davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Resources (OK)

Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.
Consumer complaint received 2016-02-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation.
Consumer complaint received 2015-06-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I went through court to fight my ex husband from termination of maintenance and won case with my lawyers help. I was suppose to receive a check on XX/XX/2022 so I made plans to have some creditors get automated payments that day. Well check didnt come so my mother and I wrote check from her bank account to cover these bills so they wouldnt bounce. Well payment didnt come till XXXX and then her bank didnt honor checks ( we planned on having money to put in that account too out of ex husband check I received {$2000.00} x 2 and {$5600.00}. Everyone was paid but now bank has account on hold for risk fraudulent activity. My ex husband just stopped payments without notice in XXXX my credit and all accounts are closed and Im left with out credit and bank accounts and owing about XXXX to bank accounts and creditors too. Im XXXX and very sick with XXXX  and XXXX and on XXXX prescriptions I can not handle this stress on top of what last 9 months I went through. Now Im getting terrible calls and bank has collection agency pursuing money and they wont release any so I can pay bills please help and if I did something wrong Ill make it right!! Theres hold on my account!
Consumer complaint received 2016-03-05
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/ I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the XXXX XXXX XXXX XXXX XXXX that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including XXXX, XXXX and Transunion to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX  AS WELL.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Deep flaw in banking system, someone should take action to fix it. 
My checking account in XXXX XXXX ending with XXXX, was compromised and fraudulently some one withdrawn approx {$6000.00}. 
flaws in banking 1. if someone get your account number & checking number can initiate direct electronic withdrawal?? why there is no two step verification, if someone trying to do so at fist time?? 
why there is no confirmation process when large amount withdrawal is initiated 2. Errony, when I noticed some unauthorized is trying to link my checking account, i immediately informed bank to stop this merchant to make any transaction, but they failed!! link happed on XX/XX/XXXX and withdrawal done on XX/XX/XXXX. 
Why bank is not accountable for its carelessness, in spite of being reported promptly, they let fraud happed?? who is bearing cost of such flaws in system?? taxpayers?? 

3. Response from bank on next day XX/XX/XXXX - They take 3 days to block any merchant,, BUT can allow withdrawal in one day???? - this is totally unreliable, system 4. no 24x7 customer care- if someone want to complain about fraud- it can happen any time of the day 5. it was hard to explain agent - how to look for signs of fraud - being IT guy I know these, but unfortunately, they were not. 
6. Bank have no clue who has withdrawn money, which account number, location of merchant?? 
how it is possible?? if so it very dangerous to keep money in any of XXXX XXXX?? 
7. they just have a name of merchant - XXXX XXXX XXXX XXXX which I can see online 8. since when XXXX started steeling money directly from accounts - I have to relation with XXXX, why this type of common sense alert is not in banking system??? 

9. I have yet not received any money back- bank says may take up to 10 days -- - why do i suffer on bank failure?? who will be responsible if I dafault on credit card payment, or any other due??? 


Looking forward for clarification on above points, and let me know if there safe bank exist
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (TX)

This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for the CapitalOne XXXX XXXX credit card on XXXX XXXX XXXX and was promised " {$200.00} Cash Back after you spend {$500.00} on purchases within 3 months from account opening. '' I just complied with the above terms but a CapitalOne representative on the phone told me that what I applied for was declined and an " accomodation '' term was offered. The gentleman stated that the terms I accepted did not have the {$200.00} Cash Back offer. 

I do not recall being offered alternative terms when I applied for this credit card. I have a XXXX XXXX XXXX on XXXX and XXXX on XXXX. I would like a full explanation of ( 1 ) why I was denied the initial terms, ( 2 ) how the " denial '' of the initial terms were communicated to me, and ( 3 ) how the " new terms '' were clearly communicated to me to give me adequate notice that the offer was an alternative to what I initially applied for. 

My concern is that the business practice of the above is akin to deceptive advertising and something similar to a " bait and switch '' of the initial offer.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid
Consumer complaint received 2023-03-16
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: ID Analytics, Inc. (KY)

XXXX and its affiliates Sagestream XXXX XXXX  Have been holding and storing my personal and private information without my written consent. 

They have been communicating with XXXX XXXXXXXX XXXX In Regards to my personal information without my consent this is against the law Under USC 15
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AE)

I have been trying to settle a debt that is shown as a " charge-off '' on my XXXX Credit report with Citibank ( Best buy ). I have attempted to settle the debt numerous times now ( at least XXXX ), always speaking to a different representative but as we get further into the conversation before the actual settlement agreement is stated, I assume the call disconnects or the operators stop responding. 

Phone number called : XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (OH)

Fraudulent accounts and Inquiries appearing on credit. 


1. XXXX XXXX XXXX {$580.00} 2. Dept Of EducationXXXX {$9400.00} 3. Dept Of EducationXXXX {$4300.00} 4. Dept Of EducationXXXX XXXX
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. (NJ)

XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-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 ( XXXX ), 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. 

( XXXX ) 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 ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2021-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WV)

On XX/XX/2021 I called Navient to get some information about the co-signer release program on my loan. At one point in the conversation, I was told incorrectly that my loans were in an interest-only payment status, which was news to me and I have never signed papers to place my loans in an interest only payment plan. I still am unsure if my payments are interest only or principle and interest. The other issue is that I am trying to find out how to release my co-signer. This loan was advertised to me and my co-signer as being a short-term obligation to co-signers. The main ad says, after so many on-time payments the co-signer is released. However I have read that almost nobody has ever been released in this program. A XXXX  in Washington State has now ruled that Navient did mislead consumers about " co-signer release '' and that the actual requirements are changing, and completely up to the discretion of Navient and not at all as simple as making " XXXX on time payments ''
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the fair reporting act, this creditor has violated my rights. Under 15 U.S. C 1681 section 602 states I have rights to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My family and I have received threatening calls and messages about authorities come to arrest me at my job.
Consumer complaint received 2022-02-07
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. (NY)

Equifax, XXXX, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my XXXX XXXX on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard Bank just closed XXXX of my credit cards for no reason. I had accumulated rewards with them through spending and now it 's all gone. Specifically, I had a Barclay Arrivals card where I was supposed to get travel rewards and a Choice Privileges card where I was supposed to get a XXXX bonus points on {$10000.00} annual spending per year.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (TX)

I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in equifax and XXXX. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NH)

On XX/XX/XXXX I was hospitalized with XXXX  and I had my last payment of an XXXX month no interest promo on XX/XX/XXXX to community bank. I missed that payment cause I was in the hospital and unable to get on to pay my bill. Now Ive called and tried to pay my final bill which should be around XXXX $ and they are trying to charge me around XXXX $ for deferred interest Ive never missed a payment or had any late payments and theyre unwilling to help me
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

Made final payment on two separate accounts with XXXX XXXX XXXX. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers
Consumer complaint received 2015-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Skagit Bonded Collectors, LLC (TX)

XX/XX/XXXX, I discovered that I have been a victim, and continue to be, of identity theft. over the course of the past nine months, I have had to dispute ( as fraud ) a plethora of trade lines, liens, foreclosures, collections etc. through all three of the credit reporting agencies ; XXXX, XXXX and XXXX. As of today, there is still a few companies left that vehemently refuse to remove my fraudulent debt with them even after numerous calls, over 20 x 's disputing with XXXX even though it has been indisputable that these collections are of a fraudulent nature. The name of the company is Skagit Bonded Collections. 

After speaking with them numerous times, it appears that these XXXX collections are medical bills that were apparently charged from a hospital in a town our county to which I have never frequented. even though I was a resident in the state of Washington from XX/XX/XXXX - XX/XX/XXXX, the name and previous addresses that they have on file do not match me. I have never lived at either of the addresses they claim and the debts are apparently under my name with the suffix of XXXX attached. I have sent them and the reporting agencies my passport, driver 's license, social security card and proof of current address to no avail. They continue to insist that this debt is mine and subsequently each time they report such to XXXX, it then changes my name to XXXX. I have disputed these collections every few weeks for the past 8 months and it still sits on my credit report.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.