davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus. 
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus. 
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about it.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with my credit card.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DC)

On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (OH)

I have previously filed XXXX complaints asking for copies of the XXXX returned checks for my student loans proving that I ever received these loans and then cashed them. In the XXXX complaint XXXX they submitted XXXX check. In my XXXX complaint XXXX they sent XXXX more of the checks. This means I have received XXXX of the XXXX checks. I do not understand why they have been unable to send all XXXX at once. I would like to receive the other XXXX checks as soon as possible!
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

A company called Midland Credit Management has sent me letters and has reported negatively to the 3 major Credit Bureaus claiming I owe money to them, specifically {$12000.00}. I have never applied for or opened an account with Midland Credit Management nor have I given permission to them to use any of my personal information to open an account. I have recently reported this to the 3 major credit bureaus in addition to filing this report.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Before XXXX XXXX was transferred to Navient, XXXX XXXX, by mistake had made my Father the primary loan holder and myself the co-signer. Prior to my graduation from college 6 years ago, we had been trying to resolve this issue to no avail. 

Once the loan was transferred to Navient, a lot of paperwork was lost between the XXXX service providers, so my Dad and I began trying to remove myself as co-signer from the loan entirely. At the time, the account was in good standing, as the payment was only $ XXXX- $ XXXX/m. We were told on more than one occasion that removing myself as a co-signer was not an option. 

Now, my Father is deceased as of XX/XX/2016 from XXXX at the age of XXXX ( which Navient had the audacity to tell him he was lying about even being sick ). In light of the federal lawsuits being held against Navient, I learned that there were in fact processes that my Father and I qualified for on several of my loans ranging from income based payments ( because I made {$28000.00} a year when I graduated from school and could n't afford a $ XXXX/m payment ) to removing co-signers from a few of my loans ( my grandmother is a co-signer on some of my loans and during financial turmoil, it ruined her credit, my father 's and my own ). Now that my Father is deceased, NAVIENT told me I am the primary loan holder and no longer qualify to be removed as a co-signer, even though they purposefully withheld the process from us for over half-a-decade. 

Knowing now, that we did qualify for several programs that were never offered to us, even though I begged for reasonable programs to do so, we were constantly forced into forbearances that only increased the amount of interest we owed on my loans. There was even a point during the recession where we had all been laid off and we were told Navient 's hands were tied and we would just have to default. They garnished over {$10000.00} in tax returns WHILE MY FATHER HAD XXXX, when they had programs that could have helped us. 

All I ever wanted to do was have the ability to pay back what I owed, instead I was treated like a lowlife looking to get out of repayment, simply because I could not afford it and NAVIENT was actually withholding the programs that could have enabled me to do so. I have seen my loans increase almost 33 % over 5 years from compounded interest and I am just now able to afford paying back my loans. 

This all could have been avoided and I am deeply insulted and seeking legal council.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # XXXX.
Consumer complaint received 2016-11-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (DC)

Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Green Square Company LLC. (NJ)

My client has been contacted by a debt collection agency regarding an alleged debt. They have refused to disclose the original creditor, and when my client requested they send him a letter with information about the original obligation, the original creditor, or the method of calculation of the debt, they told him that " they do n't do that. '' This morning they left my client a voice message indicating that a " complaint has been filed '' against my client 's name and social security number, and that if I " refuse to cooperate '' they will " release information to my employer. '' I believe they have violated the FDCPA and that appropriate sanctions should be assessed against them. My client has no recollection about owing this money but they collection agency refuses to provide additional information about the alleged debt.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have sent several letters to XXXX, Experian, and Experian on XX/XX/year>, XX/XX/year>, and XX/XX/year> advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ). 
As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MA)

Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.
Consumer complaint received 2017-01-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My husband lost his XXXX business in XX/XX/XXXX. Since then he has been working in the XXXX but was getting laid off constantly due to lack of work. He is now working as a XXXX employee for a good company and we are again hopeful. 

In XX/XX/XXXX we were approved for a loan modification and right before we made our last trial payment, they switched our servicer to Specialized Loan Servicing on us and told us we had to start the process all over again. I have been working with them consistently to get a modification so we can continue living in our home with our XXXX children but they have given us the run around saying they lost paperwork, sent paperwork to the wrong department, etc. Then in XX/XX/XXXX they said was that there was a sale date on our home and there was not enough time to evaluate. I went to the Sheriff 's office and got a postponement. After that, they got another postponement of XX/XX/XXXX. Since I had n't heard from anyone ( another issue with SLS ) I called them and they told me that we were denied because of income. After finally pulling up the hard copy of the denial on the internet, I realized that they did not have current income information for my husband. 

I went to the Judge in XXXX county and told him what had happened and asked for another postponement. He granted it and the new date is XX/XX/XXXX. I have also contacted XXXX NJ and am working with XXXX XXXX who suggested I contact you. 

There is a lot more information than this as we have been going through this since XX/XX/XXXX. If you need anymore information I will gladly supply it.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,