davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years.
XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements.
Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.
Consumer complaint received 2015-06-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KY)

The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (DC)

My bank is obligated to dispute charges that I report, and they have repeatedly refused to do so.  As their customer, it is the bank's job to advocate for me as their customer.  The charge I asked them to dispute took place on XX/XX/2015 in the amount of XXXX.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a XXXX XXXX/XXXX/2015 and was approved for a XXXX credit. I was told this account would report to transunion and I should allow XXXX days to see this account on my report. After XXXX days I called Transunion and was advised they do not show this account being send to them on my report. I called XXXX and was told they reported on XXXX XXXX, 2015, XXXX 2015, XXXX 2015, XXXX 2015 and was also given a XXXX increase due to my on time payments. 

Please update my credit report with the information XXXX XXXX XXXX reported.
Consumer complaint received 2015-06-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding my previous complaint I have spoken to the bank and they do n't want to lower our payments and say that we should do liquidation. I do n't want to lose my home and I do n't want to do a short sale. I 'm willing to pay however the payments the bank wants are outrageous. 
My complain was : We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.
Consumer complaint received 2015-06-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

We sustained loss due to ice storm. Insurance pd {$14000.00} which check we signed and Priority mailed to PennyMac on XXXX XXXX, 2015 yet I had to beg for release of monies. I have spent over {$9000.00} in repairs and have only received from PennyMac {$4800.00} on XX/XX/2015. - I have repeatedly asked for more and sent receipts to loss draft dept. They then demanded an inspection at my added cost of {$40.00}, which was completed on XX/XX/2015 and declared at least 70 % repaired. Yet my requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus emails to loss draft have yielded no information on when or how much they will release next. How am I supposed to repair with no money? I paid for insurance and PennyMac is withholding my funds. On XXXX at XXXX pm I received a voice mail from XXXX at PennyMac saying I should receive a check on XXXX XXXX from XXXX. No amount specified. Really! It will probably be only another {$4800.00}. instead of the total. This is totally unacceptable. I have contractors who want XXXX up front and I have no money at all. I want all my funds released so I can finish the repairs. My husband and I are on XXXX and a XXXX. We have not had a kitchen in XXXX weeks and I ca n't pay contractors with no money from bank. There are additional code enforcements required from the Town building dept and I have to pay for those repairs before I can be reinbursed on a supplemental claim from insurance company and I forsee this saga lasting months from now. This is not right. The roof leaks but the roofer wants XXXX of the {$7400.00} to repair up front. This just goes on and on. We applied for a loan to speed up the fix and were denied. I have sent the bank all receipts for our out of pocket over {$9000.00} paid so far, yet they wo n't release our insurance money.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

On or about XXXX XXXX, 2001, Wells Fargo on behalf of XXXX Mortgage, filed a defective reconveyance when a loan was paid. The defective reconveyance referenced the incorrect county document number and therefore an outstanding mortgage still shows in the chain of title. All appropriate materials, including the county documents and original loan documents were sent to Wells Fargo Home Mortgage via certified mail. There is no phone number or way to speak to anyone at the written correspondence department. A month has passed with no contact from Wells Fargo. The carrying costs are substantial. A contract for sale has fallen out of escrow because of the silence when presented with their error.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Robinson, Reagan and Young PLLC (WA)

I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (VA)

I have received at least 2 phone calls a day for the last 2 months from different numbers saying I owe a debt to XXXX ( that I am not sure I owe ), when I or my husband ask who is calling I get no response, I asked them to send me a letter verifying who they are and have not received any letters. They very rarely leave voice messages but threaten my credit and legal action when they call.
Consumer complaint received 2015-06-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (OH)

I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc. (VA)

Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (AZ)

Spoke with collector, XXXX and was spoken to in a derogatory tone, she refused to provide validation, she told me to go back to original creditor to get my validation, she then stated she is sending invoices, I told her that is not proper validation and she hung up, I called back and spoke with XXXX XXXX, he was just as rude and bullying as the last collector I spoke to, he forced me to send him a letter stating my dispute, I did, I called to make sure he got it and he again was condescending and rude, I called again a few days later and spoke with XXXX attorney XXXX XXXX and he refused to do anything- ( XXXX never gave me a mini Miranda and XXXX and hung up on me when I asked him to remove this from my credit as it is not mine.
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

Navient calls my elderly mother several timers per day and late into the evening. My Mother is XXXX years old and XXXX. I have contacted the lender several times and explained that I will repay the loan and I 'm currently in the process of consolidating the loan through XXXX ( Dept of Education ). However, Navient continues to call.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. 
The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Our previous apartment complex ( XXXX XXXX managed by XXXX and owned by XXXX ) charged us an additional cleaning and repair fee, claiming that there was drywall damage outside of regular wear and tear. We were in constant contact with them until they assigned us a " specialist '' from their accounts receivable department who sent us an email with the same statement they had originally sent, as well as a pdf document with pictures they had claimed were taken during our final inspection ( I was present during the inspection and no pictures were taken. ). The person that did the final inspection assured me that we should not be charged anything because the apartment was well cared for and clean. He did not see any damage beyond normal wear. The pictures on the file were just pictures, there were no notes as to what they were claiming were the issues. We disputed the email yet again, and asked for invoices to support the cleaning and repair charges. We had also stated that our deposit should be more than enough to cover the remaining utility bill. The specialist did not respond to us and did not inform us of anything. The company also did not contact us further after this so we considered the case closed. A few months ago, they had placed us in collections for the same things we were disputing, which we reported as fraudulent to the CFPB. The debt collection agency responded with invoices which we had never seen before. The invoices also did not have an invoice number, no transaction date, no contact information of the company issuing it, and no form of payment used, along with other things that made them look completely fake. The debt collection agency has been continuously contacting us since then.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Transfinancial Companies, Inc (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

XXXX XXXX reported wrong to the credit reporting agency. They reported wrong in XXXX and XXXX of XXXX when they received payments on time for their loan. Both of these were received on the XXXX of the month and processed the same day. On XXXX of XXXX they also reported late when the payment was received in the month that it was due.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson, Reagan and Young PLLC (MO)

I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work.