davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Consumer complaint received 2017-03-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I first discovered this from a statement from XXXX XXXX / Synchrony Bank dated XX/XX/XXXX for a charge from Belk Reward Card for $ XXXX.I I have never received any form of a bill or statement before this. Then I found out thru my XXXX credit report that the charge was reported as a negative on my credit report. Furthermore XXXX said the original charge was not reflected on my credit report until XX/XX/XXXX for {$74.00}. They said it was charged though back in XX/XX/XXXX. The late charges were being added thru the years to this account when I never once received a notice or bill until XX/XX/XXXX. 
Then to clear my account I made the mistake of paying this in full without my knowledge of these late charges or even who actually charged the original {$74.00}. Synchrony Bank told me if I paid in full it would be removed in 30 to 45 days from my credit report.I paid with a XXXX XXXX debit card in full the {$330.00} XXXX. I am disputing who made the charge and why I never ever received a statement until XX/XX/XXXX.I was then told by them it would be 7 to ten years before it would be removed. I pride myself on my almost perfect credit score and feel this is definitely some type of fraud that I would like to dispute.Please help me with this process Thank you, XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Phoenix Recovery Group (FL)

Recently I reviewed my credit reports from XXXX and XXXX and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I 've sent them certified letters requesting that they validate this debt. I received a letter from them in XXXX XXXX with a signed copy of my lease and documents stating that I owe monies for rent in XXXX XXXX. I sent Phoenix Recovery Group another certified letter which they received on XXXX XXXX, XXXX presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on XXXX XXXX, XXXX. I moved into my new apartment on XXXX XXXX, XXXX which I have the lease for this. How can I owe a debt for the entire month of XXXX if I returned the keys back to them on XXXX XXXX, XXXX? 

I have not heard back from them in regards to the email that I sent and was received on XXXX XXXX, XXXX. After further research I found of that this company is not even legally licensed to collect debts in the state which I 'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. 

I contacted XXXX XXXX XXXX to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. 

I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I called Experian XXXX/XXXX/16 and tried to delete some incorrect personal information from my credit reports and they refused to which I do know is a violation of the FCRA. There are many incorrect addresses reporting on my credit report as well as phone numbers and employers. They even told me to file a police report for fraud which I know nothing about. 

I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that they are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : 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 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, 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 XXXX XXXX XXXX , XXXX , XXXX, XXXX
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I did a XXXX loan thru comenity capital bank it was an 18 month interest free loan we had signed up for e-billing, however the statements ended up going into spam after the initial setup, but we always logged into our account first week of the month to pay since we knew was due, the 18 month grace period expired and they are billing me for past interest, A -- the only way we realized the oversight was when I received a TEXT for past due amount about 2 weeks after expiration date, the payment in fact had already been made and when we looked at account we saw balance had jumped by app {$2000.00} B -- I called right away and was told about the expiration so I immediately paid the principle and said I would not pay outstanding interest, I have contacted them numerous times to resolve this issue to no avail and they want me to pay {$2000.00} for a less than 3 week oversight C they continually harp on the notice in the statement, even if I did receive the statement there is only ONE small line in a XXXX page statement with the expiration date noted D -- also they can send me a text about a past due amount [ that did n't even exist at the time ] after the expiration and yet could n't send a text that the grace period was about to end F I have told them numerous times I will not pay and send to collections and to stop adding obscene interest charges on top of interest charges G their notification policy sucks and is strictly selective to their benefit and they take advantage of minor oversights with absolutely no regard for people
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (ME)

I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.
Consumer complaint received 2016-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

I had submitted my payment before my due date however my payment was never applied to my loans. I called multiple times over the past two months to get my loan reapply to my loan so that my I would n't show that I was delinquent. Each person that I spoke with told me he would be done in two days 7 to 10 days, however every time I look at my loan balance it still does n't show the payment applied. Each time that I call everyone assures me that it will be fixed however a week has gone by and still the loan has not been applied to my account. The service that I have received is completely unsatisfactory and fraudulent I have paid my bills on time and that 's how they should be reflected.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I received my American Express Business card and I called and had my card activated tried to make a purchase via the telephone and was advised that my card was not valid, I called American Express rep and asked if they could verify that my card was active and the customer service agent stated she did various charge test to see what the card limit was, as I was seeking {$45000.00} to do a business purchase. The customer service rep stated she could not help and suggested that I could do a wire from my business account to my American Express Card and then pay for the transaction in that manner. I swiped my card to conduct the business transaction to purchase inventory from my XXXX to put into XXXX and I was told what I did was illegal and they had to cancel both my personal and business cards. I explained to the supervisor and my account rep XXXX, when the transaction did not go through I proceeded to do a test transaction for a lesser amount to see if that was the issue and because I did a test of a lesser amount I am being penalized. As advised from the supervisor that this will report on my credit report as " cancelled '' and she stated that would be a negative rating on my file. I explained to the supervisor that I have worked extremely hard to maintain my credit and any negative marking would damage me doing business and personally. I requested to direct me to the credit card agreement, where it says that I have broken the rules for this card and she said, unfortunately for me because I did perform a test on my card after I tried to do a purchase I was not suppose to do a test at all. They provided no disclosures in the credit card agreement about doing test transactions. I explained it was used in a business merchant account, she said they thought I could be trying to stick {$45000.00} in my personal account.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed a {$230.00} cc charge XXXXAT on XX/XX/2016 on my XXXX card. They have not reversed out the the disputed item charge even after I provided the necessary documentation. XXXX keeps talking about a dispute charge with XXXX. I never disputed a XXXX charge.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/2017 we received a counter offer from Carrington stating they needed $ XXXX net proceeds, which he said we could get from cutting commissions and fees. 

On XX/XX/2017 Buyer increased their offer and we cut fees to meet that minimum net proceeds of $ XXXX. A price addendum and matching HUD was submitted to Carrington. 

Today, XX/XX/2017, Carrington issued an approval letter that was higher than their stated minimum net. Carrington further reduced the commission and decided to keep the additional proceeds - over and above the $ XXXX net they told us the buyer needed to meet. We spoke to the negotiator who said she would take it to her manager. When the manager called back he created a whole new story about their minimum required net. 

During this call the manager made jokes that they would just foreclose on it themselves so they could assign it to their in-house re-sale real estate group and make the commission on it themselves. This is a gross conflict of interest. 

We also addressed several other issues. Carrington has broken into the home. Carrington has changed the locks. They have stolen caretaker 's personal property. Carrington has removed the Listing agent 's For-Sale signs on the property. Carrington has put one of their own for-sale signs up with their phone number ( this is a violation of state law and tortuous interference of the listing agents Listing Agreement. ) Carrington also put a login sheet in the house and a No-Trespassing Sign on the property. 

When we confronted the manger about these issues he laughed and pressed us on whether the buyer would cancel the file. If this were a true loss mitigation attempt and not an outright attempt at servicing fraud this would not likely have been his stance. 

When told we were going to file a CFPB complaint against them, the manager also laughed and said the CFPB ca n't do anything to them. 

XXXX It 's obvious Carrington intends to push this into foreclosure in order to list the property themselves with their in-house real estate group. This is the exact same thing Carrington did on another short sale we had with them - on which we also filed a CFPB complaint. We would be happy to provide to the CFPB a copy of that complaint as well. The last time Carrington did this a senior VP called and cussed us out for defending our client 's rights, while they committed gross servicing fraud.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (IN)

Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately six weeks ago, I applied for a home refinance with Bank of America that required a fee of {$470.00} to conduct an appraisal. At the time, i was told that the fee would not be collected until the appraisal was done. My refinance was not approved and the appraisal was never done. In fact, the order with the appraisal company was cancelled. I made three written requests to my loan officer to get a refund of my appraisal fee during a period of two weeks, and there was no response to my request. I have an email from my loan officer promising a refund if the appraisal is not done, but he has subsequently ignored my requests for the refund. 

The purpose of my claim is to get the promised refund of {$470.00} for the appraisal that was never done. 

Attached are XXXX supporting documents. The first is the set of disclosures for the loan. The second and mroe relevant document is a diary of all of the emails between me and my loan officer that show my numerous unanswered requests for a refund of the appraisal fee, the pormise from the loan officer that I would get a refund if the appraisal was not done, and the acknowledgement that the appraisal was not done.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.
Consumer complaint received 2016-05-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (NJ)

Dear CFPB, This is another of a long lists of complaints that I have written to you. Your last response was that, since I had procured legal assistance, you would wait until the process was complete and wanted to hear the results. 
I am getting ripped off. My Attorney, XXXX XXXX, seems to have no argumentative strength. 
Caliber Home Loans, who purchased a fraudulent mortgage against my home from XXXX, is attempting to force that my name be kept on the fraudulent mortgage. I have been fighting against this and communicating about it for eight years and nothing has happened. 
I have to request that you come into this fray. 
My husband stole {$600000.00} from me, he says because of a XXXX, and I am trying to keep my home. 
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my TransUnion credit report and noticed a collection being reported that was'nt mine, so I sent a certified letter to the collection agency 's address listed on my credit report for validation. The certified letter came back from the USPS, stating that they were unable to forward the letter. I then sent a copy of the returned envelope to TransUnion, asking them to remove the collection off of my credit report because the collection agency is reporting incorrect information. TransUnion sent me a letter back stating that it was verified ''?????? even after I had sent them solid proof.