davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I received a letter from a debt collector Diversified Consultants located at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX  regarding a debt for   XXXX   XXXX   XXXX   for {$130.00}. I have not used   XXXX   XXXX   XXXX   XXXX  . I believe that I have been a victim of identity theft.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (MD)

The bank charges extremely high over draft fees.   My account was  XXXX  dollar  I o verdraft It by  XXXX  dollars I Now have  7 over draft fees..  <P/>   XXXX   XXXX     XXXX   XXXX   shut down ...   I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen
Consumer complaint received 2017-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XX/XX/2017 XXXX XXXX CDT I initiated a {$100.00} transfer to the XXXX using Moneygram and received an email with a reference number : XXXX. There was also a statement in the email " Your money transfer has been initiated and will be deposited to your receivers account as designated. '' On XX/XX/XXXX I checked the transfer and it still showed a status of " In Transit ''. I called Moneygram and after being transferred several times was told that Moneygram did not feel comfortable transferring the money. I asked why, and was told that they could not give a specific reason. They said they would refund the money to my account in 2 to 3 calendar weeks.
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So on XX/XX/XXXX, I initiated another transaction of {$100.00} to the same person. I received another email with the reference number : XXXX and again stating that the money will deposited in the receiver 's account. I called Moneygram later on XX/XX/XXXX and XX/XX/XXXX and again was told that they did not feel comfortable transferring the money and the money would be refunded.
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1. I do n't understand why they will not divulge what the reason is. In the past year I sent about 15 transfers to the same person, all around {$100.00} or {$200.00}. Why all of a sudden do they feel " uncomfortable ''?
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2. Why does Moneygram send me an email verifying that the money will be deposited and then afterwards cancel the transaction. They told me that the email is sent before their security team looks at the transaction. How XXXX is that.
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3. Why do they not even inform me that the transaction has been rejected. When I use their online system, it shows " in transit ''. No clue whatsoever that there is a problem.
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4. Why when I call do they ask for multiple pieces of information, and then transfer me 3 or 4 times and each person asks for the same information and then states that they ca n't resolve the problem and they have to transfer me.
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Moneygram worked fine for a year, but at this point, I would never do business with them again. Their customer service is the worst and they have some fundamental system problems.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (NJ)

Senex Services is re porting a false medical debt on my name on behalf of  XXXX   XXXX  hospital. I have disputed this debt with  Senex Services nu merous of times and a bill was sent to me without any details as to what services were rendered nor was any contractual agreement with my signature on it was ever sent to me. I contacted  XXXX   XXXX  and was told to speak with someone from Senex Services after explaining to them that I had already disputed this with Senex but was told that there was n't anything they can do.  <P/> I want to make it clear that THIS IS NOT MY DEBT. I did not attend  XXXX   XXXX  hospital for treatment for any reason whatsoever. Furthermore, this false debt is affecting  my credit score and  is making me appear more risky to creditors and lenders. I have a stellar payment history with credit cards and installment loans on my report. this is the ONLY negative information on my credit report and quite frankly, it has and still is ruining my quality of life.  <P/> At this point, I am respectfully requesting t hat Senex Services rem ove this false debt from my credit report effective immediately. Please be advised that this is my third and last request for removal. I have tried to resolve this matter amicably but to no avail.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

The problem is with Navient and trying to get my mother released as the cosigner. I faxed the need information per their website on XXXX-17. After 30 days and no response from Navient I called and was instructed to again send copies of my pay-stubs which I did on XXXX-17. Today I called after no response from them and was told they never received them and that I needed to re-fax more pay-stubs and that it would take another 30 days. It is important that my mother be released as cosigner and I feel that Navient is stalling this effort.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have had numerous conversations with  XXXX  regarding my account #  XXXX   XXXX   XXXX   XXXX  - Which was an old  XXXX  account that was converted into  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had numerous conversations with XXXX regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into XXXX through XXXX. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to XXXX and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the XXXX phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Consumer complaint received 2016-12-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Business Corporation (OH)

I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after XXXX
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

Back in the late XX/XX/XXXX i had a XXXX credit card. I used it to buy throw pillows. When i got the bill i went to pay it at XXXX and i also cancelled the card. Reason : XXXX is too expensive! I signed a form sayin the bill was paid in full and that i cancelled it. In XXXX 2017 i got a letter from pressler and pressler sayin that they put a judgement on me for a XXXX credit card bill. They said i owed XXXX {$630.00}. And with their fees it came to {$1000.00}. I contacted them and told them i wasnt aware of this and that it was paid off and cancelled a long time ago. I spoke to a XXXX XXXX he asked if i still had the form when i cancelled it. I said no who keeps forms like that from so long ago? And he said since i didnt have proof. That i had to pay. I said nope not paying something i dont owe. And he proceeded to tell me they would harass me til my death. That i would be arrested if i didnt pay the debt. I have gone on the court website screen shotted everything and when i went back to it a few days ago half of what was on the site was gone. So the info has changed. The last time something was entered was XXXX XXXX2017 execution postcard was sent. I do n't have a clue what that is but it never came. Ive put a security lock on my credit report so they cant access it. Ive closed out all my bank accounts so they cant take anything. Ive done alot of research on these lawyers and their unethical collection practices. Im still waiting for proof that i owe this debt. They havent sent anything but subpoena questionnaires asking about my assets. Ive gotten 3 so far. One i sent in i didnt put personal info on it. I figured they had all my info why give it again? The last paper i got from them was in XX/XX/XXXX saying i had to reply in 7 days or risk being arrested.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX I notified Capital One in writing via post that XXXX charges on my statement were fraudulent ( XXXX {$50.00} each ). No response from company. In XX/XX/XXXX I called their Customer Service number. They verified that my letter was received in XX/XX/XXXX but no action had been taken by them. I called again a week later because I still had not received any further word on what was being done. Very frustrating call with several transfers. I ended call by demanding an email telling me when I would have the charge and resulting interest removed from my bill. I never got any email ever. At end of XX/XX/XXXX I called again. They said destroy my card and they would send a new one. Which they did. They also said they would contact me the next day about getting the charge and interest dropped because the supervisor was n't there that day. Apparently the entire global company only has one individual who gets things done and he or she was out that day. The charge is still on my bill as of today. This morning I called 3 different phone numbers trying to reach a real human and spent an hour in automated phone system XXXX. Capital One has violated the 30 day confirmation law and the 90 day investigation resolution law. And I have wasted much valuable time. Thank you.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (VA)

On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.
Consumer complaint received 2017-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I have not had any success removing this incorrect entry on my Experian credit file. It returns as verified, but It is too old to be on my credit file. The last payment was made on XXXX XXXX. Thank you. 

XXXX XXXX XXXX Account Number XXXX Auto Installment Loan {$3600.00} Past Due Date Opened XXXX/XXXX/XXXX Account Status Closed
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere around  2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in wh ich the Department of Education is not. Please remove all accounts from my credit report immediately. Thanks.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (OR)

Cavalry has been reporting a debt that I do not recognize and I have requested debt verification/validation multiple times. Cavalry has  not sent me anything but statements from  XXXX   XXXX . I have requested the original contract and I have requested the original contract that shows their right to contact me regarding this debt. They have failed to provide this information. In addition, they have failed to mark my credit rep ort ( s ) with an indication of my dispute. They continue to report this debt and have violated my right under the Fair Debt Collection Act to en sure this debt is mine. After I disputed this information, they continued collection efforts despite the statute of limitations being expired.
Consumer complaint received 2017-06-06
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. (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Motormax Financial Services Inc. (SC)

On  XXXX ,  XXXX , I was involved in an auto accident. My  XXXX   XXXX   XXXX  was deemed a total loss. I did not have collision coverage on my insurance policy ( see attached insurance declaration page ) and since the other driver was determined not to be at fault, I had no way of recovering anything for the total loss. So the car just sat at a salvage yard where it was taken after the accident. I drove for   XXXX   and the car was how I made a living as well. All of my bills got behind and I was struggling. In  XXXX .of  XXXX   Motor Max Financial Services, who had a loan on  the  XXXX , offered me a settlement amount of  XXXX  to pay off the loan on the car as evidenced by the accompanying letter. I worked constantly with my insurance co. to see if I could recovery anything. As a courtesy, since I had been wit h the Insurance co.  for such a long time and being a  XXXX  military veteran, they made an exception to help me. But when th e Insurance co. called Motor Max to get a pay off, they were told by Motor Max the  amount of  XXXX . The loan co. doubled the payoff amount! I fee l Motor Max Financial Services ' actions constitute predatory lending practices. A representative of Motor Max Financial Services also made disparaging remarks about me and said that I had insurance when the Insurance declaration page   clearly shows that I did not have collision coverage on the automobile.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
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My roommate at the time had already left, and signed a paper breaking the lease.
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I proceeded to move out and believed the situation to be done.
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Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
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I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.