davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC (MI)

I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$4800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt.
Consumer complaint received 2015-10-21
Product: Prepaid card — Government benefit payment card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (GA)

i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too
Consumer complaint received 2022-02-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX {$540.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: VIAMERICAS CORPORATION (NY)

On XX/XX/2024, we utilized a Money services company called viamericas XXXX XXXX XXXX XXXX XXXX  for a money order for the total of XXXX. 

We were issued a receipt of the transaction ( see attachments ) however, after weeks of purchasing the money order, the payee had still not received the funds. 

FFWD to today ( XX/XX/2024 ) and the payee still shows the payment as not having been received. And because the payment hasn't been received yet, the payee now charged us a late fee of {$10.00}. 

We've been calling and emailing the company to ask for proof of the money order having been forwarded/ received and/or cashed by the payee, but to date, they have not provided any such physical evidence. They have only verbally responded saying that " there is no hold on the money order, but that it hasn't been cashed. ''
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I originally tried to pay this bill to the hospital XXXX ( orignal owner of my debt ). I had XXXX and was waiting to get a few pay checks to get caught up. I know I owed this money, not trying to get out of that. I received a bill from XXXX and I called in ( being proactive ) and I paid my bill in full. I also asked them to make a note on my account that I attempted to pay the bill to the original debt owner ( hospital XXXX ). The lady handling my case was rude to me and called me goofy for wanting that noted. Then she hung up on me. Rude to me and calling me names when I am paying my bill in full is uncalled for. No wonder these people have bad reputations.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (ID)

This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: IQOR US INC (OR)

I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NC)

I applied and was approved for discover credit card XX/XX/2015. XX/XX/2015 Discover started a double cash back bonus promotion. Basically at your one year card anniversary the dollar amount of cash back bonus that you have earned would be doubled by Discover. So at my one year anniversary I noticed my cash back did n't double. I called Discover and asked about it They said that all card members were notified by email or by mail XX/XX/2015 giving them the chance to opt in to the promotion. I never received notification. Why would anyone turn down the chance to double the cash back? Why did n't Discover just enroll all of its eligible customers?
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (MA)

I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

i was recently told by a letter from XXXX banks that all credit cards, such as XXXX, tjmax, lowes, sams club etc ... will be adding a XXXX fee for those whom do not do paper less. 

as well as increasing the interest to XXXX annual so my question is, what happens to those whom can not afford internet, or the elderly and those in remote areas that are not able to get internet... that was me last year, i had no way of getting internet .... 

is that not discriminatory. 


to force someone to go paperless.by adding a fee if not.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account.

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Consumer complaint received 2020-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/2020 I disputed an inquiry on my credit report ( XXXX  ) with Capital One Auto Finance for an inquiry dated XX/XX/2020 but they have failed to respond. So I was able to uncover what company ( XXXX  ) the inquiry originated from with Capital One Auto Finance and obtained a document that request the removal of the inquiry.
Consumer complaint received 2020-10-16
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. (LA)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX, XXXX # # # # # # # # # # # # # # # # XXXX {$1500.00} XXXX XXXX # # # # # # XXXX {$260.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$730.00} XXXX  XXXX XXXX # # # # # # # # # # # XXXX {$1900.00} XXXX XXXX # # # # # # # # # # # XXXX {$660.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX M XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Consumer complaint received 2015-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (NV)

I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech bought our loan from XXXX and we did not recognize the new mail thought it was junk mail. We made out 1st payment as soon as re realized we had a new mortgage company 36 days late, and it was well within their 60 day grace period, however they reported us to the credit agencies anyway ( on our 1st payment ), seriously damaging out 15yr run of XXXX+ credit scores. Their envelopes look like junk mail and they know it!
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (UT)

Discover card is reporting a negative account that I was previously listed as an authorized user on. As an authorized user I am not responsible for the account in any way, yet they are damaging my credit. I have called them to dispute the account and requested them to remove it, but all they tell me is that I 'm no longer listed on the account so there is n't anything they can do about it. They placed it on my credit, but refuse to remove it. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: American Student Assistance (FL)

I had my student loans down to {$6000.00} 15 years ago and now my current balance is $ XXXX. These are supposed to be low cost loans but I 've been paying 8 % interest for almost 20 years, when interest rates have been at record lows! How can this be justified??
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NE)

I have disputed a paid invoice from XXXX  since last XXXX. My bank statement reveals that XXXX was paid in full on XX/XX/XXXX and the direct payment was cashed. I sent copies of the bank statement and a support letter from my bank, XXXX XXXX XXXX XXXX XXXX. My bank has repeatedly offered to send verification via a secure fax. XXXX  wouldn't provide a legitimate fax number and my account with them was closed. Numerous calls were ignored. 
They then turned my already paid balance over to a collection agency. Credence Resource Management. I also sent them copies of my bank statement and the supporting letter from my bank. I again offered to send them the additional information from my bank via secure fax and they wouldn't respond either. 
This paid debt was put on my credit record and my credit score dropped nearly XXXX points. I have tried everything possible and my attempts at reconciliation have been ignored by both XXXX  and Credence Resource Management. 
I can prove that the debt was paid on XX/XX/XXXX but no one seems interested that the invoice was already paid. My bank remains waiting for a legitimate fax number for confirmation..
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NY)

XXXX has collection account on my credit report for the amount of {$510.00} with XXXX adjustment services. This amount is incorrect and they're charging me for equipment that was mailed back to them in XXXX XXXX XXXX I had stopped service with them due to the fact that they were hacked and my XXXX XXXX with them was jeopardized and I had problems with my credit trying to be used since then. They are charging me for a fee that was mailed back to them for an equipment which was the XXXX XXXX and they're charging me for the last month of services which I explained to them I was not paying because due to the hack and I wanted to change services which I did I stopped using XXXX because of the breach in their contract and their service was terrible now I find that they're charging me for equipment that was mailed back and the last month of services which I refuse to pay because my personal information was breached on their end and I spoke to them about that now they're charging me and having {$510.00} which is not the correct amount it was only {$50.00} for the month service which I told him I was not paying because I was going with somebody else because of their breach of contract and the XXXX XXXX was hacked. They're charging me {$510.00} which they're saying it's the equipment and fees and last month 's service which I do not owe them. Due to their breaching contract and equipment was mailed back to them.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I should have already received my {$500.00} promo for qualified transactions and the fine Ive had the account I have contact the bank even spoke to a manager which she has horrible customer service skills, she was unknowable and did not provide a resolution. 
I should have not have to make time to contact this bank to fix their issues and when I have the bank has not been able to. Fix it. 
Its a simple issue that it should have already been fixed.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (TX)

I received an email from a guy named XXXX XXXX, that read, We're TrueAccord, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : Hello, XXXX XXXX. You have an account with XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, XXXX XXXX XXXX XXXX XXXX placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. 

I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.