davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Heritage Financial Group, Inc. (IN)

I received a court order around XX/XX/XXXX. The name of the original company was Heritage Acceptance Corporation. The collection agency, Attorney XXXX XXXX XXXX, XXXX, was now suing me for {$5700.00}. I called Heritage Acceptance Corporation immediately. They told me the debt is dated back to XXXX. I told them that I dispute it. I then called my state 's attorney general 's office and they said they had never heard of anyone going back that far to sue someone for a debt. Then, on my court date, XX/XX/XXXX, I disputed it again. They totally ignored my response and a garnishment of my wages was granted on XX/XX/XXXX. The statute of limitations to collect on auto loan debt in the state of Indiana is 4 years, however, a judge granted it.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I applied for a XXXX Credit Card. 

I never received the Credit Card. 

On XX/XX/XXXX I received a call from XXXX that i had an amount not paid in a XXXX credit Card. for US {$58.00}. I informed them I never received any Credit Card and I didnt have any amount pending to Pay. 

On XX/XX/XXXX my XXXX-XXXX XXXX XXXX XXXX informed that an EQUIFAX CREDIT REPORT has shoing an unpaid amount to XXXX  for US {$140.00} in a XXXX Credit Card I called XXXX and explained the issue that I never received The Credit Card that I applied for. They verified in their records that the credit card was Sent to a rong address and a fraudulent amount for US {$58.00} as charged. They fixed the issue. 
However the Equifax credit report still shos and XXXX unpaid amount. of US {$140.00}
Consumer complaint received 2023-06-08
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: ALLY FINANCIAL INC. (TN)

In accordance with the fair credit reporting act this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ORG GC GP BUYER, LLC (MI)

GC Services LP/ Michigan Department of Treasury Collection Services Bureau . Has repeatedly abused their power regarding " alleged '' taxes I owe. I verified my residency via my tax preparer at XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the XXXX XXXXXXXX office to be exact. She put my residence code on my amended tax form which is XXXX XXXX XXXX Mi. and GC Services XXXX after submitting all the appropriate documents ( tax forms, drivers license, utility bill, GC services threw the XXXX Office of Tax Compliancy refuses to acknowledge the fact that they are wrong. 
They have went so far as to try and manipulate the courts in the State of Michigan to try and issue a garnishment contacting my employer which is XXXX the payroll department in XXXX, Wash that wasn't upheld in court because.GC Services LP tried to cajole me to admit that I live in the city of XXXX which I clearly don't I live in XXXX XXXX Michigan. GC Services LP is bullying me to try and make me pay money that I don't owe and they have all the necessary documents that I submitted 3 times prior. They have clearly broken the law in the State of Michigan attempting to issue a LEVY based on false information the names of the person 's on the false LEVY are XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I have also been in touch with the Michigan Attorney Generals Office Headed by XXXX XXXX, I have strong evidence to know that GC Services LP broke the law on behalf of the Michigan Department of Treasury. I personally can submit all the documents submitted to GC Services LP the City of XXXX Tax Compliancy Office and anything else I need to clear my name this experience has caused stress and unnecessary worry in my life and I want to to stop. 
I'm filing complaints also with the Michigan Attorney Generals Office GC Services LP has crossed the line into criminality.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I used my ATM card on XX/XX/XXXX to fill up my car. I was in a road trip to XXXX. Since I was out of the usual area in which I normally use the card, the transaction was denied. I called the bank on XX/XX/XXXX to resolve the situation. 
According to their policy, they told me that I should have received a voicemail with a code in it. Without that code, I could not clear the account. I did not receive said voicemail. I asked for another way to verify my identity and they said that they could call me on the cell phone registered in the account. I authorized the call and they could not reach my cell phone as well. I made four attempts on that day to solve the situation. At this point, account was frozen by their fraud department. 
On XX/XX/XXXX, I called again and they told me that they would send me a letter with another code to verify my identity, since they could not reach me on my cell phone. That letter would take 7 business days to arrive. Today is XX/XX/XXXX, and I did not receive the letter yet. 
In the meantime, I do not have access to my funds and can not pay my bills with my own account having to rely on my wife 's account to transact any money. They are the only institution that can not reach my cell phone.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc (AZ)

On XXXX, I was checking out online with XXXX XXXX. I was buying a computer for {$1500.00}. I chose PayPal. At that time I was offered 24 month XXXX XXXX. I was denied. I needed the computer so I placed it on my PayPal Credit account which is 6 months interest free. Later that day I received a letter from XXXX C/O Paypal, stating the reason I was denied was for Non-sufficient funds returns on your PayPal account. I have never had an NSF charge to any account in the past 25 years. I've talked to XXXX XXXX, XXXX XXXX, Paypal Credit and Paypal to no avale. I didn't even know I had a PayPal account. I've always used PayPal Credit. After over 2 hours and being transfered 8 different times, I needed help. I don't care that I have to pay this off in 6 months with PayPal Credit, I want to know when, if at all, this NSF returns happened but NO One can find it. So Someone is putting out false information. What happens if I need to purchase something and spread out the payment, I'll get denied and won't know what for. I need this fixed.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc. (CA)

I am filing this complaint against the following company : CBE Group XXXX XXXX XXXX XXXX, IA XXXX P : ( XXXX ) XXXX I an continuously being harassed by CBE Group for a debt they claim that I owe. I have repeatedly asked them to stop and they continue to call me outside of FDCPA regulated hours. CBE Group knows that I am a resident of XXXX XXXX, California ( and have been for 3 years ) yet they constantly call me before XXXX. 

On XX/XX/XXXX, CBE Group called me at XXXX. I called back and asked them to stop and they ignored me. 

On XX/XX/XXXX, CBE Group called me XXXX. I called back and again asked them to stop harassing me and calling me outside of FDCPA regulated hours. The woman was very rude and said they will call when they want. She verified that I was a California resident, once again, and then proceeded to claim I owe a debt that I know nothing about. 

I am sick of being harassed by this company. They are completely disrupting my quality of life and my family 's quality of life by constantly calling me at wee hours of the morning. In addition, they claim I owe a debt to XXXX and I have never sold anything on XXXX. This company should be fined for illegal collection practices.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I got divorced last year. I was an authorized user on several credit cards in her name. All of these companies allowed me to call and have myself removed except for Citibank. My wife has a delinquent, closed account with Citibank which I am an authorized user of. I have called multiple times over the past year and even sent a copy of the page from our XXXX which states that the account is her responsibility and that I can not be held liable for the debt, but Citibank refuses to remove me from the account and it is adversely affecting my credit score.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX, Lands End slippers on sale ( {$30.00} ). Called to pay invoice in full and cancel the credit card. I didn't want a credit card. I just wanted the slippers. XX/XX/XXXX invoice with a Late Fee and Finance charge ( {$42.00} ). I called and the customer service advised they " couldn't help me because I closed my account. The Fee was due to the original payment being " late ''. Again, I requested to pay in Full. XX/XX/XXXX invoice charges an additional ( {$2.00} ) described as a Finance charge. Called and paid that in full. 

I feel like I've been scammed. I thought Lands End was a reputable company. I want to return the worn slippers to Lands End expressing my disappointment with what I thought was a trusted brand. Filing this complaint instead. At this point I have no idea when this billing will end. I can only hope it is over.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC. (NC)

XXXX and XXXX XXXX  engaged in predatory lending by imposing exorbitant interest rates and fees, exploiting the vulnerabilities of subprime borrowers. Such practices are expressly prohibited under the Regulation of the Truth in Lending Act ( TILA ) XXXX failed to adequately disclose downpayment requirements, in violation of TILA. Additionally, the advertising of downpayments may have been deceptive or misleading, contravening 15 U.S. Code 1662 - Advertising of Downpayments and Installments. Failure to Inform of Right to Rescind ( 15 U.S.C. 1635 ) : I was not adequately informed of my right to rescind the contract, as required by TILA ( 15 U.S.C. 1635 ). This failure to provide essential information is a clear violation of consumer protection laws. 15 U.S.C. 1635 - Right of rescission as to certain transactions : This section of the Truth in Lending Act ( TILA ) provides consumers with the right to rescind certain credit transactions involving their principal dwelling. The purpose is to ensure that borrowers have an opportunity to reconsider and withdraw from certain loan agreements within a specific timeframe.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (TX)

XXXX XXXX XXXX is in clear violation of the law for contacting the consumer reporting agency ( XXXX XXXX ) with my nonpublic personal information. I obtained a copy of my report and noticed an inaccurate collection account reported with an alleged debt of {$440.00} owed to XXXX XXXX XXXX. Please provide me with a copy of the original consumer agreement with my signature that makes me legally obligated to this alleged debt of {$440.00} owed to XXXX XXXX XXXX or XXXXXXXX XXXX/REVVI. 
On ( XX/XX/XXXX ) I sent XXXX XXXX XXXX a notice of your violations and to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXX REVVI CARD as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The person XXXX XXXX removed this credit card debt account from my credit reports before selling it to your company because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). They are attempting to collect the same debt you were ordered to cease and desist from because it has already been proven to be unverifiable and inaccurate. XXXX XXXX XXXX proceeded with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and XXXX XXXX which took effect on XX/XX/XXXX. I am not legally responsible for this debt and this account must be removed from my report immediately.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (PA)

In accordance with " The Fair Credit Reporting Act XXXX  '', Americredit Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (TX)

i discovered i am a victim of if theft/ Fraud when i received a collection statement by regular mail as follows -penn credit corportation-debt collector - a debt - owing to XXXX XXXX. as of XX/XX/2022 - owing {$600.00} - not mine - penn credit corportation XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I purchased an airplane ticket from XXXX XXXX XXXX on XX/XX/2020, with my Bank of America card for {$100.00} for a flight from XXXX to XXXX XXXX, XXXX. 

My airplane ticket was canceled by XXXX XXXX XXXX on XX/XX/2020. I contacted the airline on XX/XX/XXXX to request a refund. They offered a travel voucher, which I did not accept and requested a refund to my account. After arguing back and forth, XXXX XXXX offered to return my money ( I have the email as proof ). 

On XX/XX/XXXX, the airline emailed another message, said they would give me a travel voucher after agreeing to refund my card, I responded it was not acceptable and to return my money. They agreed to refund my purchase but did not. I then filed a complaint with the bank because I did not receive the service. 

Bank of America is refusing to credit my account. I believe it's against consumer law because I did not receive the service I paid for and the merchant canceled on me. I have called Bank of America numerous times to address this over the phone, only to wait for 30+ minutes for the automated system to hang-up on me. This keeps happening. 

I was instructed to go to my local branch to address the issue on XX/XX/2020 by a Bank of America customer service rep on the phone. Today I went to branch located at XXXX XXXX XXXX, XXXX, MA XXXX, and spoke with the assistant manager, XXXX XXXX. I showed him the email that stated the airline would refund my money and I believe I am protected by consumer law. He agreed I was protected and they airline said they would refund my purchase since they canceled, but XXXX told me they will not refund the money and to file a complaint with the attorney general office. This is unacceptable, I have been a client for 27 years. 

Please help. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MD)

On XX/XX/2023, I received an XXXX Alert that CITI Cards CBNA made a bank/credit card inquiry by checking my XXXX  credit file. I did not apply for credit. I contacted XXXX and requested a fraud alert be placed on my credit report. Potential lenders are to verify my identity before granting new or additional credit. I also contacted CITI cards and they confirmed that I do not have an account with them.
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MI)

Clearly Moneylion haven't learned their lesson. I already deal with daily Health Issues therefore i don't need the UnNecessary HEADACHE or STRESS dealing with Moneylion. This XXXX refused to take RESPONSIBILITY for their XXXX ups in XX/XX/XXXX and again in XX/XX/XXXX which is why i'm filing this complaint. 

XXXX XXXX  ...... 
I included a picture. I also have a XXXX XXXX XXXX XXXX thru Moneylion since XX/XX/XXXX. I also have a {$19.00} monthly membership fee. At midnight on XX/XX/XXXX i checked my Moneylion XXXX XXXX XXXX XXXX on their app. I noticed that on XX/XX/XXXX it said my XXXX XXXX XXXX XXXX XXXX was PAST DUE. How can a payment that haven't even posted yet be XXXX XXXX at midnight the same day it's due. I contacted Moneylion and i requested they update my payment since the Bank confirmed they already made the payment for {$94.00} and the monthly membership fee of {$19.00}. Yet Moneylion refused to update the accout and left my account showing PAST DUE for 10 days even thought they had already been paid. I find out that Moneylion was trying to process the payment the day before which is NOT a date i get paid on. They're suppose to have your payment processed the day it's due NOT the day before. I then changed my payment due date to the 3rd of the month so this wouldn't happen again. I was told by several agents this wouldn't happen again. 


XXXX XXXX ...... 
I included a picture for this as well. At midnight on XX/XX/XXXX i checked my Moneylion XXXX XXXX XXXX XXXX account. Only to see that once again Moneylion have my payment as PAST DUE on the day it is due and the payment had once again not even posted yet. XXXX claimed this wouldn't happen again yet it does and once again they refused to take RESPONSIBILITY for their XXXX up again. 

*LYING ABOUT CREDIT RESERVE PAYMENT ...... 
Moneylion blatantly lied on their app claiming once you pay off your loan they would send your funds to the bank account of your choice. Their chat agent stated a different story. Yet they held another payment for another 10 days even though they were already paid the {$94.00} monthly payment and the {$19.00} monthly membership fee.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (NC)

Contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, American credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

My student loan servicer is Great Lakes. The only problem I have with them is that my phone number was potentially released by them to an illegitimate company. I rec 'd a call today, XXXX, and spent an hour on the phone, thinking I was being signed up for loan forgiveness under a new program called, Revised Pay as You Earn. I was asked my email, and they used it to change my password and access my account with Federal Student Aid. I was asked income and employer info. I was told I was eligible to pay {$200.00} a month for the first five months only, then $ XXXX month for 240 months, and then my loan would be forgiven. I was asked for a date I would pay, and then I was asked for a debit or credit card number. I said, You called me, nobody would give you a debit or credit card number! How do I know who you are? He repeated a number that I could call him back : XXXX, ex, XXXX.
Consumer complaint received 2023-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

I received a statement from XXXX XXXX for {$28.00} the statement date is XX/XX/XXXX, I paid this amount through my XXXX XXXX, on XX/XX/XXXX, in the amount of {$28.00}. I was recently contacted by Receivables Management Systems. I was unsure if I had resolved this or not but I was sure I made I payment and the balance was incorrect. I contacted RMS and disputed the amount and asked for a settlement to attempt to resolve. After further review, I located the statement from XXXX XXXX is says I owed {$28.00} from XX/XX/XXXX. I have not been back to Patient First because I'm 100 % XXXX  and have all of my healthcare provided to me by the VA. I should not owe any monies to XXXX XXXX or the company the gave the debt to for collections. I will attach both the statement dated XX/XX/XXXX from XXXX XXXX and the check that cleared from XXXX XXXX. I will also include the initial contact letter from RMS.