davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! 

As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. 
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. 

The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.
Consumer complaint received 2016-03-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Social Finance, Inc. (NY)

I have fallen into a vicious cycle where I am unable to pay my debt and so it just keeps growing, and I now owe more than I take in each month. I called SoFi, a company with whom I attempted to consolidate my debt at one point to discus my options -- the original loan was not large enough to consolidate all my debt and I was unable to manage both sets of payments -- and they completely dismissed me. They said there is nothing that they can or will do. My payments are due when they are due and they will continue reporting my failure to pay to the credit reporting agencies. I have reached out over phone and email and expressed me desire to work out a plan in good faith, but they refuse to cooperate. How can one make any headway against such intractable and heartless disregard for the reality of my financial situation??
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION
Consumer complaint received 2016-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have XXXX private loans with Navient. Unknown to me they went to 120 days past due after I received a notice. In the notice they offered both settlement and installment payment plans to pay off/down the loans. I contacted Navient and indicated I wanted an installment plan as indicated by the letter and they kept pushing to settle or to pay a substantial amount to " release the co-signer ''. I kept asking about the installment indicated on the letter and they said that is only offered after a large " good faith '' payment is made. I am in no position to pay large amounts or lump sums. They keep denying me any attempt to pay in installments. After the initial call, they started calling my co-signer and the " references '' I listed on the initial application. They call daily, sometimes hourly. I wrote to both of my " account managers '' to cease and desist in calling and to only correspond in email or writing. They continue to call daily including the co-signer and references which I asked them not to contact. They indicate they will not stop calling and will " call you tomorrow '' in a harassing tone. The account managers are a XXXX XXXX and XXXX XXXX @ XXXX.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (AZ)

My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (NV)

Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.
Consumer complaint received 2016-03-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!
Consumer complaint received 2016-03-04
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is billed.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NY)

I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.
Consumer complaint received 2016-03-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This complaint is related to my previous complaint which still are not resolved. The latest was # XXXX. After systematic harassment since XXXX of 2015 I and my husband of XXXX national origin did not get our home equity loan refinanced. Today I received a bill with increased interest rate not reduced. Our rate went from 2.99 % to 3.24 %. You systematically indicate that the response is undisputed. It is disputed because we are systematically harassed and our application not processed.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX to make a payment for XX/XX/XXXX and XX/XX/XXXX. This is BEFORE the 30 day mark. The gentleman read off his disclaimer and thanked me for my payment. On the XXXX, I contacted XXXX XXXX again wanting to know if they were going to take my payment out of my account. She replied, " If you made a payment we 'll get it. '' I told her that I had made a payment and I was calling to let them know that a payment was made and it 's not reflecting on my bank account. She repeated her initial statement and I ended the call. On XX/XX/XXXX, I called to make a payment and the balance was higher than the month before. He told me that the check was returned for insufficient funds. That was a complete and utter lie. After reviewing my bank statement, there was n't a NSF credit due to trying to process a payment from XXXX XXXX. Finally, after speaking to a gentleman, he stated that " I was correct. It was n't for insufficient funds. '' Of course, I knew that. He told me that he was going to dispute the 30 and 60 days late on my report. It was removed and then mysteriously re-added. After going around and around with them they simply refused to admit that the error was on them not me. Especially, since they did n't attempt to deduct the funds from my account. They already have my banking information stored without my permission, so I did n't have to provide them with anything.Therefore, I should n't be penalized for it. I could n't see if I did n't have the funds availablity, but they simply did n't attempt to retrieve the monies. They have tanked my scores XXXX points due to no fault of my own and I am down right livid and the issue needs to be resolved.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. 

They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. 

Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. 

I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. 

It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.
Consumer complaint received 2016-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IL)

I receive about 5-8 phone calls from Navient regarding my private student loan each day. Some I missed a payment last month, Navient had called me non-stop every day on an auto-dialer. I know it is an auto-dialer because when I answer the phone there immediately is a prompt about the call being monitored and recorded. This is harassment because I am aware of my past due payment from email, and when I can make a payment I intend to. 

Also, there is no forgiveness for private student loans like there is for federal. I borrowed this loan when I went to culinary school. I did not end up becoming a chef, the college changed its name, and has since closed down. However, Navient is still harassing me about this loan when had it been a federal loan it could be forgiven by this point! I 'm owing them now so much interest it 's unlikely believable! Plus, part of the loan was for a time when I had withdrawn from the college. I ended up leaving the school on the first day of a semester, but they still charged me for laboratory fees for the entire semester! I never used the lab at all. This would be forgiven as well if I had a federal loan.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.
Consumer complaint received 2016-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (IL)

In XXXX of 2014 I received several letters stating that a debt I had with XXXX went to collections. I have no accounts with XXXX so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called XXXX which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.