davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Neuheisel Law Firm, P.C. (CA)

I am reaching out to you in regards to accounting issues with XXXX XXXX XXXX. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with Neuheisel Law Offices. Upon transfer to XXXX XXXX XXXX an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XX/XX/2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, XXXX XXXX XXXX is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.
Consumer complaint received 2018-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (NE)

Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 
2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 
3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 
4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 

5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. 

Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (KY)

In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a XXXX XXXX for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

Around Spring of XXXX I was underemployed and fell behind on my two Citi credit card accounts. I called Citi to figure out a payment arrangement ( according to their records, on XX/XX/XXXX ). The arrangement was to make the accounts inactive, consolidate them, and for me to pay $ XXXX/month toward the outstanding balance until the bill was paid off, which was to be automatically deducted from my primary checking account. Every month, I have {$50.00} deducted from my checking account to pay towards what I assumed was our payment agreement. For over two years, I have been under the assumption that I was paying toward the total as agreed. 

In XX/XX/XXXX, I received a court summons from a debt collector called XXXX XXXX, XXXX, who claims to have ultimately bought the debt of one of my credit accounts from Citi in XX/XX/XXXX. The outstanding balance on the account was listed as the same amount as the final statement I received from Citi in XX/XX/XXXX, which was {$2900.00}. According to the summons, Citi charged off the account on XX/XX/XXXX ; 11 days after I made my payment arrangement with Citi. 

In XX/XX/XXXX, I called Citi to talk to a representative about this situation. After getting passed around through a half dozen agents, someone was finally able to locate my apparently defunct account information. The agent confirmed that I spoke with a representative on XX/XX/XXXX, and created my payment arrangement of {$50.00} per month towards my outstanding balance. The agent then said that the account was sold to XXXX in XX/XX/XXXX, but gave no reason as to why or how. When I pressed that this was all clearly done in error, the agent seemed to agree that it was a mistake, but was adamant that it was no longer Citi 's problem anymore, and that I needed to contact XXXX to work out payment with them. I had the agent send me the statements of the defunct account in question. 

After receiving the statements, the most recent statement reads that the minimum payment due is {$50.00}, is due on XX/XX/XXXX, and that I am in a payment program. All of which confirms what I am saying, and that this was done in error. 

In short, I am being sued by a debt collector, Unifund, due to an error made by Citi regarding my account that was in a payment program that I have been paying toward. Citi, or at least the agents that I have spoken to, seem entirely uninterested in helping alleviate their mistake. 

Side note : After 'answering ' the initial summons, the plaintiff, XXXX, has made a list of requests that I find would be next to impossible for any normal person to fulfill given any amount of time, much less than 30 day time period in which they dictate a response.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, Experian and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a complaint in response to a previous complaint # XXXX : ( You can reference this prior complaint to access the details. ) This is a follow up complaint against Bank of America for closing our newly opened joint checking account. My original call to the bank about this resulted in speaking with someone who told me that they had decided to cancel/close the checking account, and that they did not have to give any reason for doing so. I was also told that we could NEVER open another account with BofA again, ever! But, I was told that I could keep my BofA XXXX card with a {$40000.00} limit ( which, by the way, has a {$0.00} balance )! It was at this point that I filed the first complaint with CFPB. In response to this complaint, I did receive a return call from Bank of America, but their response was what they originally said, that is, " We don't have to give a reason for closing your checking account. '' However, the representative did suggest that we should order our reports from XXXX, and that should show what the reason was. He also said we could try to open an account again, which is in direct contradiction to what we were told before. We received our XXXX reports and they show nothing in regard to any reason for Bank of America closing our account.

Therefore, I contacted Bank of America again and was directed to call the Risk Department at phone # XXXX. I spoke with several different people and eventually ended up with XXXX who, after listening to my issue, put me on hold for 26 minutes, only to come back and tell me the scripted answer " We don't have to tell you the reason for closing your account. '' This answer, which is not really an answer, is totally unacceptable. Since the XXXX reports showed no cause for termination, we can only assume that we have been discriminated against. I will extend to Bank of America 2 weeks from the date of this complaint to respond with an actual explanation and an apology. I believe it is my right to know why I would have a checking account closed. I have no outstanding bills or credit lines, etc ... and have a FICO score in excess of XXXX. I also had been a BofA customer for over 30 years with several accounts that never had an issue. How do I know if my information may have been confused with someone else? Or did some BofA employee just decide they didn't like something in my information and made the decision to close the account? If so, why can't they tell me what the determining factor was? Or was there no actual reason other than someone's whim to discriminate against us for some reason? If this attempt does not resolve with an acceptable answer, my next recourse will be legal action and social media exposure.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (VA)

XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Consumer complaint received 2018-03-09
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. (VA)

XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX CREDIT cards and XXXX  XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account XXXX : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA XXXX I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins ....
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a po box for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

15 U.S. Code 1692g - Validation of debts -i never received the first 30 day notice under federal law that shows XXXX XXXX has my important identifying information which is very frustrating and falls under fraud. they need to remove both collections they have placed on my credit report. 
They are also in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2018-07-17
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: NAVY FEDERAL CREDIT UNION (OR)

Navy federal Credit union has been reporting for almost 2 years the following account : XXXX, {$500.00} credit limit, {$270.00} Delinquent Balance, open XX/XX/2013. I'm listed as an authorize user, on my XXXX  Credit report. It has been verified as my account for about a year, when I finally contacted Navy fcu, on XX/XX/XXXX, and spoke to XXXX. The had difficulty locating the account ( I do not have any open accounts ), and ask me quite a bit of my personal information which I didn't feel comfortable giving. They informed me its not my account, I'm listed as authorize user, and that I had to submit a fraud Claim with them to get it remove from XXXX. XXXX informed me they would contact me after they complete a 90 day investigation. No correspondence whatsoever, and they continue to verify it when I dispute it. Even worse in XX/XX/XXXX or XX/XX/XXXX of this year, they made the late payment history more extensive, by literally adding an extra year of late payments which cause my score to drop a 100 points. They are directly responsible for me not being able to use my credit, and only getting approved for {$1000.00} limit credit card. This is abuse of reporting at its finest, and worst of all XXXX  constantly refused to delete this item, even when I clearly showed them it was not mine and what they did.