davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Clarity Services (CA)

i applied for an auto loan and i received the attached letter of denial. they listed a number of places where they got " my scores '' ..Clarity is one of them. They information they say are the reasons why I " might have been denied '' by the lender. Ive uploaded the document for you to see. The main reason they have the wrong information is because each credit agency is different ie XXXX, XXXX and XXXX. I also uploaded a document from XXXX with " final results '' of an investigation on an account that was made by someone else. I included the original document from XXXX/XXXX that clearly states that my information was hacked and used. After 45 days of investigating XXXX sent me my results ( uploaded ) and stated the they will contact XXXX and XXXX ... They didnt. Those XXXX accounts are still on those later credit reports along with old address information that has clearly affected my approval for a loan. Listed on Claritys letter they state that they couldnt verify my identity and that my address couldnt be verified and that its not my primary address!! How is that so when i 've lived there for almost 3 years. The DMV, CA State Registry of Voters, Social Security and my XXXX bank account at different banks all have my correct address. But the XXXX Credit Reporting agencies do not. Please fix this problem. It has negatively impacted my ability to get an auto loan so i can get work so I can get off of govt benefits!
Consumer complaint received 2016-07-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Ohio XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2016-11-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (NE)

This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc (GA)

I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2016-04-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D&A Services, LLC (AZ)

I received a VM from D & A Services stating that the call was regarding a debt and to call back. The collectors ' name was XXXX XXXX and phone # was XXXX. I then called him back. I got in touch with XXXX XXXX. He asked for my name, which I gave him, then preceded to tell me about the debt. Only after that did he give the mini Miranda and then asked me to verify my identity. I asked for a manager, who he transferred me to. While explaining to the manager ( cant remember his name, sorry ) the situation, he kept interrupting me simply to say that I have every right to file a complaint, but if I was to resolve " properly '' to give him a call. he " informed '' me that nothing was incorrect about the way the collector handled the call.
Consumer complaint received 2016-12-13
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (MD)

I have the children 's social security and my XXXX pension deposit on Direct Express Debit card. This has happen in the past as well and YOU did NOTHING to hold these criminal at Direct Express accountable. In the recent incident two vendors XXXX XXXX for {$85.00} plus {$89.00} and XXXX. XXXX XXXX {$84.00} both of New York. Have without authorization taken out money from my account. BOTH were told they NEVER EVER had any authority to withdraw and money from my account. XXXX XXXX has NOW done so twice. EVEN after both them and Direct Express to stop. 

Direct Express said it would NOT stop those transaction and refused to take any action that stop that vendor or others in gain access to any money in my account. In the past they said as company they felt need to redirect any social security funds back out to other businesses. In the last 3 or 4 incidents and in my dealing with Direct Express that have STOP making such remarks. BUT are clearly doing every thing they can to encourage that type of theft. 

I have accounts with other banks as well as credit cards. I have never met a credit card business that was refused to help it clients and to openly encourage that type of theft. There was about a 5 day period where it says the transaction is pending and should be reverse able. Direct Express refused to take any action till after the funds have completed it transaction and can ONLY be returned by the free will of the merchant. This is beyond insane. 

It is 2016 there are many legal and ethical businesses working online. So of the best deals are online. Direct Express will not allow me to pay for my mobile phone with XXXX that offers the cheapest service. There are other vendors it will not allow me to use. I had contacted them and Direct Express said those vendors had ties to terrorist group. I had contacted many afterwards ALL had denied any connection to terrorists. Direct Express had noticed and pointed out I had a single Pay-Pal transaction. They claimed with Pay-pal they could do an instant refund. 

Prior to tis nightmares other then XXXX customer service I would said I like Direct Express as means of handling Social Security and my XXXX pension. It seem to work like a BANK in handling direct deposit, did not charge a fee for doing nothing at all. And it was suppose to not allow any bounce check fee. Direct Express is clearly idelaogy opposed to hand federal funds to children collecting social security and federal pension funds. Pleas take the most aggressive action possible against Direct Express. 

XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have been a customer of Best Buy for at least 20 years and still have a Best Buy Credit Card in my name only in my possession. Around XX/XX/XXXX I helped my daughter, XXXX, then a XXXX Student at the University XXXX, purchase a XXXX Laptop. In order to help her establish credit, Best Buy initiated a Joint Credit Account. I paid {$250.00} down and the Account was established in her name, with her Statements sent to her Mother 's ( my ex-wife ) address in XXXX, Texas. She paid this off in a timely manner. 
Fast forward to XX/XX/XXXX when I decided to buy myself an XXXX Present ( HP Laptop for around {$450.00} ). Best Buy was regularly sending me emails stating I had Best Buy Rewards of {$30.00} I could use if I purchased a Product from them. I believe the condition was I could not use this Discount unless I put it on credit, so I did so even though I can provide proof that I had approximately {$4500.00} in my Bank Account at that time. 
Herein lies the problem. At the checkout in XXXX XXXX, Texas, I furnished my info, Driver 's License, email, phone number, etc., after stating I had an Individual Account ( I did not have my Best Buy Credit Card on hand at that time ). My daughter was in XXXX, Texas, was not mentioned, consequently, I had no idea that she would be involved in this transaction in any way whatsoever. 
I went about my business and enjoyed the Holidays. Sometime in XX/XX/XXXX, I found out that my ex had gotten mail for my Daughter from Best Buy ( they lived XXXX miles from each other ). My Daughter told her it must be Junk Mail because she had not had any dealings with them. Consequently, I have the email and picture of the Credit Card Bill from my Daughter on XXXX/XXXX/XXXX which states " Sorry, I wished I 'd opened it sooner ". Shortly after I contacted the Credit Card Account, described what happened, got them to write off the Late Charge Penalty and paid the Amount in Full. The Rep read back my explanation to me and agreed to include this in my file. 
Happy Ending? Not quite. This is the only serious negative on my Credit Report and I believe I would have an XXXX Score without it and has been detrimental to my finances. What makes me feel terrible is that my Daughter ( XXXX ) and is buying a House has this on her Credit Report and has cost her also while she had absolutely nothing to do with the transaction. 
Finally, during this time Best Buy was sending me emails describing their products and that I was eligible for additional Rewards! I believe if you will look at my situation you will feel as I do, that if Best Buy had correctly billed me as I had intended this would never had been an issue and affected my Daughter and I so negatively.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NC)

I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AZ)

XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Farrell Holdings, LLC (UT)

XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.
Consumer complaint received 2016-08-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Autovest, L.L.C. (TX)

AUTOVEST/ XXXX XXXX XXXX FILED A LAWSUIT AGAINST MYSELF XX/XX/XXXX AFTER PURCHASING MY AUTO RE-POSESSION DEBT FROM XXXX XXXX XXXX WHICH I DEFAULTED ON XX/XX/XXXX- SEVEN YEARS AGO. XXXX XXXX AND MYSELF SETTLED THIS DISPUTE AND AS A RESULT, AUTOVEST DISMISSED THE CASE WITH XXXX COUNTY XX/XX/XXXX. NOW AUTOVEST IS TRYING TO PERSUE THIS CLOSED ACCOUNT THAT HAS BEEN SETTLED AGAIN. I HAVE ATTACHED THE LETTER FROM AUTOVEST ATTEMPTING TO PERSUE THIS CLOSED COLLECTION, AS WELL AS THE SIGNED MOTION FOR DISMISSAL OF CASE WITHOUT PREJUDICE AND NOTICE OF LAWSUIT THAT WAS GRANTED DISMISSAL ON XX/XX/XXXX. I NEED AUTOVEST TO QUIT PERSUIT IMMEDIATELY.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.
Consumer complaint received 2015-07-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (AZ)

Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.
Consumer complaint received 2015-11-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (FL)

I have several hospital bills that went to West Asset Management so that they can collect from XXXX XXXX center. I have made payments straight to XXXX center every month, never missed a month of a sort of payment. West management contacted me in XXXX trying to get me to give them my bank information so that they can deduct monthly payments automatically. I denied only for the simple fact why provide that information when I 'm already voluntarily paying XXXX faithfully. The rep stated that the only other way it wo n't go on my credit is if I agree to pay the monthly minimum of {$25.00} a month for each bill which will consist of {$75.00}. I agreed to pay that which I did. Well come to find out they lied and still reported it to my credit.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Direct Capital (OR)

Multiple people called from Direct Capital, claiming to have an account of over {$11000.00} in my name for a bad check, said they would settle for {$1000.00}. They also claimed they were a mediation company and did not have any information other than the amount owed. Would not give me any information regarding the account or what it was for - when I asked for more information and documentation, I was hung up on by a representative as well as a supervisor. I recorded the conversations for documentation. I called back 3 times, each time to be yelled and berated by the representative. I told them I would not settle anything or confirm anything until I received documentation showing what the debt was for. They sent me an email that did not display any of the information needed and have continued to call, from varying numbers as well as my work. This is not only frustrating, but embarrassing. If I do have a debt, I will take care of it, but so far it seems like they are a scam harassing people for reasons they are not willing to disclose.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I requested my credit report thru XXXX. After filling out the info and answering the security questions, XXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I contacted Equifax on the XX/XX/XXXX.. in reference to a open collections for leasing management company and for a public record for the same account. I placed a dispute asking for verification of debt..validation of debt as well a list of charges. I also stated that the amount are inaccurate, and how could the public record amount for {$1500.00} in which I was court ordered to pay. The collection account balance over exceeds the amount ( {$4700.00} ) from the same original creditor. The results of my disputes are listed as verified and still remains on my credit file. 
I also requested from the creditor a validation of debt I have never received anything in writing from the collection agency.