davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: I.C. System, Inc. (FL)

I changed XXXX in XXXX 2013 from XXXX and to do this I owed a balance of {$300.00}. This same day I went down there and paid the balance. I had been in a continued argument with the office manager XXXX. Apparently to get even she sent this bill off to collections when it was n't even past due nor late. I paid it the same day! I will include proof! I have been fighting for over 4 years to get this off my credit report that they have reported it to. Not only that the collection agency they sent it to is still reporting it as bad credit.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I previously held an American Express Blue card ( " Blue Card '' ). I cancelled the Blue Card on or around XXXX XXXX. I also hold an American Express Corporate Card ( " Corporate Card '' ) through my employer. On two separate occasions, in XXXX XXXX and now XXXX XXXX, I have been charged the Corporate Card American Express Membership Rewards Renewal Fee on my closed Blue Card. When I have called American Express to resolve, it is explained to me that there is a " link '' between the Corporate Card and the Blue Card that is causing this to happen. This is not acceptable. The Card was closed by me and should not be accessible for any reason. Additionally, this charge shows up under the closed Blue Card account on my respective credit reports, which can negatively impact my credit. I respectively demand that AMEX dentify how my Corporate Card is still linked to the Card and remedy the situation.
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

I sent this collection agency as well as the credit bureaus dispute letters regarding this account. i pointed out that i do not know what this account is and it is not mine. I also pointed out that Midland credit management was illegally adding interest and fees after the account had been charged off and sold to another company. I sent a bunch of disputes over and over some were certified and some were not. XXXX and XXXX determined that this account was not mine and they removed it but it is still on XXXX.
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

Received notification of newly added collections account on XXXX XXXX from Midwest Recovery stating that I owed {$1300.00} to fictious original creditor XXXX XXXX XXXX XXXX. The account was opened with Midwest recovery XXXX XXXX does n't even include the original date they claim I received a pay day loan from the fictious XXXX XXXX XXXX XXXX company. Never once did I receive any written communication requesting that I confirm the debt in question. If the debt or account truly accurate my current address should have been in the file when transferred to Midwest Recovery for collections. I 'm more concerned that this another fraudulent account due to the theft of my identity in XXXX. This new claim has been posted on all three credit bureaus and has significantly dropped my fico score. Until then I will continue to dispute this company and how they conduct business illegally. They have violated the FCPA with there illegal reporting practices.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TN)

I applied for a credit card that a zero interest balance transfer. I never received the card, or any paperwork stating the card was active or approved. I received a bill in the mail in XX/XX/XXXX, I paid it because I pay every bill I receive. I since had a the account closed because I never received the cards, CITI opened up a new account and sent me a bill. The one they sent me in XX/XX/XXXX was due on a holiday. I sent them the payment electronically before the holiday, but it was processed the day after, hence generating a late fee. They would not waive it because the previous account had a late fee, and that late fee was generated because i never received the bill nor the cards. They said the late fee can not be waived due to a holiday, and I should have paid before the holiday which I did.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (LA)

the company is attempting to collect a debt that is and was in the wrong amount as the items were damaged that was received and had been notified of the damages upon receiving them therefore i will not pay the amount asking by the company and will only pay them XXXX dollars to remove this item and never do business with them again
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL (CO)

i was in need of dental work my credit is not that good so i was offered care credit they gave me the credit, but i only had 12 months to pay it off, every time i had more work done they did not extend the grace period it was added to the bill making it to expensive to pay off. they are crooks i called them they do not care
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (GA)

I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.
Consumer complaint received 2016-10-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC (MI)

Money Recovery Nationwide in early XXXX sent me a collection notice for some past due Medical Bills. 
I called the company to set up paying these bills, even though my Flex Spending Account was not charged from the original hospital/doctor. 
The FSA will not cover collections, and I am willing to pay the bill now. So I setup a payment arrangement with Money Recovery Nationwide. 
On XXXX XXXX, 2016 a collection was filed on my credit report. I called Money Recovery and they told me there is a older collection that is old and that was filed. The Collection is in the payment arrangements. I offered to pay the {$25.00} and they told me that it will showed " Paid '' on my credit report. 
I asked them to delete it from my credit report. To which I am told they do not do " Pay to delete '' or " deletions ''. 

This is against the agreement I made on the phone in XXXX to keep further collections on my credit report. 
I am under the assumption that the payment arrangement is to keep the collections off my credit report. Therefore I would like it removed.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****
Consumer complaint received 2016-10-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

One Main Financial in XXXX, Ohio falsely wrote the value of my home at {$37000.00}. When I said NO, that 's incorrect, he was dishonest and said he got it from the County Auditor 's site. 

The value of my home is {$56000.00} on the County Auditor 's site and the attached land is {$4000.00} for a total of {$60000.00}. NOT {$37000.00}! That 's a difference of {$23000.00}! 

This was done purposely! I was not feeling well at all that day and did NOT realize it had n't been changed to the CORRECT value as I had asked that it be. 

I am on XXXX ... XXXX. 

This is yet ONE MORE WAY that people with XXXX and usually with low incomes are taken advantage of! 
It needs to STOP. I had an average credit score, not a poor one, and equity in my home.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (WI)

XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.
Consumer complaint received 2017-01-30
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Navient Solutions, LLC. (IL)

Navient which is a branch of XXXX took over this debt XX/XX/2006 and because Navient was not able to collect on the debt has now contacted XXXX XXXX XXXX XXXX to collect the debt that is too old to be on my credit file and was due to be taken off last year. XXXX XXXX XXXX XXXX is now contacting me to collect on the debt because Navient has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}
Consumer complaint received 2017-05-20
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. (KS)

My TransUnion credit bureau was pulled by  XXXX   XXXX  Co on both   XXXX   and   XXXX   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I am XXXX years old, in the last 5 years I have had XXXX. I have XXXX, the list goes on. I recently applied with BSI Financial for a modification review and they just informed me that the investor said they are unable to help because not enough time to review my modification package. I informed the agent of my health issues and how it took me some time to get my documents together and they did not care. The agent at BSI informed me that they are not giving me any options to foreclosure. I begged and pleaded with them and my cries went unanswered, I know my day is coming I just want to die in the comfort of my own house. In a few months I would qualify for a reverse mortgage if I do n't die before then. Please do n't let this bank and heartless investor kick me out to the streets to die alone homeless. I simply ask that they postpone and review the package that I sent in to them. They did not even bother to ask me about my financial situation or anything, they are violating my CA Homeowners Bill of Rights. Please do not let them violate CA laws and further slap in the face with the way they are discriminating against me for my XXXX and Age.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MD)

I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (NH)

I have all federal loans services through Great Lakes XXXX., and for the past several months I have been attempting to consolidate my loans and start an income-driven repayment plan. I began this process at the beginning of XXXX, hoping to avoid running up against the deadline of when my loans became due ( end of XX/XX/XXXX ). Each time I have called Great Lakes, someone has given me different information from the person before and after him or her. Often information has been, apparently, misleading or just incorrect. Currently the processing of my payment plan is being held up because they need documentation of my income. My account will show that I have attempted multiple times to send them such documentation, but due to the incorrect information, each time that information I sent was not exactly what they needed. I have been on the phone with their customer service probably a dozen times or more since the beginning of XXXX, and at no time as a service agent actually given me truly helpful information about the process of loan consolidation and beginning an income-driven repayment plan.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as XXXX