davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Summit Financial Corp. (FL)

Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck  guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.
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 — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX XXXX an auto loan representative with Bank of America . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of Bank of America since 2015 so they are well aware of my mailing address. She said that BOA had my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. 
I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately
Consumer complaint received 2017-05-26
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. (SC)

I have filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.
Consumer complaint received 2021-02-26
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. (OH)

I have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (HI)

Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : XXXX XXXX XXXX XXXX XXXX Hawaii
Consumer complaint received 2021-04-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc. (MI)

In previous complaints I have addressed the inconsistency in BSI 's failure in posting timely documents for me to pay my loan. Due to the status of my loan, I am diligently trying to make attempts to resolve my account without paying the ridiculous {$3200.00} 6 month payment plan designed to take my home. In addition, the investors would be holding money earning interest on XXXX monthly. I am not giving them the satisfaction. 

In XX/XX/2021, the manager, whom I spoke with on the phone XXXX XXXX, was somewhat hostile in her tone. While I kept it professional, I really wanted to her off. The only thing she did do was finally assign me to another loss mitigator. When I asked about getting statements posted timely, I was told that was a customer service issue and she could not do anything about it. This is on recorded conversation if you don't believe me. 

Secondly, I am continually getting fees and charges that are being added to my account with no explanation and not receiving any documentation in the mail. They charge whatever they feel like. This has to stop and is illegal. As a customer, I have the right to know what is being charged. I should not have to call customer service to find out what the charge is. 

I have attached my exhibit.
Consumer complaint received 2021-02-26
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. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, I was contacted by a foreign individual alleging to have been working with XXXX and stated that I had a virus on my computer. He then provided me with instructions on how he could assist with the virus on my computer and proceeded to remote into my computer ( I have a computer log to show access on my computer ). He then told me that I would need to purchase gift cards for payment to him for fixing my computer. I then proceeded to go to various stores including XXXX, XXXX and XXXX to purchase gift cards while this individual remained on the phone with me over the course of going from store to store over hours. He deceptively had me purchase gift cards totaling {$14000.00} using my Chase credit card. I was told by the individual that the gift cards were not working so under his insistence, I continuously tried to purchase a gift card that would work, sometimes multiple cards at one store in what I thought was an attempt to find a working gift card. Through the course of all the transactions, i incurred charges of {$14000.00} over the course of a few hours. The man told me I had to stay on the phone and could not hang up. He also told me that some gift cards were not the correct amount and would be refunded back to my credit card. He continuously gave me reasons to keep trying to purchase cards. 

I am elderly and suffer from a XXXX XXXX XXXX, which is well documented in my medical records for several years. I now realize that I was naive to believe this man, but he made me believe that I would be in trouble for not paying for the services he provided to fix my computer. I was scared that I would not be able to pay him. I did not even realize by the end of the day, that I even tried to purchase that amount of gift cards. The man kept telling me the cards were coming up " not redeemable '' every time I tried purchasing a gift card and provided him the number and he told me that my credit card would not be charged since the gift card did not work. 

I filed a police report which I can provide you access to. 

I attempted to dispute the charges with Chase. They first agreed to waive all the charges but then decided to add them back on and charge me for them. They did keep {$500.00} off from XXXX since the XXXX system denied the charge. It wasnt until thousands of dollars was charged to my card that Chase finally declined the transaction. I retained an attorney who attempted to contact them but received no response from Chase. 

I have had years of excellent credit history with Chase and am upset that they would not have blocked my card sooner. If they would have blocked the card and had me call in to remove the block earlier, I would have discovered that these purchases were going through.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016
Consumer complaint received 2021-02-10
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: CURO Intermediate Holdings (OR)

There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon speedy cash in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GLA Collection Company, Inc. (KY)

GLA Collection Company, XXXX XXXX XXXX, XXXX, KY XXXX A Medical dispute for XXXX and was paid to this company-for XXXX XXXX XXXX. 
I have disputed it about six months ago and XXXX  will not remove this from my credit report as of XX/XX/XXXX. It was taken off of my XXXX  and XXXX  credit reports. 
Also, my bill is {$460.00} and was paid off during the XXXX  breach which I was a part of. 
XXXX, XXXX XXXX  to XXXX XXXX EST Mon-Friday.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

I purchased the American Express Serve card from XXXX on XXXX XXXX XXXX in XXXX, NC on XX/XX/2020 at XXXX XXXX. I gave the cashier {$520.00} to cover the {$500.00} balance for the card and also my driver 's license. Upon leaving the store I tried registering the card to use it to pay my bills, but the card wouldnt work. I called the American Express Serve customer service number and spoke with a representative and theyre telling me the card isnt activated and to return to the store that I purchased from to do so. XXXX told me theres nothing they can do after post-activation since theyve given me the card activation sheet that was attached to the receipt and to call the number on the back of the card again. I mentioned this to the serve representatives and they told me to send in further information. I was given the wrong email twice, and an outdated email and its been two weeks with no kind of resolution.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ID)

On my Costco/Citi statement due XX/XX/XXXX, I had a statement balance of {$61.00} and went online today, XXXX to pay it. After the statement closing date I had returned a couple of items, leaving a balance owed on this statement of {$14.00}. 

When I clicked on the PAY button, I was shown 3 options : Pay the minimum due of {$35.00} ; Pay the remaining amount on the statement due of {$14.00} ; Pay the total currently owed of $ XXXXsomething. 

However, when I clicked on the {$14.00}, I wasn't allowed to pay that amount. I had to pay the minimum shown on the statement of {$35.00}, thereby overpaying by {$20.00}. 

I called about this and was told by the customer rep that yes, she could easily see the problem, but that was the rule and she could only make note of it for the future. 

This is quite a scam by Citi. This forced overpayment is a small amount, and is an accounting inconvenience for me, but much more importantly, Citi is using my money and that of others for free, probably totaling hundreds of thousands of dollars per month. It isn't correct, it is a rip-off and I believe that your Bureau should make them change the practice.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have filed multiple complaints and disputes with EXPERIAN XXXX and XXXX regarding them disclosing without my consent my non public information and I have disputed certain accounts because there is no contract between myself and certain companies that are showing on my consumer report. I have asked that they stop disclosing my non public information as I have told them I DO NOT CONSENT and they continue to report they are also attempting to disclose more of my information to these third party companies by trying to match up addresses telephones number and inaccurate names that are appearing on my consumer report and giving this information to these companies that I have no agreements with in order to keep the accounts on my report. XXXX XXXX and EXPERIAN are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. Furthermore XXXX XXXX and EXPERIAN are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and that being reported on my report is another violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. In fact all debts are XXXX according to the indenture agreement that these companies filed with the XXXX XXXX. I will reiterate that I DO NOT CONSENT to income being reported to my consumer report nor do I consent to EXPERIAN XXXX and XXXX disclosing more of my information to try and help the companies reporting on my consumer report to match up addresses telephone numbers and names instead of doing proper investigations into my dispute they are simply just updating the accounts improperly using immoral and unfair tactics to ruin my ability to obtain credit which is a violation of my right to credit.
Consumer complaint received 2018-02-08
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. (TN)

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..