davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This XXXX! I need your help!!. 
I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
Consumer complaint received 2017-09-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK (MD)

In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

Recently checking my credit report I've been a victim of identity theft and found credit inquiries I have no knowledge of here are a few, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from my credit report. I also have my identity theft report attached as well.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CO)

I was never on a lease with at a rental building called XXXX. i lived in the complex briefly but was never on the lease and only stayed there temporarily. Just recently I was contacted by a collection company stating that i owed XXXX. This ca n't be as I never was on any legal document. I 've attempted to have them send me the proof of debt to no avail as well as try to have the item removed by going directly to the bureaus. They are negatively affecting my ability to get a home loan at this point and I have no other place to turn. Please assist in any way that you can. Thank you
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

I received an alert on my credit report XXXX/XXXX/2016 that Central Financial control placed on account on my credit report. However I have no received any information regarding this alleged debt. I 'm not sure what it is even for. The collection did not follow the proper procedures for the FRCA regarding notification before placing the item on the credit report. Texas Attorney general will also be notified in this matter.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliant Capital Management LLC (IL)

XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I stopped by Ashley Furniture at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX back in XXXX 2017. I do not remember the exact date. I asked about a couch I wanted to buy and the salesman told me he could check my credit score to see if I qualified for financing. He asks me for my personal information. I oblige and am told that I would qualify for a particular amount. I ended up not buying the furniture, but later received a credit card in the mail that says " thank you, here is your credit card '' I do not remember requesting a credit card, though. I am positive this establishment misled me and forced the credit card on me, despite just saying they were just going to check my credit.
Consumer complaint received 2016-08-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (RI)

I initially received correspondence from American Education Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XXXX, XXXX. I have repeatedly denied that I have any loans with them. 
All of my loans are with FedLoan Servicing and have been on repayment since XXXX. I do not have any other loans which they claim a balance of {$560.00} out of an original {$1600.00}. They have refused to produce a note or evidence of a disbursement to a school I attended. They have refused to cease contact and collection after sending a cease letter dated XXXX XXXX XXXX in a recent letter stating that their assignee requests they still collect. I have also reported them to the XXXX department. I am formally filing a complaint against them and believe they are perpetrating a fraud. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXXXXXXXXXX
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

The client in this case remitted funds to his loan servicing company to reinstate his loan. The client relied on a letter from the servicing company which provide the total amount due to bring the loan current was {$44000.00}. The letter specifically stated that " This amount includes all past due payment of interest, principal and escrow as well as late charges and amount that we paid on your behalf. The letter is dated XXXX/XXXX/2016 and further stated that " in order to avoid foreclosure the client would need to pay {$44000.00} '' within thirty ( 30 ) days. The client remitted funds in the amount of {$47000.00} on XXXX XXXX, 2016 via certified mail. The tracking number associated with the remittance USPS ( XXXX ) confirmed that the servicer received these funds on XXXX/XXXX/2016. The client had requested a demand statement be provide by email but the servicer decline his request and no demand statement was issued regular mail. Later the servicer failed to honor the total amount due listed on the XXXX/XXXX/2016 letter, and is now demanding additional costs and fees and a total amount due of {$51000.00}. The servicer scheduled a Foreclosure Sale XXXX/XXXX/2016.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO 7 YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY! 

2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (DC)

On XXXX XXXX, 2017 I returned an item to XXXX in XXXX XXXX, MD. The amount of the return was {$26.00}. The return amount was credited back to my American Express Bluebird card, the same card it was purchased with. 

On XXXX XXXX, 2017, American Express Bluebird received the credit to my account but refused to release the money back into my account in a timely manner. Instead several days later the refund is still held up and not released back into my account. When I call them they say it can take several days. This is different than other credits to my account less than a week earlier. The earlier credits to my account were processed in 1-2 days from the merchants point of sale device. 

What American Express Bluebird is doing is holding my money to use for its own purposes and I believe this violates my consumer protections.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Six years ago I had my debit card stolen and someone deposit a check into my account using my PIN number. They also withdrew the remaining amount of money I had in my account. They withdrew about {$1000.00}. I let Bank of America now and they spent a month investigating and then let me know that about a week into the investigation they deleted footage from the bank of America ATM machine of the robber. I had a police report and followed all the steps that they required. I checked and there was about a $ XXXXXXXX {$500.00} limit on withdrawals so I do not know how they were able to withdraw almost {$1000.00} within a day. After about 2 to 3 years they forwarded the information to the XXXX and to this day I am unable to open a bank account because of this. Throughout this whole process the bankers at the location that I open my account where extremely rude to me and the people that were speaking to me on the phone treated me like I was a criminal even though I had a police report and they deleted the footage of the people that stole my card.
Consumer complaint received 2017-08-28
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. (CO)

Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Annual fee of my Chase credit card account, {$95.00}, was charged on XX/XX/XXXX. 

I called on XX/XX/XXXX and asked when is the last date by which I have to decide to keep the card or not without paying annual fee. I was informed that because the fee was due by the end of the billing cycle, I had time to decide until the XX/XX/XXXX Due Date which was XX/XX/XXXX. 

I called on XX/XX/XXXX twice to close the account. On the second call, I requested to close it and I heard it was closed. I cut the physical card. 

On XX/XX/XXXX, I found that my account was not closed. 
I called, and exchanged several emails with Chase agents since then, but they did not admit their error, initially saying that the account was not closed because I did not pay annual fee within 30 days after charging annual fee, which was XX/XX/XXXX I got two difference messages regarding this issue - one saying that 30 days from the date it was charged and the other saying that within the billing cycle. 

When I asked to check my two calls on XX/XX/XXXX only one call was checked or it was back to square one with an agent who neglected to read the email thread. Through this process, late fee was charged even though there was a return activity that gave a credit to my account. 

I request two things to Chase to make sure what happened : 1 ) Review all recorded phone conversations, share them with me, and verify that their agents told me that I could cancel the account by the XXXX due date ( XX/XX/XXXX ) on those calls, 2 ) Review the phone conversation on XX/XX/XXXX, share it with me, and verify that I asked to close my account and their agent was supposed to do it during the phone call, which was made before the XXXX due date.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION (AL)

I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. Please help.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX charged off an account of mine in XX/XX/XXXX. There were payments still being made. I had been under the impression that the balance was actually paid off. No communications from barclays until XX/XX/XXXX when doing a background check for employment. Found the balance double the limit. XXXX has told they tried to contact me for a brief time, ultimately it was not their responsibility and that they sold it off to a debt collection agency ( this was told to me by a member of the office of the president ). I never had such an account on my report, no such company has ever tried to contact me. The balance has been paid in full. I have asked barclays to present post dated proof, where they have attempted to contact me. I do not trust what they log in their system. That can always be altered. I want physical, post dated proof, because I was not contacted for a period of three years. Further, they charged off an account which was still being paid, I have confirmation of payment emails still in my inbox. 

I demand that this trade line be removed from my experian report.
Consumer complaint received 2017-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (AZ)

Sent certified letter to Citibank on XXXX asking the following questions : Please provide payment history on these loans. Please provide explanation why payments made over the minimum due were not applied to principal reduction. Please provide information how payments made during deferment were applied. Why were late charges assessed during loan deferment? Who authorized electronic statements and where were they sent? On XXXX requested to be taken off electronic statement. I received 2 paper statements which were paid in full. Never received another statement. Citibank responded on XXXX saying : " Loans XXXX and XXXX were sold to XXXX XXXX and Loan XXXX was transferred to XXXX XXXX. I contacted both XXXX XXXX and XXXX and neither company had any record of the loans and both said I should contact Citibank. I sent a 2nd certified letter to Citibank on XXXX saying neither company had a record of the loans and I should contact Citibank. Citibank did not respond to the 2nd letter. I received a letter dated XXXX from XXXX XXXX XXXX asking me to pay {$9100.00}.