davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ XXXX
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX application for a loan was submitted to XXXX a credit report was provided by Experian with a FICO XXXX score of XXXX reported back However this is a major difference in the score that is published on the web site. Experian web site for which I am charged a monthly fee for monitoring my credit reported a XXXX score of XXXX. I feel that this is a the very lest is false advertising and also hurt the possibility of me obtaining the lower interest rate. I also obtained my report from XXXX and XXXX each of these reported a FICO XXXX score of XXXX and XXXX. I would like an explanation of how a difference of over a XXXX points and be reported to a lending company and not reflect on the web site.
Consumer complaint received 2017-02-28
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc (VA)

An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

This complaint is not about items on my credit report. Experian has my credit score fluctuation up and down XXXX points during the course of every month and has done so for the past 6 months. I inquired about the fluctuation because there has been no change in postings on my report in months. I was informed that I have one credit card account that has a recurring {$26.00} balance that I pay off every month is the cause. This explanation was based of their FICO Score XXXX model. There solution was not to pay off the credit card each month. The problem with that solution is that I incur a {$37.00} fee if I do not pay off that small balance. This solution is not workable. There was no other explanation. I suggested to the representative that this did not make sense. If she was indeed correct I was being penalized repeatedly for responsibly using credit. She said there was no other explanation. If you could assist me in correcting the problem or getting a reasonable explanation as to what is happening I would very much appreciate it.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IN)

In XXXX we realized that funds were missing from our personal bank account directly after making an automatic payment online for our vehicle payment. We were alerted by our bank to the fraud caused by Ally Financial 's payment processor and advised us not to permit payments through their online system. Then we received a letter from Ally Financial stating that we were victims of identity fraud and financial theft due to a breach in their security system and online payment processing. The automatic payments were cancelled and I attempted to go online and authorize individual payments after that and each time it would not allow me to make a payment or the website was down and I tried to call Ally each time and let them know that I had attempted to make a payment. I was told that the system was being updated and to be patient. Now that they have refused 3 payments they are claiming the vehicle is in repossession without any written notice nor ability to make a payment. I even called 3 times this past week and tried to pay the account in full and the payment was stopped by XXXX XXXX for ANOTHER report of FRAUD! The customer service rep from XXXX Bank told my parents that Ally has been flagged for fraud by the FDIC and they recommended finding another lender. I am now working to trade the vehicle in and obtain another loan with a different financer.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Garcadia Financial LLC (NV)

I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. 
I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (PA)

ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc.

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: B9, Inc. (ND)

XX/XX/2023 {$3300.00} was supposed to b put in my acct instantly by XXXX XXXX  to B9 and neither company had given me a refund or deposited my funds. Also B9 is charging me XXXX for external fees for no reason
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX
Consumer complaint received 2017-05-20
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: Experian Information Solutions Inc. (NJ)

I have sent documents numerous times to  XXXX , Experian, and  XXXX  and they still refuse to correct my credit reports. The following Loans have been off since  XXXX   XXXX ,    2017  and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on  XXXX   XXXX ,  2017 :  1.  XXXX  - acc ount number  XXXX  amount paid {$2200.00}  2.    XXXX  - accou nt number-  XXXX  amount paid {$5400.00}  3.    XXXX  - account number  XXXX  amount paid {$5500.00}
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (IL)

Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (CO)

To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor
Consumer complaint received 2019-05-11
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. (IL)

I sent letters requesting method of verification for erroneous items on my credit report. I ask for specific responses as well as details of proof an investigation was conducted. I was completely ignored by the company, and my request was not fulfilled. Furthermore the erroneous items on my credit report remain.
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AZ)

XXXX XXXX XXXX  mistreated me by increasing my increasing my rent charge every month. I inform them that I'm now on XXXX with limited income and they stated it was not their problem. They lied to the courts which I had to straighten out by showing the correct documents. I'm still on XXXX with a limited income. I have documents regarding this issue.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (NH)

XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (TX)

I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (GA)

I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough.