davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} 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 XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} 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 SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (GA)

I called Great Lakes in XX/XX/XXXX about what paperwork would need to be filled out by me in order to proceed with the XXXX Loan Forgiveness for which I qualified for by working in 2 XXXX for 5 consecutive years XXXX XXXX  and holding a XXXX XXXX.

I filled out one packet for each XXXX XXXX  as instructed and both boards signed the packets which were mailed in XX/XX/XXXX and sent via email and faxed.

Great Lakes is now saying the need two additional applications, one for each XXXX worked within the same county backed by the same board and signed off by the same person before they can proceed with filing the forgiveness ( which takes 90 days to process and forever to hear back if there is an issue. ) The qualifying XXXX are : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX county Ga XXXX ), and XXXX XXXX XXXX  ( XXXX  county XXXX ). All XXXX  in the state of Ga.

I hold a XXXX  in XXXX   and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXXXX/XX/XXXX - XX/XX/XXXX for struggling XXXX XXXX. I am now enrolled in my XXXX program and quickly running out of funds to play their games.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (NY)

In XX/XX/2017, Tek-Collect placed a collection on behalf of XXXX XXXX XXXX to the credit reporting agencies. Per requirements Tek-Collect never sent a written notice. In addition, I noticed they recently ( within the last 2 weeks ) reported the collection to XXXX and XXXX. 

Would appreciate you help in this matter. Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2018-07-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (MN)

I contacted Ad Astra, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a XXXX  payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party  on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. Ad Astra never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at Ad Astra,  reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2017, I received an email from XXXX XXXX that stated " Spend {$5000.00} between XX/XX/XXXX XX/XX/2017 and get a {$150.00} bonus statement credit for purchases. '' I spent over {$5000.00} within the allotted time period and have not yet received my credit, despite meeting all of the conditions. I have tried requesting several times through chat on their credit website to resolve the issue, but the issue has not been resolved.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OR)

I called the customer service number XXXX XXXX XXXX XXXX on the back of the credit card and spoke to a customer service representative named XXXX at XXXX XXXX. on Monday, XX/XX/XXXX. I informed her that I did not request a credit card and I wanted to make sure there was no account in my name. She asked for the credit card number, which I gave her. She then asked for the last 4 numbers of my social security number, which I did not give her. She said that she could not close the account without that information. Since I never opened an account, there should not even be an account associated with my name. 

I received a second unsolicited communication from XXXX XXXX today ( dated XXXX XX/XX/2018 ) providing additional encouragement to use this card, which I did not request.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. 
Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form  they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.
Consumer complaint received 2018-07-30
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 (GA)

I have been an American Express Platinum  Delta SkyMiles card user for 15+ years with an average card spend of $ XXXX/year while paying the $ XXXX/year annual membership fee. Yet Amex did not treat me fairly or equitably. 

I always pay off my entire balance each month and in all these years, I had never had a late payment! Never that is, until about 7 months ago when I decided to sign up for eBills ( Autopay ) service via XXXX XXXX. When I first signed up, eBills failed due to which I had my first late payment ever with Amex in 15+ years as a platinum  customer. At that time, when I called customer service, Amex DID reverse my late fee and interest accrued ( about {$150.00} ), for the first time EVER on my account. 

After that first mishap, eBills seemed to work well and everything was good with paying off the card automatically each month. However, I noticed today, while scanning charges on my Amex card after a recent trip, that I had accrued serious interest charges which I should not have given that I pay the balance off in full each month. 

Turns out, XXXX XXXX does not consider Saturday a business day ( which is the case with most banks ) but Amex DOES consider it a business day, at least for the purposes of payment due dates and penalties. My eBills was setup to send payment 2 business days prior to the due date for each of my credit cards, because that is how long it takes XXXX XXXX to process the bill pay. For the XXXX Amex payment however, the due date fell on a Saturday ( XX/XX/XXXX ), so when XXXX XXXX auto paid on Thursday ( XX/XX/XXXX ), Amex did not receive it until Monday ( XX/XX/XXXX ). Since XXXX XXXX does not consider Saturday or Sunday a business day, the payment was not delivered to Amex until the next business day which was Monday ( XX/XX/XXXX ). 

This resulted in Amex charging me $ 590+ in accrued interest and late fees. Of course I called them. But despite speaking with several managers, they REFUSED to reverse anything because they had reversed the charges for the only other instance when I had been late, mentioned above, in XX/XX/XXXX!! 

After all these years as a premium customer with never a late payment, that Amex has made tons of money off of via transaction fees and annual membership fees, this is where we are. I have an excellent payment track record that spans years and based on the proof of payment from XXXX XXXX for the bill pay, this was clearly not intentional or a delay tactic. Amex is not acting in good faith!
Consumer complaint received 2018-07-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

My credit was pulled by XXXX XXXX back on XX/XX/XXXX ( unbeknownst to me ) by XXXX XXXX XXXX  with all ( 3 ) credit bureaus. I emailed the mortgage company contact back on XX/XX/XXXX to get the inquiry removed. We've gone back and forth about the issue, but the contact at the mortgage company advised that he would request for the hard pull to be removed with all ( 3 ) credit bureaus. I don't know if it has been him dragging his feet or if it is indeed XXXX XXXX giving him the run around. In our most recent email correspondence ( dated XXXX XXXX ), he forwarded me an email from Equifax stating that they have been back up but it typically takes 30 days.
Consumer complaint received 2018-07-31
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. (LA)

On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. XXXX XXXX/ XXXX XXXX
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX, {$760.00} deferred interest charge. I spoke with 2 representatives on XX/XX/XXXX and I was told the deferred interest could only be waived if I paid the balance in full. 

In XX/XX/XXXX, I went to a dentist and was offered Care Credit because I did not have insurance. I was told by the dentist it was interest free and they paid the interest. Neither she nor her office personnel explained to me that I would have to pay deferred interest if balance was not paid in full, nor was I ever explained to about any promotion. I am a XXXX citizen on limited income. My XXXX statement shocked me when I saw what I was charged for interest from the time of purchase when all along I thought the interest was paid. I would have never accepted this offer if I knew this from the beginning. I truly believed when I was enrolled what the dentist told me, it was interest free.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed immediately.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Thursday, XX/XX/XXXX, I spoke with a Bank of America manager who was handling a credit card late fee escalation on my account. I had previously been told that a {$38.00} late fee on my Bank of America credit card would be waived. After multiple escalations, the manager told me it in fact was not going to be waived and I needed to pay. On that same call I decided to go ahead and pay the {$38.00}, funded by my Bank of America checking account. The manager read me the disclosure and asked me to confirm I was authorizing the {$38.00} payment from my checking account. I agreed. The next morning ( Friday, XX/XX/XXXX ) I logged into my account and found that my account was not charged {$38000.00} instead of {$38.00}. My checking account was overdraft by over {$35000.00}, leaving me with no access to any of my money. Out of all days for this to happen, it was a day I had taken off from work to take my daughter on a tour of a sleep away camp. The camp was offering an early discount if paid that day, however my daughter wanted to see and experience the camp first-hand prior to submitting the deposit. Since I had no money for fuel, I could not make the trip, devastating my daughter. In addition, I had no money available that Friday to go to a supermarket for food or formula for my XXXX month old XXXX son. Bank of America told me it would take 3 days to process the refund ( the following Monday ) which was unacceptable. After over 3 hours of  phone escalations, Bank of America informed me I would receive the credit by XXXX Friday ( same day ). In the early afternoon I was then informed the credit wouldn't be issued until XXXX. I then received a call that I would need to wait till midnight to have access to my money again. To add insult to injury, the credit was issued by Bank of America by placing a stop payment on the check that was issued to the credit card. A stop payment fee was then placed on my account ( additional {$30.00} ) which I needed to call and have refunded today ( Monday, XX/XX/XXXX ). I am ready to move my business elsewhere after having been a loyal Bank of America customer since 1995 ( 23 years! ).
Consumer complaint received 2018-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC (CT)

XXXX XXXX XXXX XXXX Con star financial services, LLC Last XX/XX/2018 I had a motorcycle repossessed.voulentary. XXXX XXXX XXXX XXXX sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with XXXX XXXX I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from constar financial services LLC a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX XXXX for XXXX XXXX that XXXX XXXX claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
Consumer complaint received 2018-07-30
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: SUNTRUST BANKS, INC. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from SUNTRUST on my XXXX, XXXX  and XXXX credit report that i did not AUTHORIZED. 

I spoke with the SUNTRUST Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by SUNTRUST i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by SUNTRUST. 

They did not remove those unauthorized hard inquires from XXXX, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX and XXXX on XX/XX/2018 and was told SUNTRUST never contacted them.
Consumer complaint received 2018-07-30
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. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my XXXX  nad Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX   and Transuion but allowed it to stay to intentionally hurt my credit score. 

I contacted both XXXX and Transuion on XX/XX/2018 and was told XXXX never contacted them.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TX)

The company uses an automated dialing system with recorded messages. The message does not identify who is calling or the nature of the call but states the message is for someone I don't know and further states to hang-up if you are not that person which I did the first time they called. This did not remove me from their system as they called back several times. I called the number back to in an effort to have my number removed however the person who answered hung-up on me when asked for their business address.