davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P. (IL)

This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Paypal Holdings, Inc (NJ)

XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's 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. 
I have sent this letter certified mail because I need your prompt response to this issue. 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, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (CA)

My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OK)

Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.
Consumer complaint received 2016-07-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mandarich Law Group, LLP (CA)

I have been receiving numerous phone calls from a debt collector named XXXX XXXX from Mandarich Law Group LLP. He has been threatening me that he will take XXXX % of my check and will go directly to my boss to take away the money. I was part of a fraud scam, since I had fallen for an add on the TV stating that for monthly payments they would help lower my credit card payments. Long story short, it was all a lie and that company I had made arrangements with, sold the company numerous times and did n't resolve any of my credit card debt. Now I have this hostile person harassing me stating he will take away from my weekly paycheck, and being that I am a single mother, money is already tight as it is and their is no need to be so unreasonable as for him not to even want to negotiate with me.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (IN)

I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief.
Consumer complaint received 2016-09-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Smith & Smith Investors LTD (IA)

My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (IL)

My loan was sold to State Bridge Company from XXXX. I can not get anyone to answer my phone calls at State Bridge. I have spend well over an hour on hold for days at a time. I leave messages and the messages are never returned. I filled out the paperwork to have my mortgage payment to be taken out of my bank account every month. The first month the money was not taken out and I spend over a week calling. I finally go ahold of a person and my mortgage was taken out of my bank. My second payment still has not been taken out and I can not get ahold of anyone!!! This is so frustrating. I do n't want to pay online because I fear that I will then be double charged. Help
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been with Bank of America for many years with my Mortgage loan I felt happy and comfortable having my loan with them and being able to pay and easily access my loan information online. I received a letter from bank of america that they have sold transferred my loan to a third party service. I have looked at the third party service company and I am very unhappy with this the new third party company to service my loan is XXXX XXXX XXXX XXXX which has a payment option for paying online I would have to pay XXXX XXXX I total am appalled I have excellent credit and to be transferred to a low down service-er is absurd I have been transferred to a company that is for people with bad credit. Also I contacted the new servicer and you here on the recording ( we are a debt collector ) Really the guy was rude to boot!!! I have never been late with B of A and have excellent credit!! I believe this transfer is going to cause my ire-reputable damage to my credit I demand that my mortgage account be transferred back to Bank of America I will consider hiring an attorney this is not right! I will sue for damages caused to my credit from this transfer to this less than excellent third party servicing company I want this rectified!
Consumer complaint received 2016-09-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

$ years of Stafford Plus loans to put son through college. Each year consolidated with total loan amount of approx. {$38000.00}. Was set up on gradated payments with payoff in approx. 10 years. Entered into bankruptcy in XX/XX/XXXX with payments to continue, which they did. After bankruptcy loan transferred to Navient. They show we still owe {$38000.00} According to my records we made {$26000.00} in payments from XX/XX/XXXX to XX/XX/XXXX ( 8yrs 4 months ) We received letter from Navient that our forbearance was approved. I never requested a forbearance. Additionally they changed our payment schedule to a new extended schedule for 25 years. I never agreed to such schedule and would be XXXX years old when it is paid off. Our original payment schedule should have paid off the loan in approx. XX/XX/XXXX
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.
Consumer complaint received 2016-12-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NY)

td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Regional Management Corporation (SC)

Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.
Consumer complaint received 2016-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDICO. INC (SD)

I went in to Credit Collections Bureau and paid a small claims, the front desk person looked it up and told me the amount, paid by debit card and got a receipt that said judgement paid. Now I find out that there is more interest to pay. I am XXXX and trying to close on a house they said I owe XXXX more in interest.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.