davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)

I was charged by XXXX XXXX XXXX XXXX XXXX XXXX for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX XXXX ( 1= {$990.00} ; 2= {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing XXXX simply kept sending duplicate copies of their bills. Eventually they turned XXXX billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first XXXX billing only. I still have absolutely no idea what " services '' these people performed during either one of my XXXX visits that would substantiate these charges ( that are over and above what the hospital XXXX charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported XXXX of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MS)

I used my credit card with XXXX yesterday. I was scammed. They got into my computer and locked it up. I called the no. on the computer and they said I had viruses on my computer and I had been hacked my foreign countries. Said they were the only ones that could fix it. Dumb me, fell for it to the tune of {$290.00}. XXXX. is what is showing up on my credit card, but I was talking to someone who said they were XXXX XXXX, tele # XXXX. I researched them, and they are definitely a scam company. Hope they have not ruined my computer. I need your help.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NC)

An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (RI)

I had a lease with GM Financial which was expiring in XXXX 2015. Beginning in XXXX, 2015 I received numerous calls and letters from GM with several offers to return the car earlier than XXXX and leasing a brand new vehicle. I accepted an offer from GM in XXXX, 2015 and returned the car and leased a 2015. The offer I accepted was GM would cover XXXX lease payments up to {$3000.00} and XXXX cash allowance towards new purchase or lease. I owed XXXX payments to GM@XXXX totaling XXXX which was well below the XXXX max. It is now XX/XX/XXXX and I keep receiving invoices, phone calls, etc from GM requesting the remaining payments on the original lease and late fees. I have called GM and the dealer, XXXX 's Buick in Massachuetts and both keep responding that all is ok so why do I keep getting these invoices. My perception is GM is not honoring their commitments and overcharging their customers.
Consumer complaint received 2017-02-20
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (CA)

USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.
Consumer complaint received 2015-05-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FISHER FINANCIAL GROUP, INCORPORATED (CA)

I applied for a refinance of my home mortgage with XXXX XXXX XXXX ( company based in Arizona ). I started this process in XXXX of 2014. To date, they have failed to complete the transaction. There have been multiple issues along the way. First, I was told that I would be able to combine my XXXX and XXXX mortgage at a rate of 4 %. After being told that, I started the application process. Shortly after that, I was told the combined loan was not available because I have made a withdrawal from my Home Equity Line of Credit ( HELOC ) in the last year. I had disclosed that fact prior to this time and I was told that an exception would be made because the overall balance on the line of credit had decreased over time ( in other words, I had paid back more on the line that I had taken out ). Even still, I was denied the original offer ( made by XXXX XXXX ). We then proceeded to refinance my primary loan to a rate of 4 %. During this process, there were delays on the part of XXXX XXXX XXXX. They failed to clear their own XXXX XXXX in a timely fashion that resulted in the appraisal of the subject property to expire. By that time, the lender in question had rescinded their offer of 4 %. Instead, a rate of 4.25 % was offered. I was then told that a second lender ( XXXX XXXX ) had offered to refinance the primary loan at 4 %. The process was started again, with a XXXX appraisal. As of today, I was told that upon final review before closing that 4 % was no longer available. Again, I was offered 4.25 %. 

The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan?
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (GA)

I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires
Consumer complaint received 2023-03-22
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Consumer complaint received 2021-11-29
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: JPMORGAN CHASE & CO. (TX)

I purchased a flight through Chase Ultimate Rewards Travel using a combination of points and my credit card - the price of the flights were close to {$3000.00}. 
My flight was supposed to be to XXXX in XX/XX/2021. My flights were CANCELLED by the airline due to XXXX being closed to tourists because of Covid-19. 
XXXX XXXXXXXX XXXX  website says that I am eligible for a full refund in lieu of flight credits : XXXX XXXX XXXXXXXX Chase Travel has also reached out to me multiple times saying that my flights were eligible for a refund, and that they are working on it. 

Today ( XX/XX/2021 ), I received an email saying I am no longer receiving a refund and that I am only eligible for flight credit. 

I am LIVID. This process has been the WORST customer service experience I've ever had. The Travel agents do not understand my situation, frequently tell me incorrect information, and I've had to waste hours and hours of my time calling back. I have been trying to get this refund since XXXX. Chase Travel has in the past told me it would take 45 days to get a refund, which turned into 6 weeks, which turned into 12 weeks, which turned into indefinitely, and is now " you're not eligible for a refund. '' If this was a normal credit card purchase through the airline directly, I could've already disputed this charge or could have worked with the airline directly to get a refund. I feel scammed and I know Chase has ROBBED me of {$3000.00}. 

For anyone thinking about using Chase Ultimate Rewards Travel portal for any purchases, DO NOT DO IT. It's not worth having to deal with the agents or any hassles that might pop up.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TN)

A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

CFPB, I am at the end of a 5 year XXXX XXXX. Payments have religiously been made by the trustee. Bridgecrest had applied multiple late fees even though I am 2 months ahead on payments. I paid the 1st 2 months of payments as it takes time for the trustee to adjust to the new lender. The trustee made the same 2 payments 90 days later and every payment since. There is also a balance showing for interest in the amount of {$130.00}. How is this possible if all payments have been made? The most recent trustee payment that should have posted on XX/XX/XXXX is missing. That payment should have been for {$320.00}. Bridgecrest did see the payment was received from the trustee. 

I am not sure why payments for the trustee are being changed around? Last month, the XX/XX/XXXX payment was changed 4 times. Management gives vague answers that dont make sense. We will look in to this. It never happens. The late fees are still on there from the last complaint I filed after they damaged my credit report. I, again, was 2 months ahead when the late marks were posted to my credit report. 

There customer service and accounting practices are pathetic. These types of issues are commonplace with Bridgecrest, but they are allowed to operate like this. It is time you take a look their business practices. 


XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc. (MT)

This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.
Consumer complaint received 2016-01-22
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc. (TN)

I have a ADP TotalPay card for my paycheck that is direct deposited every week. I used my card on XXXX/XXXX/2016 to pay {$20.00} to XXXX on my credit card bill and I had a larger balance showing that the payment was received. The payment posted within 48 hours but I tried to use my credit card on XXXX/XXXX/2016 and it was declined. I came home and pulled up transactions and it shows that the payment was returned. I called XXXX and they told me that the payment was not sent from my financial institution. I puledl up the transaction history on ADP and there is no record of this transaction at all, not even showing it was declined, let alone going through. I checked the payment history on XXXX and the payment posted on XXXX/XXXX/2016 from XXXX XXXX Bank with confirmation number of # XXXX but ADP is saying there is no transaction for this date. I was on the phone for about 3 hours trying to get it resolved and all they told me was they have to investigate it and it will take 1-5 business days to find my {$20.00}. I am extremely irate at this point ... it did n't take them 1-5 business days to not send my payment. Please help me.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again from my credit report.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.
Consumer complaint received 2022-08-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinebrook Holdings, LLC (IL)

Date Incident Occurred : XX/XX/XXXX The Debt Collector : St Louis Loan/PH Financial Services LLC This debtor did not give me a written notice or receive pre-authorization to run an debit/ACH from my checking account TWICE in one day. I called the company to see why they had did the double withdrawal from my account and her reason was because I did not answer my phone ( it was off, I can obtain proof ) she said " if it goes through for the payment due the due date ( XX/XX/XXXX ), we push through another payment for any past due payments ( XX/XX/XXXX ) '' meaning if I were behind 3 payments she would have ran 3 different debit/ACH 's on my account which is highly illegal. Since I was only behind 1 payment when on the due date she ran 2 debit transactions on my account for payment due and past payment due. The company did not ask to rectify by sending payment back. I had to call my bank and authorize a stop-payment on this merchant/debtor and have the 2nd debit transaction reversed. The company called me approximately XX/XX/XXXX letting me know they had received the STOP-PAYMENT request and the reversal claim from my bank and told me I would not be able to obtain a loan with them ever again without authorizing them to ACH from my account. She also asked me to cancel the reversal claim with my bank ( because they could not dispute the claim ) it was not authorized and they had no oral or written authorization from me. She then threatened me calmly about garnishments that could potentially be sent to my place of employment.