davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WY)

I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WA)

After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (FL)

Applied and received fidelity rewards card Received statement, bill due XX/XX/2016 Electronically paid entire amount and another {$300.00} on XX/XX/2016 Charges to card refused on XX/XX/2016 Contacted the company-was informed payment received but not posted to my account and yes indeed there will be a late fee, was informed payment may be posted for as long as 48 hours, it had been 5 days! 
I promptly closed the account
Consumer complaint received 2017-02-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (OH)

I asked US Bank Home Mortgage for their help when I was 3 months behind in my mortgage as a result of being a XXXX and not having income ( unemployment ) during the months of XXXX, XXXX, and XXXX. XXXX XXXX requested assistance resulted in a XXXX XXXX offer to pay an increased monthly payment to include the months I documented as months of unemployment ( XXXX and XXXX ). I rejected their offer to pay MORE MONEY during those months and continued to pay my mortgage during their decision process ( XXXX XXXX to XXXX XXXX ). My continued payments left me owing only one month past due, not including late fees. However, US Bank refused to accept a full mortgage payment XXXX XXXX, XXXX in the amount of my original payment BEFORE THEIR mortgage assistance offer started. Making this payment would bring my account CURRENT ; however, they refused to accept it. It was refused and returned to my bank through automatic bill pay. If they had accepted the XXXX XXXX, XXXX full monthly payment my account would be late by 30 days. Additionally, their offered assistance plan does not start until XXXX. I refused their offer since it included making payment during months I have no income. I am additionally disappointed with US Bank 's offer because they pursued evidence of my income for just 9 months of XXXX and ignored their own investigation ; they also refused to help me address more than {$1000.00} in late fees. This was help I could have received without a 6 month wait. I could have achieved their offer in one phone call. I SENT A LETTER TELLING US BANK HOME MORTGAGE THAT I DID NOT WANT TO ACCEPT THEIR OFFER OF HELP FOR THE ABOVE REASONS.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (NJ)

US Bank is knowingly and intentionally, providing miss-information to run up an accumulate late fees. Every time a called in to make a payment I was being told that there was not late fee due. Now at the end of the contract, I am being billed a total sum of late charges as part of " termination charges '' along with a termination fee. I believe this to be a calculated process to increase fee income and is unfair to consumers and fraudulent. At no time was I ever billed or asked to pay a late charge during the life of the loan.
Consumer complaint received 2022-08-04
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. (TN)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I had a vehicle on lease through Ally Financial. I paid the bills on time, and turned the vehicle in on time, under mileage, and with no damage. Ally 's inspection shows damage that was n't there when I turned the vehicle in. I had to continually XXXX them down to get a response to my complaint. It finally took several calls, and a letter to their CEO to get someone to respond to me, but even then, they would not accept my best evidence ( a digital photo which they would n't accept through email ) as to the fact there was no damage upon turn in. They reduced the amount owed, which I paid, to avoid damage to my credit rating, but there was no opportunity for arbitration, or appeal. There was no process whereby they would respond to me proactively -- except to collect money. The inspection process was clearly set up as a yield enhancement for Ally, and had nothing to do with diminished residual value, as they we looking for scratches under the hood. There was no evidence of chain of custody of the car after turn in. There was no way to provide my best evidence of no damage. There was no independent appeal opportunity. There was no single point of contact to deal with. There were no return calls without my initiating the call.
Consumer complaint received 2016-06-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RR Resource-Recovery (NY)

I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX, what is the card you would like to use? '' to which I responded : " is this call recorded '', XXXX answered, " no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however, he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes, so I asked him why did he not state the original creditor name, to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name, and he replied that he will not because his office services " local accounts ''. I proceeded to ask XXXX why he failed to read me my miranda rights as required by the FDCPA to which he angrily and loudly responded : " I 'm transferring you to my supervisor '' and he transferred me to a voicemail for a woman. I left a voicemail. 

XXXX violated the FDCPA multiple times during our interaction : 1 ) Section 807 - False or misleading representations. XXXX did not disclose that he was a debt collector collecting a debt. This is false representation and deceptive means to collect a debt. 

2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector, and that his communication was an attempt to collect a debt, and that information obtained would be used for that purpose. 

3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) using the business name " Law Office of XXXX XXXX XXXX XXXX '' ; however, the company 's true entity name is " RESOURCE RECOVERY ''. Resource Recovery is not now, and has never been, an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates (MD)

The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

On XX/XX/2016 I went in to pay auto loan payment. I pay {$470.00} each month I pay XXXX because I wanted to catch up on 1 late payment and pay a payment coming due on XX/XX/2016. I informed teller that this money is to cover 2 payment. I got a call from bank telling me I had not paid payet for XX/XX/2016. I informed worker XXXX that made payment on XX/XX/2016. She tells me I was behind 2 payments so payments went to XX/XX/2016 and XX/XX/2016. I requested payment query, because I knew I was only behind one payment. I also went branch for print out, but they told me it could be printed out. 
On XX/XX/2016 I finally received print out via US mail. 
Print our confirms my thoughts of bank applying my payments incorrectly, and that I was only behind 1 payment as I thought. I called customer service, they told me I had to go I bto branch. Bank has lied, told me they could n't fx, and have given me the run around. The transaction they performed keeps me behind and I can be charged {$47.00} each month. I finally was able to pay 2 months so I would not charged {$47.00} late fees each month.
Consumer complaint received 2017-01-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (NC)

I had XXXX XX/XX/XXXX. XX/XX/XXXX, after insurance payments had been settled, my doctor 's facility billed me for {$3600.00}, which I believed to be in error. XX/XX/XXXX I contacted his office and spoke to the billing department and explained that because the doctor was in-network I expected to pay only my {$500.00} deductible. They agreed that I was eligible for the in-network rate, that I owed nothing to the facility, but instead I owed {$340.00} to the doctor to meet the remainder of my deductible. On XX/XX/XXXX I received this revised bill for {$340.00}, which I paid in full on XX/XX/XXXX. 

XX/XX/XXXX I noticed a collections account reported on my credit report for {$3600.00}. I had not recived any communication from this debt collector prior to the notice appearing on my credit report. I contacted the credit bureau for the debt collector 's contact information. I called them, explained this situation, and provided documentation. They are claiming that I still owe the original {$3600.00} which the doctor 's office billed in error. I attempted to resolve this with the doctor 's office directly, but the doctor has since moved and that office is no longer open.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

It is impossible to contact Equifax , After many hours, many phone numbers, I can not speak to a person. I have had this problem for years and something has to be done. They have sent my report to the wrong apt XXXX number, I never receive it, I do n't know who has it. There is nothing I can do about because there is no one to speak to. I called again today XXXX/XXXX/15 gave them all the information for my report, but they did not ask for my apt number, so now my report will go " i do not know where '' Something has to be done about this company, it should be mandatory that a number is available to people to call.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from XXXX, Equifax, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my XXXX report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from Equifax dated XX/XX/2022 pulled directly from Equifax website, Equifax is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (NJ)

I had a loan through West Lake Financial Services. Around XX/XX/2013 the car was repossessed. During that process while attempting to find me to take the car Westlake Financial called and harassed my family members, specifically my grandmother on a daily basis and threatened that you guys were going to sue me. They also called many other family members and told them about my debt ( which is a violation of the FDCPA ). They also called me at my work constantly. I told them that i was not allowed to receive phone calls and i could get in trouble, which i did get written up for. They also talked to my supervisor and told him that i owed a debt and that they were going to serve me at work. ( another violation of the FDCPA ). They never sued me for the alleged deficiency balance which i still do disagree with. Threatening to take an action that you do not intend to take or that is meant solely for the purpose of harassing is a clear violation of Federal law as well.
Consumer complaint received 2016-01-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: High Point Asset Inc (FL)

My husband got a call from High Point Assets inc, about some payday loans that I have n't aplly for or received any money from.When I tried to call the agency a lady with the name XXXX, talked to me with a very bad, rude attitude, and told me about those payday loans.And when I was trying to explain to her that I did n't apply for any of those loans, she was trying to interrupt me, like I was stupid and I did n't know what is going on.I also told her to send me by email those " creditors '', so I can see who are these people.They sent me XXXX pages with the pay day loans from XXXX through XXXX .First creditor is XXXX for {$510.00} dollars, second amount {$400.00}, XXXX is {$430.00} and the fourth amount is $ XXXX.They also are calling at my house phone and my husbund 's cell but not me that its my name on the papers.I did a little bit research, and it looks like they are artists scammers.I never took nor I apply for those payday loans and I despude ALL THE CHARGES
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (IN)

Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (CA)

The chase auto financial repossessed my vehicle on XXXX/XXXX/16 because of my late payments. I got fired on XXXX and could n't get a job for XXXX mon. On XXXX/XXXX/16, I talked with XXXX of rep. regarding the reinstatement. I had to pay {$2300.00} by XXXX/XXXX/16. At that time I have just started a new job so I asked him if I could get some more time, he repeated answer " we ca n't time arrangement ''. Till XX/XX/XXXX2016, I tried to gathered money but could n't. I was giving up but my mom borrowed money for me on XXXX/XXXX/16. I called to the chase if it is too late to pay, the rep. denied because due date is already passed. And blamed me that why I did n't request the extension when they sent me a notice. I have never receive the notice. Also I do n't even know there is the notice they should send me after the repossession. So I requested them a copy of notice they sent me. It says I have the right to request the extension. I feel this is so unfair. I lost my right because they failed to give me a notice. If I receive the notice I could request the extension and I have the funds two day after the due date, I could get a car back now.