davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX XXXX  XXXX XXXX  for Portfolio Recovery Associates.LLC
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.
Consumer complaint received 2015-12-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (ND)

American Express debit card/Serve card has reduced my account by {$48.00} without any debits to incur this! My balance now reads {$2.00}. I believe it should read {$51.00}. The online balance was {$90.00} on XXXX/XXXX/15. I have a copy of this if you need it. Then on XXXX/XXXX/15 the balance was {$59.00} online. From XXXX the total debits = {$38.00}. I called the company yesterday and the guy who answered me denied there was an inaccuracy. He was VERY mean and TOO argumentative!
Consumer complaint received 2021-02-20
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. (MD)

I have been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (PA)

This is some XXXX in North Carolina. I live in PA and ive Has insurance for the past two years. I tried to explain that to them and they just send back a letter asking for the money again. the second time I tried to call the guy wanted money and to try to transfer me around and sell me other products. I've got these from a few other states and it says my info is on the XXXX XXXX. They have gotten me for taxes unemployment hospital bills, Pay pal accounts and all kinds of stuff. 
I've already filled out the appropriate forms with the IRS, FTC, I've Tried the attorney General in there state and didn't Hear back and spoke with our state representative XXXX XXXX 's office And they had me call the state rep in North Carolina and i never her back the same happened in Several other states. Ive had bank accounts emptied, taxes filed in my name, phones disrupted.
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (TN)

In XXXX of XXXX I sent XXXX and Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

On XX/XX/2019 I made a {$1000.00} payment on my XXXX XXXX XXXX XXXX XXXX XXXX  ( CitiBank ). On XX/XX/2019, I noticed that Citi had charged my account for interest on a purchase made using the card on XX/XX/2019. 

I started a chat session with the company and they said that it was a 'technical issue ' and that they would reverse the interest charges. 

My concern is that I do not trust that there was any technical issue at all. I believe that CitiCard / XXXX XXXX XXXX XXXX XXXX is willfully and knowingly charging their consumers interest - and playing the odds - that we won't notice. It is highly unlikely that their computers would randomly and mistakenly charge interest as a 'technical issue '. 

The amount was minimal, but it was wrong. I should not have to contact the company, wait for 11 minutes on a chat session for a proposed resolution. I should not have to police this company to be sure that they are not taking advantage of me. 

I am awaiting a credit reversal for the interest and will need to watch all future statements to make sure that I am not taken advantage of again. 

My complaint is being filed in an attempt to avoid others, who may be less diligent with their finances, from being taken advantage of and wrongfully being charged interest where no interest is due.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

US Bankruptcy Court South Carolina Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (MD)

I get calls every day from Midland collections. Today XX/XX/XXXX they called me XXXX times. I asked them to stop. I told them I do not owe them or any other collections or credit card money. I work split shifts and am on call from my job and have been awakened all day today. Please get them to stop calling me.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent out dispute letters to XXXX and TransUnion disputing some inaccuracies on my credit report. I was not satisfied with their vague response of 'verified ' without showing any proof. So on XX/XX/2021 I sent letters requesting a reinvestigation, including the method in which the items were " verified ''. I also submitted another dispute to both bureaus, and neither has responded to neither of my dispute letters sent on XX/XX/2021. This is a violation of my rights as a consumer. I have attached to letters below for your reference.
Consumer complaint received 2019-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (CA)

In the Year 2009 XXXX first I lost my home to foreclosure and the fist mortgage was settled and home was sold. XXXX XXXX forgave the balance of the loan How ever there was a 2nd mortgage and as of XX/XX/2009 there was never a payment on the XXXX. 

Now ten years later I get a bill ( Inclosed ) from Real time solution in XXXX Texas, XXXX. XXXX XXXXXXXX XXXX Texas, XXXX.I sent them a letter ( in closed ) informing them of the Statue of Limitations has passed but they say no! 

Thanks XXXX XXXX
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

The first time she called, I told her that I needed some time to figure out when I could pay ... I was in the car at the time. I told her that I would call her back the next day, and I completely forgot. 

The second and third times, she was pleasant but getting increasing annoyed that I could not give her an answer. 

The fourth time she called, I was on a business trip out of state and in meetings all day. She was audibly angry that I was " putting her off '' and she hung up on me. She then called my wife. While on the phone with my wife ( after learning that I was in business meetings out of state ) she informed my wife that she would " call me everyday while I was there and maybe I would then respond ''. 

She calls from ( XXXX ) XXXX which my cellular network reports as " Possible Spam ''. Here are the dates and times she has called my cell phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  She called my wife 's phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  XX/XX/2019 XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I bought the XXXX XXXX  ticket from XXXX XXXX XXXX to XXXX, XXXX. I was located in XXXX, La. and XXXX XXXX  offices in XXXX, Fl. I have paid in American dollars.To purchase the ticket I used the Bank of America credit card # XXXX XXXX XXXX XXXX. The bank charged me {$16.00} foreign transaction fee because " the transaction was processed by a computer located in XXXX '', explained XXXX the bank 's employee. The XXXX XXXX office in XXXX, Fl. deny this, saying the transaction was processed " here in XXXX ''. 
I want {$16.00} back.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

I received a notice of a change to my credit report. When logging into my account I found that there was a collection action on my account without my having been notified by the bill collector that they alleged a debt to be owed by me. They did not send a letter for me to dispute the alleged debt before putting it on my credit report. A " Certified Mail XXXX  # XXXX '' letter was sent to company, So far I have not heard from them. The company is : CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2019-03-06
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: Monterey Financial Services LLC (NC)

Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solomon and Solomon, P.C. (NY)

I wrote to the company on my credit report SOLOMON & SOLOMON P C with an Account Type as collection, Status Closed and Paid. I asked them to remove this from my reports and to show me evidence that I have a contract with them. I wrote to them from XX/XX/2018 and to date I have not received a response. I would like this negative to be removed from my credit reports as it is causing a negative impact on my credit.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

According to Experian, they say I have already received my credit report and not eligible for another one. In XXXX was my first time viewing my credit report since XXXX. I will need a free personal credit report. Also l believe my information is inaccurate due to fraud. I am requesting a credit freeze to be placed on Experian Credit Report. In addition please limit prescribed offers of credit, promotional inquiries and insurance based on information in my credit report. I am looking to seek damages from violators and dispute incomplete or inaccurate information. 

Sincerely,
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (KS)

THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} NOW.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (OH)

The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Improper reporting on my report never requested credit with these companies. 

XXXX XXXX  XXXX , XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting that all of XXXX and Department of Education be lumped together and removed from my credit report. I, personally, have never made one payment. I was part of the class action suite along with the F.T.C. ( Federal Trade Commission ) against XXXX XXXX. Late payment discrepancies are not of my doing. I am requesting that all of this is removed from my credit report and that my score is more accurately reported. 
Reporting thirty three-plus negative payments over one account has adversely affected my life and future endeavors. 

PS : This is 10 yrs old!!
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (WA)

The week of XXXX XXXX, XXXX XXXX  obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX  has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.