davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (TX)

DSG Collect called my cell phone number while I am at work to attempt to collect an alleged debt my wife owes.. The concern is that the collector dialed my cell phone and I do not recall ever authorizing this collector to dial my cell phone. Thereby, violating my rights under the FDCPA guidelines.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has lied and claimed XXXX different companies said something that none of them said and has refused to back up proof, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me by being mentally challenged. Give me a XXXX or 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I had an issue with a customer service group at the number listed on the back of my credit card. The rep could not resolve my problem, so I asked for a supervisor, which I was given. The supervisor did not resolve my issue. I asked for a manager. She refused to pass me to a manager. She stated she was the highest level of authority I could speak to. I asked for a corporate phone number. That was refused. I was given a physical office address to write and snail mail a complaint to. I contacted directory assistance, and the number listed for that address rings fast busy all day ( on purpose ). I tried the web site. No phone numbers or addresses are listed on the site. I tried their live chat on the site. The representative could only refer me to the original customer service number. I am wondering if my only recourse is to cancel the card. My issue is that despite having had the card with the company for XXXX+ years with an impeccable payment history, each payment over {$500.00} has a XXXX day hold placed on it, despite the method of payment. My payments were EFTs, and therefore immediately transferred. The EFTs are also being held. Based on the customer service reps ' responses, it appears they are doing this to all customers. I understand the bank may be concerned with bad checks and are initiating a hold. However, on customers with clean histories? On customers paying by EFT? On all their customers?
Consumer complaint received 2016-06-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (FL)

Reverse mortgage solutions had my parents sign a mortgage they were not capable of signing in XXXX and also never provided and allowed them by law to take the mandatory XXXX seminar for reverse mortgages before signing paperwork not allowing them the opportunity to insure their mortgage. Also a banker went to their home after they had XXXX just recently been hospitalized from surgeries and had then sign paperwork while under the influence of heavy marcotics from their doctors and my father was not able to read and write and he was just told to sign anyway. My father told me before his passing he did t understand what the reverse mortgage was and what was going on and how my mother and father would have never signed it if they had understood what it was.they have refused sinc XXXX XXXX to provide me paperwork, to speak with me about reconstructing this illegal mortgage and refuse to provide all documentation my mother and father have signed. I have been refused and they respond with either silence or a crazy answer having nothing to do with what I requested dozens of times. They are purposely threatening and using intimidation tactics on behalf of their legal tepresentative who feels it is legal to add {$1200.00} weekly and sometimes twice a week to my parents reverse mortgage and call it corporate advances and refuse to give me any break downs of the " corporate advances ". 
They have also sold this low. After XXXX of my parents passed. 
They continue to do illegal things.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a p

ayment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification. 

I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber. 

Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back. 

Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016. 

Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX. 

I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties. 

Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance. 

After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification. 

Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.
Consumer complaint received 2024-08-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am unable to access my annual free credit report online, place a security freeze online, dispute an item online with TransUnion. Every time I try to access any of these services which should be free ( except adding the security freeze ) online I get an error. I have contacted Transunion customer service numerous times and they not helped with determining what the issue is with my access to online services. They either do not have or refuse to provide me with any technical support regarding their website so I can access my information.
Consumer complaint received 2017-12-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (FL)

XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
Thank you.
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (NY)

XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.
Consumer complaint received 2016-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AVANTE (FL)

applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.
Consumer complaint received 2017-12-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We opened 2 CD accounts with Wells Fargo payable to the XXXX 's XXXX XXXX XXXX for our bond which is required to have an active XXXX 's license in California. The CD bond money is the property of XXXX 's XXXX XXXX XXXX and as such can not be accessed by ourselves and more importantly Wells Fargo. As per the attached letter we have made our position to Wells Fargo quite clear. In essence Wells Fargo 's actions caused us losses of personal health, customers, job income, legal fees and time. Wells Fargo contacted us and asked if we would accept {$1500.00} for the unauthorized closing of the CDs which we declined. Subsequent to this offer we entered into a mediation process. During the mediation the Wells Fargo representative who had previously contacted us lied about what the {$1500.00} offer was for. Instead of admitting that the offer was for the CD 's he said the offer was for an unauthorized credit card that they opened which occurred the same day they closed the CD 's.  The credit card issue was never mentioned in that conversation and in fact Wells Fargo made a {$200.00} offer which we accepted as settlement in full for the unauthorized credit card in our name months before he called us about the CDs. We are not certain where we go from here so we are appealing to your agency for help and direction
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JH Portfolio Debt Equities, LLC (TX)

Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I called Synchrony Bank at ( XXXX ) XXXX on Wednesday, XXXX XXXX, XXXX at approximately XXXX XXXX to discuss an abrupt hike in my monthly payment amounts on two jewelry purchase accounts which I have with Synchrony Bank, associated with jewelry purchases made at XXXX XXXX XXXX 
The Synchrony Bank associated with whom I spoke, named XXXX, stated that on my more recently opened of my two XXXX accounts, a late fee of {$27.00} had been assessed, allegedly pursuant to said account being set up by XXXX XXXX, XXXX. I corrected XXXX for assessing XXXX XXXX arbitrarily as the set-up date for the account, since I actually set up the account with XXXX XXXX XXXX on Saturday, XXXX/XXXX/XXXX as sales receipts clearly indicate. It would be perfectly unreasonable for a payment, first estimated to be {$93.00} and mysteriously escalating to {$100.00}, to come due on the XXXX of the following month, as I explained to XXXX, who became very evasive with me, to the point of continually wanting to get off the phone rather than to confront the issues that I was raising, blaming XXXX XXXX XXXX ' record-keeping although the documentary trail on the merchant 's side is clear. 
When in response to XXXX 's evasiveness I advised her that I would refer the matter to someone who could help me resolve this problem, XXXX expressed concern not over any issues raised, but rather over the possibility that I might involve regulatory authorities. 
I have ongoing issues with XXXX 's business practices, especially the dearth of firm paperwork, mirroring that of companion merchant XXXX XXXX XXXX, clearly specifying as opposed to verbally estimating fees, and subsequently accumulating and assessing late fees with no warning in terms of dunning letters or other clear advisories as to payment terms prior to assessment of late fees. Statements are rare, and usually serve only as notice of late fees already incurred.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Finance System of Richmond, Inc. (IN)

I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. 
**This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. 

XXXX XXXX
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, XXXX I made my usual monthly credit card payment using CITI Cards telephone payment system, as I normally do every month. Within a few moments I received a text message confirmation on my smart phone that the payment had been completed, date and time stamped on XXXX/XXXX/XXXX. Confirmation # XXXX. When my XXXX statement came in the mail, I read that CITI Cards had dated my payment on the XXXX of XXXX, and had charged me a late fee of {$25.00}. I called Customer Service and notified them that this was not correct, as shown by their own text message notification/confirmation system. They refused to reverse the charge, without any satisfactory explanation. My payment was made on time, the late charge of {$25.00} should be reversed, and credited to my account.