davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this information.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LJ Ross Associates (MI)

My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} on XXXX ).
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I accessed my free credit reports ( XXXX, XXXX and transunion ) on XXXX. I received my report online from XXXX. XXXX always denies an online report and requires a mailed request and sends a mailed copy 30-90 days later. ( I am getting tired of this delay from them when I used this online service, but did not file a complaint ) My problem is that the TransUnion Website I was directed to stated it was unable to process my request and to come back later. Back at the XXXX site, it registered that I had received my free report for the year. Now I can not get my report, at least not for free. 

I send a complaint to XXXX re : TransUnion, but that was only an hour ago and I have not gotten a response yet. 

I feel these companies are making it difficult so that people who need their report right away will pay for it instead. Please help me get my free online credit report from TransUnion ( and if possible from XXXX also. ) Thank you, XXXX XXXX
Consumer complaint received 2016-09-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.XXXX
Consumer complaint received 2016-09-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

It seems my lender ( Bank of America ) has asked me to start the repayment period for my Home Equity Line of Credit. It was my understanding that this repayment period was to start at the end of 2017. Upon asking for a copy of the loan agreement the lender has mailed me six copies of this agreement but non are legible in the area that identifies the repayment period. I have sent two letters in the past two months and no written reply from the lender. An associate of the lender has called me four times but would not discuss this matter if I wished to record the conversation as they have done in the past on a number of calls. Not sure what my next action should be at this time.
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (NJ)

I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). 

Facts, today XXXX/XXXX/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint. The foreclosure complaint is dated XXXX/XXXX/2016. Since XXXX XXXX, 2016 I have been working with my lender for a modification. I sent them a complete package and currently my loan is in underwriting since XXXX/XXXX/2016. The foreclosure complaint is premature and should not be issued due to the fact that I am currently working with my lender to receive aa modification. This is Dual-Tracking by Pacific Union Financial , LLC. The document is dated on XXXX/XXXX/2016 and at that time pacific union had an application for mortgage assistance on file. My original application submitted to Pacific union for modification is dated XXXX/XXXX/2016. I have been in contact with them as well sending more documents because they claimed were not received. 

Again, Pacific Union Financial LLC is absolutely in the Wrong for filing a foreclosure complaint while my modification application is pending. Actually, my application has been in underwriting since XXXX/XXXX/16. I originally submitted my application on XXXX/XXXX/16 and been working with my lender the entire time. I request disciplinary action immediately against my lender for DUAL-TRACKING. Please see attached foreclosure complaint! 

This is my second complaint to CFPB against Pacific Union Financial LLC! I have been getting the run around from Pacific Union since my file complaint against them! Pacific Union does n't care about struggling homeowners in default and clearly are trying to foreclose even with a complete modification application PENDING.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XX/XX/XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this :
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AL)

I signed up for a bank account with Citibank for a promotional offer where I would receive XXXX airline miles after meeting a set of criteria. I met the criteria XX/XX/XXXX and waited the three billing cycles that the promotion required to pass before I was given the airline miles. The miles should have posted XX/XX/XXXX and that 's what I was told, but I still do not have them and now my messages are left unanswered.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (FL)

I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit Management located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company needs to be banned from the US I reported 4 days ago they updated my credit report today the XXXX and lied and said that the debt was severely pass due that the card was open in XXXX They put debt is severely passed due assigned to a lawyer attorney collection agency credit card internal collection department all of these things that they left on my credit report and they just updated it today the XXXX because it showed up is a bald-faced lie They did this because I put the complaint in with you guys ( CFPB ) IT'S COMPLETE RETALIATION AND THAT'S ILLEGAL AND IT VIOLATES THE FAIR CREDITING ACT AND IT IS ILLEGAL TO IMPERSONATE A LAWYER WHICH IS WHAT THEY DID... I sent in the documents to show that this account is more than 15 years old - I sent them a cease and desist They continue to violate the fair crediting act at what point does THE CFPB government stop this company from doing this all together I want this and all of their 86 AND NEGATIVE!!!! remarks removed from my credit report completely not close but deleted off of my report completely I want Midland completely removed within three business days This is illegal now because they updated this and put this on my credit report and these are all lies My account was never assigned to an attorney that is a bald-faced lie They have no proof of that no evidence and XXXX XXXX the original credit or refuses to even talk to these people XXXX  XXXX told me that these people are crooks that they never use this company for this very reason that XXXX XXXX  has been sued multiple times because of this company My credit score is now XXXX I have never had that law of a credit score My credit score before they did this to me was XXXX This company continues to attack me because I reported them and because there's a XXXX group about them please make them remove this you guys are supposed to protect us the consumer They need to be deleted from my credit report now completely This is a lie This account is from XXXX XXXX we are in XXXX there's no way that they can even be listed as a closed account It needs to be deleted now This company is a fraud!!!! And now they're impersonating a lawyer This is illegal and my debt it never was my debt from the get-go That's why XXXX XXXX let it go because it wasn't mine I was an authorized user on this account and never used anything I don't want the account closed on my credit report I wanted deleted completely and I want all of their negative remarks all 86 negative remarks deleted now!!!!! This account is more than 15 years old It was never assigned to a lawyer that is a lie and they knew what they were doing and they knew it would drop my credit report and it would harm me at this point is harming me and my business This is not okay!!!
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (MN)

I recieved in the mail a letter explaining that I qualified for a XXXX loan which could be paid back in installments instea of the next paycheck payoff. It was mailed to me on XXXX XXXX, XXXX offer stated that I was pre approved for $ XXXX and that the offer expired on XXXX XXXX, XXXX the letter state that this was not a payday loan. nowhere on the letter dose it state the interest rate or the length of time I would have to pay back the loan amount. It simply gave me the imprestion the loan would not have to be paid back the next pay period, rather I would be able to make payments. I was hesitant in getting involved with this with concerns that it would be a repeat event from a payday loan I took out for 5 days and ended up paying hundreds of dollars back. I did not want at all to get mixed up in that again. I was given a phone number to call XXXX I called the number and started the loan proccess. I spoke with someone who I can only assume was a representative of the company. she said lots of things about loan and about truth and lending but did n't disclose the interest It wasnt till after I accepted the loan offer was I made aware that the {$400.00} loan would be financed at over 600. % interest. and that if I were going to be making all the payments I would be paying {$200.00}. on each consecutive payday ( the XXXX unless its on a weekend ) until the loan was paid back totaling {$1900.00} or a onetime payment of {$600.00}. at this point I was taken back by this info and quickly put to paper the the XXXX found out that they are not charging the amount that the interest came to be they rounded down or something. If you ask me this is a payday loan.which they faulsly claimed to not be. even worse then a payday loan have they turned out to be. I am recieving social security XXXX XXXX.which before I pay for my medicare premiums so I get {$840.00}. directly deposited into my XXXX checking account as you can guess a {$600.00} hit would be very damageing for that current month.
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Delinquent account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

There is a fraudulent charge on my account, I have spoken with the financial institution numerous times since XX/XX/2016 about the matter. The claim has been closed and reopened numerous times, and while each representative at Bank of America agress that the claim should not have been denied, the system keeps kicking it back. The last representative, after reviewing the account, explained that they keep attempting to credit it and the claim seems to be going in a loop that should not be happening. After extensively researching the claim she told me that so does not believe that anything she can do will get this to go through and agreed that filing a complaint with the CFPB may be the only way to get someone that can override the system to take care of the issue.