davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc. (MA)

I delivered my daughter on XX/XX/XXXX. On that day I switched my medical insurance from an individual plan to my spouse's plan as his dependent. The creditor in this case - XXXX XXXX has I believe billed my previous insurance and failed to bill the new insurance. This was then send to the debt collection agency - XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXSUITE XXXXXXXX MA XXXXREFERENCE :ACCOUNT NO – XXXXCREDITOR : XXXX XXXX ACCOUNT NO – XXXXSERVICE DATE –XX/XX/XXXXAMOUNT DUE – $ XXXXI subsequently called the XXXX XXXX department and spoke to XXXX who says that on checking the bill was paid by the prior insurance and should not have gone to collections but was not able to help me with the collection agency and proposed I call them myself and sort it out. I called XXXX XXXX who said I should call XXXX XXXX and sort it out.Meanwhile I keep getting collection notices from XXXX   XXXX  XXXX XXXX. I fear undue effect on my credit score for no fault of mine.I believe that either XXXX XXXX  failed to bill the right insurance within the right time or the bill was paid as I was made to understand and still went to collections. Kindly help.Thank you.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was scammed by XXXX in XXXX. I disputed with the company that I was unhappy with the products. I had trade assurance which allows me to have a refund within 30 days of delivery of the products. The company did not honor this so I then disputed with my bank capital one. They reviewed it and denied my case in XXXX after I submitted evidence. I then resubmitted evidence in XXXX proving that my case in XXXX shouldnt have been denied and it was denied based on time being past 90 days. Capital one failed to give me my money back in XXXX as I was scammed and I proved I had trade assurance which XXXX did not honor. They sold awful products and broke the contract. Capital one did not help me even though I have proven the case. I am owed my money back.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc (IL)

Eastpoint Recovery Group , Inc informed me via letter dated XX/XX/2021, that an alleged debt had been sold to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by XXXX XXXX XXXX fall under UCC 9-110 under Article 2 or 2A?
Consumer complaint received 2021-05-08
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. (IL)

A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to XXXX at the XXXX XXXX, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information.

I didn't have any progress so I filed a XXXX report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / Experian team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent XXXX  account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC. (NV)

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.
Consumer complaint received 2021-12-03
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CA)

This is my fourth complaint for the same matter. I purchased a car from XXXX in XX/XX/2021. The financing was provided by their sister company, Bridgecrest. I paid off the loan in late XX/XX/2021and I still do not have a title. Please don't close this complaint until the matter is resolved.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I paid my Capital One account in full in XX/XX/XXXX. In XX/XX/XXXX Captial One charged a membership fee of {$39.00} but failed to notify me that the charge had been made or that I owed the amount. 

Capital One continued to charge late fees & interest on top of their membership fee until the card accrued a balance of - {$150.00}. 

On XX/XX/XXXX I received notification from XXXX that there had been 8 recent inquiries to my credit report which prompted me to immediately check my credit cards for unauthorized charges. 

I logged onto Capital One to discover that not only had they charged my card as detailed above, but as of XX/XX/XXXX closed my card. 

After discovering the charge I reached out to Capital One however, they were of little help & continued to repeat that the card had been closed. 

Between XX/XX/XXXX and XX/XX/XXXX Capital One sent no notification that my account had a balance or was past due. Instead they chose to close the account which could potentially have a negative impact on my credit score. 

I have attached an activity summary between XX/XX/XXXX & XXXX that illustrates what I have outlined above. 

I feel that I have been treated unfairly & furthermore that, through no fault of my own, my otherwise good credit history has been tarnished.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was trying to buy a house and my trans union credit score randomly dropped 83 points due to a credit card balance transfer. I thought the trans union site would be the best place to resolve this problem with trans union that did not occur on XXXX or XXXX. Once on the website transunion.com I was directed to create an account. I thought this was normal, but then it asked me to enter a credit card. It did not disclose what the credit card was for, but it did not appear to be selling any thing, there was no service or price apparent anywhere so I assumed the credit card information was for identity verification. I created an account only to find that not only was I charged {$24.00} I was subscribed to a monthly service that would charge me every month for {$24.00}. How could this be? How could the entity that determines if everyone in the country is credit worthy use deceptive and crooked business practices and not be held to account for them. I cancelled immediately, but could not erase the initial charge. There is something very wrong here that should be investigated. Trans Union can not be both the arbiter of who is credit worthy and robbers who trick people with deceptive business practices. XX/XX/2021
Consumer complaint received 2020-09-08
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a XXXX day late payment reported for XXXX XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

Applied for a refinance, at their request, with Freedom Mortgage of our current mortgage that they had done 2 years ago. We were unable to communicate with them most of the process due 3+ hour hold times and no response from emails. They missed the original lock period because they failed to be able to complete it. They then extended the lock, but failed again to be able to close it in time, although all items were provided to them timely. We tried many times to call but were unable to get through. Emails went unanswered. Approximately 1 week after the 2nd lock expired, they called and were ready to close. Upon review of the docs, they were asking us to pay 2+ points, amounting to approximately {$13000.00} in closing costs. There was no discussion with us regarding this fee. Fortunately, I have experience with mortgages and reviewed the redisclose docs and noticed that they added the points and fees with no discussion with us. When we spoke to escalations, they would just leave us on hold for 2-4 hours while they researched it. After hours on hold, they would hang up. After many calls, being on hold for over 20 hours, we gave up trying to get speak to them.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was searching for a vehicle online and was redirected to a page where I asked about a vehicle and was answered by email as I told them I was interested I a sent a invoice where to send the money I sent the money XX/XX/2021 and then it was turned out to be a scam
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

The Platinum Amex card gives a {$50.00} credit every 6 months for purchases at XXXX XXXX XXXX. After confirming my card was enrolled, I made a qualifying purchase on XX/XX/XXXX. 

For separate reasons, I contacted Amex on XX/XX/12 in order to close my card. This was the last possible date where I could close the card and still receive a refund of my Annual Fee. 

Despite the fact that I met the criteria for my {$50.00} reward, the company refused to give me the credit before my card was closed. They also refused to give me a different, general purpose credit ( which they have done multiple times before when other rewards like the XXXX benefit were not functioning correctly, or as a general apology for poor service ), and they refused to extend the date that I could cancel the card and still receive a refund of my annual fee. 

The net result is that Amex has not provided a stated benefit of the card, despite me fulfilling the spending obligation and contacting the company to try and resolve the issue - I was even flexible with 3 different acceptable alternatives. I am now contacting the CFPB for what UDAAP issue
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NE)

I applied for a Fortiva credit card back in XXXX. I received a credit line of {$3000.00} and charged XXXX for a purchase. I then went in and set up auto pay. Every time they try to debit my account, they reverse it the same day, according to their website. Then I start getting phone calls from collections. The first time this happened I thought it was a fluke thing so I paid {$60.00} directly from my checking account. This is the same account I used for auto pay and I have over {$5000.00} in my savings. I did have money in my checking but if they were to tell me that is why it was reversed, I have my account set up to debit my savings. If you need proof of this I can provide it. 

This happened again when my XXXX payment were to come out. I get a text message they they are debiting my account per my auto pay instructions. Then at some point, on their site it says the same day, it gets reversed. When I called they said it wasn't the same day it was several days later. Regardless I don't know why this is happening. And I do not receive a text or email that the payment had failed either. 

I called them on XX/XX/20 at XXXX. It sent me straight to collections. When they answered they could not look at any details on my account until I paid my {$60.00} in full. I told them as a consumer I want to know what is going on with my account because this is starting to feel like a scam. They refused to give me any information. I asked for customer service. They said I was unable to reach customer service since my account was overdue. So they could provide me with zero information until they were to get a payment. I'm happy to pay my bill, my credit is good and I don't have any past due payments. But as a consumer, I demanded more information before I made a payment. She refused and would not give me a supervisor either. She said she had to submit a request for me to get to a supervisor. 

My complaint is that they are not able to provide me information with why this is happening but expect me to keep making payments. Will they start charging fees? I'm still having to pay interest on the amount. Will this be reported and will my credit go down? I don't know but I will certainly close my account when it is paid. This seems like fraudulent activity to me.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (WI)

In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the XXXX XXXX XXXX. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted Consumer Portfolio  Services On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.