and bring the account current.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America ( BoA ) on multiple occasions. During one of the first contacts with BoA, I was told that these fraudulent accounts were not an issue as no charges were being made. Then I was told on a subsequent call that the accounts were closed. After several months, Istarted being charged by BoA, to which I called the company back. I was told that since my personal social security number was not associated with the accounts, I have nothing to worry about. I am trying to resolve this process without much avail. Please refer to the uploaded police, FBI and FTC reports for additional information.
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ascendium Education Group (FL)

On XX/XX/XXXX I received a Wage Withholding Administrative Hearing Final Decision from XXXX XXXX XXXX XXXX with copies issued to myself & XXXX XXXX XXXX. The Decision states " Ascendium or Borrower may request reconsideration of this decision anything after 6 months from the date of this decision. '' I received a new letter from Ascendium dated XX/XX/XXXX stating they are starting attempts to collect from me already. 

I called them on XX/XX/XXXX to ask them why, based on the above decision they were contacting me already and they said my Final Decision had nothign to do with them and the amount was due and that they were going to start procedures on me. They were not trying to listen to the fact that my Final Decision said I have 6 months before they could reconsider. I hung up the call. 

I want to know how they are starting to begin collection again within the 6 months of my Final Decision. Don't I have right protecting me from this violation?
Consumer complaint received 2024-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 I applied for Bank of America credit card by their special mail with code. During application submittal, there is an error happened, and some of the information hasnt been received by a Bank of America application verified by my call thru them same day. The screen shows can not make any decision because of info missing. Bank of America run my credit report About 40 minutes later after errored application submittal. 

After one week I received a mail by BOA requesting SSA form verification for SSN and income documents so they can go through with my application. I give a call to Bank of America and they said please send them in 30 days So my credit report is still valid. 

Mailing my documents on XX/XX/XXXX, Bank of America receives it on XX/XX/XXXX, still having three business days until my report expires. 

Bank of America does not process my documents for Another two weeks and held my application. On XX/XX/XXXX, they run another credit credit check without my authorization And they ruin my credit score. 

After receiving inquiry alert, calling BOA and I told them this is against the credit act law. They gave me unreasonable answers for not doing my application on time. And can not provide me of my authorization for second credit report pulling. Total wrong business practices. 

I am requesting dispute for the 2nd inquiry they made without my authorization and I need CFPB to step in. Thank you.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

This was an ID theft and hacking Chase bank accounts to create an illegal wire transfer no contact by thieves with us.. 
In preparing to do XXXX bills for my XXXX yo step-mom, XXXX XXXX , joint account holder, I saw a PENDING wire xfer for {$9000.00} to a person unknown to us. I called Chase Bank immediately and requested a stop on it, Chase bank stated the person used my deceased father 's online ID to gain access. Chase failed to cancel that ID when I provided them the XXXX XXXX and took him off the account in XXXX. 
XXXX did not know how to access the account online and to the best of my knowledge did not know my father 's ID. 
Chase failed to notify the account holders of a very large amount and unusual method of moving funds, as neither of us has ever used Wire Transfers in our banking history. 
They failed to act in a timely manner when I discovered the transaction while it was still in 'Pending ' mode and called immediately to have it stopped.. 
They claimed a person identifying herself as XXXX called the bank to state the transfer was valid without verifying it was really her. At the time XXXX had neither health issues and rarely used the phone and she had very limited knowledge or comprehension these issues. As of this date the refuse to return the stolen funds. 
We have filed a report for fraud and ID theft with the XXXX XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX XXXX,
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service (CA)

i saw that i have a collection account from a DR . I've never used or seen. Have disputed previously too no avail. i contacted them today by phone and was told to pay this account and call it a day. They send me a debt validation letter, but none of these documents have my signature. So what are the terms i agreed to? if you cant produce a signed agreement please delete this at once!
Consumer complaint received 2018-02-09
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. (MO)

I have previously disputed several erroneous credit unquiries on my Experian report. THERE WAS NO WRITTEN CONSENT GIVEN. Under the Fair Credit Reporting Act experian must investigate and verify disputed items. Simply saying they are valid inquiries without actually looking to the matter is NOT SUFFICIENT. These are the inquiries, I have not given written consent for these inquiries as the law requires for them to be authorized : BK OF XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2017
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OR)

They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately
Consumer complaint received 2022-01-12
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: CCS Financial Services, Inc. (SC)

I RECEIVED A LETTER IN THE MAIL FROM ONE OF MY XXXX  AND IT WAS A LETTER A COMPANY CALLED CCS COLLECTIONS. I CALLED THEM AND SEND OVER A POLICE REPORT AND ALSO CALLED THE XXXX AND IT WAS DIMED AS FRAUD. NOW THE COMPANY PUT A FRAUD ACCOUNT ON CREDIT FILE WHEN THEY HAD PROOF IT WASNT MINE. I LIVE IN SC NOT NC AND IM XXXX IN SC SO I CAN I HAVE A NC AUTO POLICY. NO ONE THERE CARES AND CLEARLY ITS ALL ABPUT THE MONEY.. I WILL SUE AND IM A XXXX XXXX IN XXXX SC.
Consumer complaint received 2020-10-17
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. (MN)

The following debt collector and credit card account, and credit inquiries listed on my Trans Union, XX/XX/XXXX and XX/XX/XXXXcredit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XX/XX/XXXX, {$300.00}, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX ** 2021 I purchased a new car through Kia finance, for {$54000.00}. All consumer credit transactions are to be in accordance to 15 USC 1605 Determination of a finance charge ( a ) ( b ) ( 1 ). The documentary evidence shows at least 3 violations that would automatically void my consumer credit transaction pursuant 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) Civil Liability which clearly states ANY creditor who fails to comply with any requirements under this chapter ; in the case of an individual action twice the amount of ANY finance charge Violation # 1. Kia took a down payment of {$2000.00}, the finance charge dont include charges of a type payable in a comparable cash transaction. No cash is needed in a consumer credit transaction.

Violation # 2 Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determine as the sum of all charges Documentary evidence will show monthly payments and again a down payment. The finance charge is the SUM of all charges and there is to be no cash in a consumer credit transaction.

Violation # 3 ( b ) ( 1 ) ) Charges or premiums for credit life, accident, or health insurance in connection with any consumer credit transaction SHALL be included in the finance charge ; the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying or obtaining the extension of credit I was told I had to have my own insurance up on credit approval to complete the consumer transaction, And i was never shown a disclosure regarding insurance in accordance to finance charge.

Violation # 4 Because my car is being used a security interest Kia Finance was obligated to notify me of my right to rescission pursuant 15 USC 1635 Right to rescission as to a certain transaction.. the documentary evidence will show I wasnt notified of my right.
Consumer complaint received 2019-09-27
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. (FL)

ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING
Consumer complaint received 2020-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Orion Capital Solutions LLC (CA)

The company that purchased the debt from XXXX XXXX is very unprofessional. They have left threatening messages on my phone multiple times. They have been incredibly rude and issued threats because I was unable to pay. They have lied about who actually owns the debt and whom is being paid for the amount that is owed.
Consumer complaint received 2024-05-20
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

XX/XX/2024 placed an order on XXXX for XXXX XXXX jackets for myself, total {$3000.00}, used my Chase XXXX XXXX credit card, paid through XXXX. 
XX/XX/2024 my credit card was charged for the total amount. 
XX/XX/2024 the package arrived, and XXXX jacket ( {$1900.00} ) is mens. 
XX/XX/2024 I returned the wrong jacket through XXXX XX/XX/2024 filed dispute with Chase as I was working with the merchant to get my refund XX/XX/2024 received the email confirmation from XXXX that they have issued refund of {$1900.00} to XXXX ( XXXX emails attached ) Since then, I have called both Chased and XXXX countless times. Each time they just kicked the ball to the other side citing some regulatory constraints. 

As the result of this, as of today, the refund has not been received.
Consumer complaint received 2021-09-17
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. (CA)

On XX/XX/2020 I called into Equifax to acquire documents that Equifax should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by Equifax supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the Equifax agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, XXXX ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I made a electronic rent payment as I have for a year. Ive done this for a year without problem but unusual acts on my account like online account would show funds paid then change when items were paid, including date, account balance, etc. I have overdraft protection so even if I didnt have money in account item would be paid. Also I would be notified by text that hasnt happened. This has been a common problem with someone inside bank clearly manipulating account at Huntington Bank. I want a complete audit and records of who has accessed to my account.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC (FL)

I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. 

This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.