davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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. (AL)

TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XXXX  2012. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies.
Case/Docket # XXXX Date Filed XXXX XXXX, 2012 Date Reported Court XXXX County, Alabama. Status : Satsified Lien Amount {$1300.00}
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

This company keeps calling and hanging up and/or not leaving messages. they are apparently using a robodialer as I was hung up on, again this afternoon.
I see very poor ratings for this company. That 's why I am coming to you.
Consumer complaint received 2017-07-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc (MS)

I have been receiving phone call from a person who is claiming to be a debt collector for an online payday advance. when i asked this person to provide me with a copy of a contract with the name of the original creditor. they could not do it. This person has been calling my job repeatedly as many as 20 times daily. when told that i am not there, he become rude and abusive. I have communicated with another agency about this person and there business and was told that this person was running a scam and not to pay them. when i shared this information with this person, they treating to call my job everyday until i paid them the money they requested. My employer stated that this person called 18 times back to back using different phone numbers, after i got of the phone with him. I have asked this person to stop calling my job and they continue to do so.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Creditors' Protection Service, Inc. (IL)

On XX/XX/XXXX I reached out to Creditors Protections Svc after I had noticed a collections mark on my credit report. I spoke with a collections specialist by the name of " XXXX XXXX '' I had explained to her I wanted to make a repayment agreement and established a payment amount. When it came time to take my payment jnformation she asked who I banked with, I asked her was I not able to use my debit card? She then stated I was not able to because the payment amount was n't over {$100.00} which was the amount I would need to pay to use a card transaction. I then stated to her you guys sure do make it difficult to make a payment. XXXX then stated to me " that 's what happens when your account is placed into collections it 's not sweet '' I tried to speak the rep then spoke over me would n't allow me to speak, I asked her if the calls were recorded she kept telling me they MAYBE recorded. The rep was extremely unprofessional I asked to speak to a manager she told me there was n't any available. I asked her for a team lead, supervisor, manager, assistant general manager, or the general manager she advised me that no one was in the office that there was absolutely no management or anyone else that I could speak with. She claimed her managers name was " XXXX XXXX '' and that she would have her call me back. The representative then hung up on men
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Attention to Argon Agency : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Aargon agency I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2017-07-28
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: Experian Information Solutions Inc. (NJ)

I sent a letter to XXXX XXXX XXXX after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. XXXX XXXX XXXX responded to me by stating that can not investigate my claim until they receive appropriate of my identity. XXXX XXXX XXXX is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient 's allocation of principal and interest. Having three constants ( interest rate, monthly payment, and time interval ) the loan amount is increasing instead of decreasing over time. I have reviewed the spread sheet from the beginning of loan and it seems like the principal outstanding amount is increasing. I believe I am a victim of fraud committed by Navient.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (TX)

on XXXX XXXX, 2017 I received a in-app message saying my account was closed with no explanation. I have deposited XXXX in the account and spent all but {$430.00}. I do n't know where my money is and I can not speak to them over there phone nor chat.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have a Victoria Secret Credit Card that I canceled on X/XX/17, I spoke to someone from their company from the number they listed on the Credit Card application and they confirmed with me that everything was paid and my card was canceled. Then a week later on X/XX/17 I get a statement through email saying I owe {$1.00} Fee. Confused I call back on X/XX/17 asking what the fee is for, they say for every purchase there is a {$1.00} fee as stated in the policy. However, I did not make any recent purchases in the past month/two so I asked where it came from, the lady told me that is was a fee that was charged a while back when I purchased something and has not shown up on the statement until now. I stated what their policy says, that I must pay all the remaining balance on the credit card before canceling ... which I did. So there is no reason or me to pay the fee. The lady answer with " Good point that is correct however you would still need to pay the fee because it was already on your balance '' ... I asked to speak to someone else in charge of the account.. she put me on hold and I was disconnected. My next actions were to report it to CFPB, I would hate to see other Victoria Secret Credit Card holder go through the same thing, or if they have would like to see CFPB step in to correct this financial mistake from the company.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

United Revenue Corp is reported as a collection debt on my credit report with XXXX. It shows date opened as XX/XX/XXXX and date closed as XX/XX/XXXX. Original Creditor is XXXX XXXX XXXX for a past due amount of {$630.00}. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have had the same medical insurance since XX/XX/XXXX and use my flexible spending account in addition to my insurance to pay for any medical services. They have failed to contact me via phone or mail to provide me with any bills & contracts for this alleged debt. I have made numerous calls to them at XXXX along with the credit bureau and have made no progress.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

American Express - I always keep a well paid balance 's in on my personal and business credit reports.
I had one personal and another business credit card. XXXX 2015, I closed both, and paid off the personal account approx 4,000 Dollars, and requested they provide proof of the business account was mine, approx 3,000 Dollars owed. They resisted to provide it to me, and for month 's diverted the calls to another department, in XXXX and collections agency. I communicated with the debt collection agency about my concerns, and American Express eventually provided Bank Statements in XXXX of 2015- I called AMEX Headquarters in XXXX, and XXXX XXXX to discuss and they still resisted to show me the business account belonged to me, and that I was in fact responsible for the balance. When the balance showed up on my personal credit report, I acted straight away and paid if off in Full. I 've used various methods Lawyers, Reporting agencies to try and resolve this matter on my reports. I need to take legal action.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northwest Collectors Inc. (IL)

This debt is past the statue of limitations as the first date of delinquency was on XXXX XXXX of 2009. I have contacted the original Furnisher of this information to verify the information that the debt collection company ( Northwest Collectors ) is reporting but after further review the original Furnisher ( XXXX XXXX XXXX XXXX ) can not verify this information or is inaccurate. As a result this collection should be immediately deleted from my credit file.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenPath, Inc. (CA)

In XXXX 2017 the debt management service I had my account with XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ) changed companies to GreenPath during that time I did not receive a statement for XXXX or XXXX from the new company GreenPath. Because of me not receiving a statement ( reminder ) I did not make a deposit. the previous company did a great job in sending me statements, return envelopes and statements where the monies were spent. GreenPath did none of those things Their accounting does not add up to the proper amounts. As soon as I found out about the issues I sent deposits to GreenPath.
When I received a statement on where the monies were spent XXXX of the creditors were not paid and are threatening to charge off the accounts. GreenPath 's excuse was they are paying priority accounts instead of paying each creditor as previously determined by XXXX.
GreenPath has not dispersed all of the deposit monies deposited and have continued not to pay all the creditors as did the previous company. XXXX creditors are still not paid yet there should be sufficient funds to pay all creditors as previous company had done. The XXXX creditors are XXXX XXXX and XXXX XXXX. XXXX XXXX has told me they have not received a payment since XXXX but I have a statement dated XXXX XXXX, 2017 from GreenPath stating XXXX XXXX is being paid {$110.00} My deposit amount each month is {$560.00} but GreenPath has only been dispersing {$450.00} so there should be a balance deposit of {$110.00} minus fees of {$35.00}. When I have called and tried to get them to pay the creditors not paid I have been told I have a balance of {$5.00}.
This issue has been on going since XXXX I need help to get my credit management back in good standing.
Everything was good until GreenPath took over the account.
Please help.
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

InXX/XX/XXXX, I purchase a dental practice in Florida. As part of the venture, I signed up for a business credit card with American Express. Unfortunately, inXX/XX/XXXX, my dental practice went out of business and a settlement agreement was reach with my bank to write off the remaining loan balance, as the business was sold at a significant loss. I have made good faith efforts to resolve all credits associated with the business transactions. In XX/XX/XXXX, I made a payment to American Express in the amount of {$5000.00} to resolve the business debt. My complaint against American Express is that the company has imposed an exorbitant and unreasonable of fees and interest onto my account. These amounts should be considered usury and should be investigated by all related regulatory, governing bodies. In XXXX, I was charged over {$2000.00} in interest and fees. In an economy where the average consumers yields 2 % -3 % on saving and investments, it should be considered illegal, usury, for companies to exploit consumers exponentially beyond those rates. Moreover, when I signed up with American Express, the alluring introductory rate was nowhere as high as the rates that have been imposed on my account. Furthermore, I request that your office look into these practices. My case is not an isolated incident. Online consumer boards are filled with similar complaints against this company. ( e.g. XXXX XXXX XXXX  ). Perhaps the company should be audited for the sake of transparency and public policy. This behavior should not be continually endorsed and permitted. I have expressed my concern to American Express, and have gotten no resolution, instead, the interest and fees continue to increase and to compound. American Express has been unwilling to resolve this issue equitably and ethically.
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TN)

I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I called Equifax today after a creditor was unable to pull my credit report, and I was told that my credit file had been placed with the office of consumer affairs. They are blocking access to my credit report and creditors are unable to access my file. This is causing me to miss out on being able to apply for a mortgage. Additionally, I am unable to gain online access to my credit report as they have blocked me from that as well. I was told by a representative in the consumer affairs office ( she refused to give her name ) that access was blocked because I disputed the incorrect spelling of my name and addresses that were not mine. As a result of seeking an accurate credit report, I no longer have timely access to my credit report and potential lenders are not able to access my file. Additionally, I called back and spoke with a XXXX XXXX who said that the reason why Equifax was blocking access to my file was that my credit file was " randomly chosen ''. This is a direct contradiction to what I was first told - ( clocked because I disputed the incorrect reporting of my name and address ).
Consumer complaint received 2016-06-15
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc. (GA)

I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.
Consumer complaint received 2017-06-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (TN)

On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

I ran a credit report on  X/XX/17  and saw I had a collection from Diversified Consultants for {$940.00}. I contacted that debt collector and was given information that there was an unpaid bill under my name for  XXXX . I was given an address that the account was under (  XXXX , Illinois ) I informed the Diversified Consultants that I have never lived in Illinois and they informed me to contact  XXXX . On the same day, I contacted  XXXX  and they were unable to verify how the account was opened. I spoke with a woman named  XXXX , who informed me to fill out a fraud report on their website and that would begin the investigation. Furthermore, I sent a certified letter to Diversified Consultants, asking for any written evidence that this account was opened in my name. On XX/XX/XXXX  I received a letter in the mail from Diversified Consultants stating that the name and address for the debt were verified and was sent a copy of an  XXXX  bill in the amount of {$1200.00}, addressed to my name, but an address in  XXXX , IL. On  XX/XX/XXXX , I filed a report with the FTC Identity Theft Center as well as an investigation to be completed through   XXXX   XXXX   and   XXXX   to remove this fraudulent activity from my credit report. On  X/X/17 , I will be filing a police report with my local police.