davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX I sought legal counsel and hired the XXXX XXXX XXXX  XXXX XXXX after having been served with a Civil Complaint by Midland Funding. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to Midland Funding informing them that I was represented by her firm and served them with her XXXX form. Then, on XX/XX/2019 her office called and spoke with Midland requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with Midland for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from Midland stating that Midland was closing my account and ceasing collection actions against me. My attorney was in the process of responding to Midland to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from Midland. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to Midland outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, Midland is now ignoring my attorney and has refused to respond to her. Midland 's actions are egregious and should not go unpunished.
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX   holds the money. i have double checked with XXXX XXXX, they are not holding this money.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M&T BANK CORPORATION (PA)

M & T bank keeps calling my cell number demanding payment on a credit card for which Ive never had. In fact, Ive never ever done business with them. They are extremely rude & aggressive & I have asked them repeatedly to stop calling me & they will not stop. AND, my cell phone number is on a do not call list!
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (PA)

XXXX continues to send debt to different companies and placing derogatory remarks on my credit. This is tarnishing my credit. XXXX failed to comply with FCRA Guidelines. Continues to be non-compliant ; letters sent, no feedback.
Consumer complaint received 2019-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

This collection agency claims that I owe them {$900.00} dollars, first they sent me a bill for the amount of {$65.00} dollars and told me that I had 30 days to dispute this debt. I don't owe this company any money because I do not know who they are, I sent a dispute letter to this company where I asked them to validate this debt because it looked strange to me, especially coming from a company that I know nothing about. They say that I had a balance with a company called XXXX XXXX co, I asked this company to validate the debt and to provide me any documents that they have with my signature on it or something that shows that I agreed to pay them. All they sent me is a piece of paper that shows a breakdown of how much it is they claim that I owe to them and they also sent me a bill. They never provided me a contract with my signature on it or anything.
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

In reviewing my credit report- Department of education/Navient has added over XXXX worth of interest to my student loan debt from dates ranging from XX/XX/XXXX to XX/XX/XXXX. Per my XXXX credit report Navient added a note showing an increase of student loan interest from XX/XX/XXXX - XX/XX/XXXX of XXXX. They just recently added a note of a increase of XXXX from dates ranging from XXXX. Due to the Coronavirus pandemic, aren't fees suspended starting XX/XX/XXXX - XX/XX/XXXX? Why am I being charged for interest or accessed fees during a pandemic crisis? Secondly, the amount of the increase is astronomical. a XXXX fee for 1 month vs from XXXX XX/XX/XXXX only XXXX? 
Please investigate this and have Navient make the applicable adjustments. In dealing with Navient as long as I have, I just have a feeling once this pandemic is subsided, they will quadruple fees to my student loans??
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Most importantly Ive never had credit and someone is using my social security because I keep getting alerts about things that I have no idea whats it about. School loans are already closed and they still show on my credit report. There is a car company asking me for money I dont owe anyone anything so how does this reflect on my credit. They said they will fix the problems and nothing is happening. I need someone to look into this XXXX XXXX XXXX is more than 7 years old from CT and its still showing on my credit report. I full complaints and nothing is being handled. I mail letters and call the credit agency I ask for fraud alerts and nothing is being done. How can someone keep using my social security. Please contact me email. XXXX XXXX
Consumer complaint received 2019-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.
Consumer complaint received 2019-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Management, Inc (SD)

XX/XX/XXXX I received call from Accounts Management Inc from XXXX XXXX SD. Female stated that I had a bill from XXXX XXXX XXXX in XXXX that was in collections for the amount of {$200.00}. I was a little confused and asked what. they stated that my husband, XXXX XXXX was the patient and they had a judgement for {$200.00}. I advised that XXXX and myself have not been married for well over 13 if not 14 years. I asked for the service dates to which she would not give me. She said that if I wanted my name removed I would have to produce my divorce decree. I advised that I in fact did not need to do that as we have been divorced for far longer than your statue of limitations. I called XXXX XXXX XXXX and after some research was told that my name was not in their system at all. My name or ssn did not appear in there system and was not connected to my ex-husbands accounts. I advised them that they may need to talk to their debt collection company as they decided to attach my name for some reason. They assured me that they did not have my name connected to anything and it should not be that way at Accounts Management Inc. I advised them that the collection agency they are using is using some illegal tactics. I will sue.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent the credit bureaus a copy of my credit report and told them that they had accounts on my file that did not belong to me. I sent a copy of my credit report to them and circled the fraudulent accounts that do not belong to me. They only removed 3 of the fraudulent accounts and left the others on my credit file. I sent them an FTC Identity Theft Report # XXXX to all 3 credit bureaus. My social security number was in the credit bureaus data breach as well. They just do not seem to care if it was or not. I told the credit bureaus that these fraudulent accounts do not belong to me. Please have them to remove these fraudulent accounts from my credit file. This is causing me severe stress.
Consumer complaint received 2019-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent multiple request that accounts on my credit report be verified because these loans or amounts were never taken out by myself and aren't mine. Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX  system.

I have attached copies of the letters requesting verification that were sent via USPS certified mail.

1st request- USPS Tracking #  XXXX 2nd Request- USPS Tracking XXXX XXXX
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

The account in question is regarding a vehicle leased in XX/XX/XXXX. I traded this vehicle in on XX/XX/XXXX. I told the dealership the payoff amount and the date at which this payoff expired. I called Chrysler Capital several times in XX/XX/XXXX to confirm they had received the pay off for the account. I was told the amount was received on XX/XX/XXXX and that the funds were being processed. I was also told I no longer needed to worry about the account and no further payments would be required. On XX/XX/XXXX, Chrysler Capital reported my account 30 days past due. After logging in to my online account, I can see that the {$47000.00} payment was marked effective XX/XX/XXXX. I do not believe this account is past due, or was ever past due, and the fact that the payment was marked effective XX/XX/XXXX proves this. My personal credit has gone down over 40 points due to this, and my business line of credit has been reduced due to incorrect information reported on my credit report. When I contacted Chrysler Capital they advised me there was nothing they could do, and that it was my fault the account is delinquent even though their own transaction history says otherwise.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are illegal.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a deposit of {$1300.00} only {$200.00} was applied to the account, I called customer service about the {$1100.00} they told me the check clearing house was holding my funds until XX/XX/2019. When I checked the account the funds were dream from the funds had been released, I called BOA customer service they told me there was nothing they could do. Meanwhile three checks bounced fees were applied to those checks I called BOA customer service today the funds were there however the bank has consumed all my money with fees To resolved O would like for the bank to reverse the fees, apply to my account. Thus has caused a hardship, I am behind on my bills, can not do any transactions because their check clearing company hold funds for nine day while checks are declined and fees accumulate to benefit the bank
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (NY)

I had inquired about a camper from XXXXXXXX XXXX  of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX XXXX XXXX onXX/XX/19, XXXXXXXX XXXX  on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX on XX/XX/2019, and XXXX XXXX XXXX on XX/XX/2019. I now have all of these hard pulls against my credit that I did not authorize!
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has failed to protect me. I filed a dispute on XX/XX/XXXX, the chargeback was initiated on XX/XX/XXXX ( 6 days later! ) and to date, no resolution! My family traveled to XXXX Florida on XX/XX/XXXX. We booked on XXXX  based off the advertised information and price. Upon arrival from our 7 hour trip, we pull up and enter a home that was totally different from that which was advertised. I scrambled to find us additional accommodations, on such short notice, and filed a claim against the merchant the very same day-XX/XX/XXXX. There have been nothing but lies and deception from the investigative unit since I filed this claim. Read the notes! The customer service level is VERY low, the reps are quick to be sarcastic with you while providing either the incorrect information or dishonest inforMation- depending on the way you look at it. I called on Tuesday of this week, XX/XX/XXXX, because it has been 45 days since the claim was filed with the merchant. Bank of America claims the merchant has not responded. The merchant said they did. I have been the ONLY ONE to send in information from my own investigation while the reps at BOA twiddle their thumbs. This case has LITERALLY not changed status! When I speak with the reps and even their managers, always met with the same level of frustration from them that I am already experiencing with this ordeal. I literally just moved over my business accounts but this low level of service is about to make me move them right on back to where they were! This is ridiculous! I went in a branch today and even SHE was hung up on twice-n not counting the number of times I've been hung up on! Where is this high service level that BOA spends millions advertising?? Where are your employees? Why is no one accountable but quick to quote policy to me? Who is running this department? I think I spoke with her once but there was no continuity. As you can see, the claim is still in the same status it was when filed on XX/XX/XXXX! RIDICULOUS! I HAVE BEEN THE ONLY PERSON INVESTIGATING THIS CLAIM! The service level given to this claim in particular is bogus, sub-par, and should be extremely EMBARRASSING to BOA!
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grandeagle Financial, LLC (NC)

The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are illegal.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank accidentally closed my Costco credit card account. Citibank thought I did not have an active Costco account, but I did have an active account. Without checking that I did have an active account, Citibank just closed my credit card account. I immediately called them and they confirmed that they accidentally closed the account without checking to see if I had a Costco account. They agreed to reopen the credit card account, but only after pulling my credit report. I asked them if they could reopen the account without pulling a credit report again because I did not want a ding on my credit, and they said they had to pull it again even though the account was closed because of their mistake.