davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
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XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.
Consumer complaint received 2016-06-22
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) (TX)

The number that called is XXXX XXXX XXXX. They told me that I owed ace cash express and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this XXXX but no luck so far.
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (TN)

I am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, XXXX stated in the paragraph number XXXX : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted the XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, XXXX in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, XXXX, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, Tenants Screening Companies, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and Tenants Screening Companies until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XX/XX/XXXX and got discharged all debts.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (GA)

I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with XXXX
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC (WI)

On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (MN)

I called  XXXX  and try to find out why my bill was {$1700.00}, and   XXXX   XXXX   finance department stated the account is with an outside agency then transferred me to RPM ( Receivable Performance Management ). I tried to explain my situation to the first agent at RPM, she discontinued the call. I tried again, it was discontinued and the third time it was transferred to the escalation department.
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The RPM escalation department agent then gave me two options, dispute the balance immediately or request for a detailed bill from   XXXX   which will be sent to RPM to review then she 'll get in touch with me. She stated it will take about 30 days for RPM to receive the detailed bill from  XXXX . If I decided to dispute the balance now, then she could go ahead and do that. But, after the dispute she 'll need a bill to review the items I am disputing ( which does n't make any sense to dispute now if she needs a detailed bill from  XXXX  to begin with. ) While talking about these options, the agent told me I have 89 days until they put this on my credit bureau and ruin my credit. A reminder this 89 days is counting down while   XXXX   and RPM figuring out their processing of receiving and sending the detailed bill.
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I tried to ask why that is and the agent told me there is nothing I can do about it. Then stated she 'll start with the dispute now. She stated there 's nothing I can do about it as if I do n't know my rights. She also suggested I pay the bill now and dispute the bill items later, which I think is ridiculous because the bill is not yet verified.
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Furthermore, RPM never once sent me a letter at my house which they claimed to have done. I asked if they could send me a letter again, they said they already have sent it and will not send it again.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

XXXX card was separated from Costco in XX/XX/XXXX. Citi took over the account in XX/XX/XXXX. We had the amounts charged to Citi auto paid. At the end of five months, Citi has taken more money from our account than we owe. by {$680.00}. After more than two and a half hours on the phone with Citi, and XXXX emails, their only response is that we can go over the line items charged, line by line. The question is not what we have charged its that they are not applying the money that has been auto paid to citi. I have documentation of this. They will not accept the documentation. However, they have added erroneous charges to our account. I have taken the auto pay off the account. I have the paper statement now, and the amount Citi says we owe has grown inexplicably. Citi can not explain it either. I would like someone to review our payments, that Citi agrees we have paid, verses the charges that Citi says we still owe. To date, they now owe us {$680.00}. Please help!
Consumer complaint received 2016-07-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (GA)

I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Utah System of Higher Education (TX)

Recently - I have received threatening/harassing phone call & Emails from XXXX XXXX. XXXX XXXX - ( originally dealt with XXXX XXXX XXXX ) - examples are as follows : CONTACT # XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX " I am interested in Income Driven Repayment, and I authorize XXXX to place a forbearance on my account to satisfy any delinquency accrued on my account. I plan on applying for Income Driven Repayment through the Federal Student Aid website referenced on my email. I understand any unpaid interest will be capitalized. " ( these are XXXX generated words in an email } - I attached the words below to the email : FEDERAL TRADE COMMISSION WILL BE CONTACTED FOR THESE UNNECESSARY THREATS - MY BILL IS PAID EACH MONTH. XXXX XXXX CONTACT # XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX I HAVE CONTACTED BOTH FTC & XXXX XXXX XXXX ABOUT THE THREATS I HAVE RECEIVED FROM THIS COMPANY - EMAIL/ PHONE CALLS : XXXX XXXX XXXX / XXXX XXXX XXXX - YOU PEOPLE ARE DOING THIS BECAUSE YOU THINK YOU CAN GET AWAY WITH THIS - I REFUSE TO BE BULLIED BY XXXX EMPLOYEES - I WILL ALSO CONTACT LEGAL AIDE - IF I CA N'T GET HELP FROM THE ABOVE MENTIONED ENTITIES - I AM PAYING MY BILL EACH MONTH - YOU HAVE NO RIGHTS TO THREATEN AND HARASS ME. XXXX XXXX - End of second Email to XXXX. 
I also received threatening mail from XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Monday - Thursday XXXX - XXXX ; Friday XXXX - XXXX / XXXX The letter refer to my account as being delinquent although my bill is paid diligently each month - I supposed the amount is n't large enough to satisfy XXXX although its ' as much as I can pay - I 'm not living high - I drive the same car I purchased new back in XXXX when I worked for the XXXX - now I work for XXXX XXXX XXXX XXXX XXXX XXXX & the pay is minimum wage but working with XXXX is completely life changing & fulfilling. I do the very best I can to meet my financial requirements & am NOT shrugging off my responsibilities. The representatives of XXXX are acting like bullies - This is totally unnecessary for a customer who is paying the bill. Please advise me - Thank you for all your help & assistance. 
Respectfully, XXXX XXXX XXXX XXXX has n't been contacted yet - but I will - if you ca n't help me. 
This bill is for XXXX ( XXXX XXXX XXXX - a sham, a so called " business college '' - now Defunct.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

hello Last XX/XX/2016, i let the car XXXX XX/XX/XXXX in the salesman XXXX and i film a video making the deliver to him in XXXX XXXX Dealer within three weeks of having the car because he were demanding a down payment of {$500.00} dollars not agreed in the contract signed on XX/XX/2016 Today I received the Santander financial account for {$350.00}, Santander do n't ask for any down payment, the XXXX payment for a car that I returned to the Sale XXXX in XXXX, XXXX , NC XXXX, 19 days ago and that they premeditatedly and in bad faith have not informed the Santander financial institution that I do not have the car and have not returned the loan money to them. 
I asked to inform Santander that I had returned the car to XXXX in XXXX on XX/XX/2016. I do not want that car precisely because they were asking me for a down payment of {$500.00} off the contract and they can not force me to do something that we did not agree on the contract and that I do not want to do. Before 30 days I returned the car, before the term granted to me by law
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned it.
Consumer complaint received 2016-11-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

Account # XXXX as reported to XXXX XXXX XXXX XXXX XXXX, XXXX To whom it may concern ; I am writing in regards to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. 
This vehicle was repossessed in California on or about XXXX XXXX, and resold at an unknown date. 

Under the laws of the State of CAUCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

GM never provied copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Because GM never provided this information, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Guy C. Zukeran, Attorney at Law, LLLC (HI)

The debt collector, XXXX, researched my new address ( they did n't have mine on file apparently ), and instead of sending me a correspondence requesting I contact them or pay my debt, they issued a law suit! Fine, I owe the debt, I need to pay it right? I get it, I am okay with that. But they should have asked first. But my real complaint is that they served a summons with my personal information about debts I owe to a roommate! This information did NOT need to be made public in the form of the lawsuit nor the summons to my roommate if they had just contacted me to begin with. This needs to stop.