davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

This complaint is in reference to Commonwealth Financial.
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I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
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I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
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I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (FL)

I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

Wyndham Barclay  credit card has annual anniversary bonus of  XXXX  point with fee. The fee was paid several months ago but bonus point was never given. Contacted the company multiple times without a positive answer.
Consumer complaint received 2017-07-01
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. (NC)

I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
Consumer complaint received 2017-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, 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. (AR)

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (MD)

XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. <P/>XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. <P/>I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. <P/>I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. <P/>I request names and address of all to whom they contacted as well as date and time. <P/>I will be following up on this correspondence directly. <P/>The certified RR letter with tracking number was sent on XX/XX/2017 XXXX
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MD)

I have been receiving mail that are addressed to my brother at my previous address. My brother has never lived with me at that address. Now I recently bought a newly built home and moved in. I am still receiving advertisement and collection mail at my new address. I recently used your department to resolve a credit issue in which my credit report had my brother 's information in it, but it was resolved. I would like to know who could still be linking my information to think my brother is either me or lives with me. This is a big issue because someone still thinks we are the same person. Any help would be greatly appreciated.
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (NY)

Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

My account with Synchrony was opened for {$1500.00}, because i had major transmission work done and did not have enough credit cards to spread the enormous expense over. They offered 12 months of interest free payment ( 30 % deferred APR ). I was paying down, on the average more than the minimum, on a monthly schedule. On X/XX/2017 after 12 months and a balance of {$780.00}, had expired i was hit with a {$450.00} interest charge. Now my balance went up to {$1200.00}. I immediately called them and asked why did they do that and they said that it was in their contract, which i never read since i opened this card at XXXX transmission and all i had to do is sign. I never had or had the opportunity to read any contracts. Also, no one ever discussed or disclosed that the interest will balloon at end of 12 months. I asked to talk to their supervisor or someone higher up the org-chart and they said i need to call next business day. I called several times between late XX/XX/XXXXand XX/XX/XXXX. Each time they put me on very long hold times 1.5hours or longer as i tried to get in touch with their supervisor to explain what is going on. Last time i called and asked to pay off the original debt and was put on hold again for well over 2hours. I do not have time to wait on the phone for unreasonable amounts of time as i need to work and have responsibilities. I called all 5 of my other credit cards and all the banks said that after their deferred APR expires normally the regular annual APR kicks in. There is NO Ballooned interest with any of the other credit agencies. I believe this bank is practicing unethically and possibly criminally. I want to pay off my original debt in one lump sum and be done with it. <P/>Please help!!!! <P/>Thank you. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Professional Debt Mediation, Inc. (GA)

In pursuit of a fraudulent debt assigned to Professional Debt Mediation by my former landlord, XXXX XXXX XXXX, a fake Certified Mail notification regarding a claim on my {$300.00} rental deposit was generated on X/XX/2016 in order to steal it and cover up the fact that a claim on it had already been submitted to the Credit Reporting Agencies more than two moths prior without notifying me about it beforehand in violation of Florida Statute 83.49 ( 3 ) ( a ), which requires that landlords notify former tenants within 30 days via Certified Mail ( unless the tenant vacates or abandons, which is not applicable when the Courts order the Sheriff to possess the apartment on behalf of the landlord ) of any intention to impose a claim on the deposit and also to refund the deposit before continuing any additional collection activities ( see XXXX ). Moreover, the landlord feloniously intercepted the fake Certified Mail notice on X/XX/2016 with the help of the XXXX for the route -- who was obligated to forward all of my First Class mail on a permanent basis as of X/XX/2016 ( see section 2.3.7 at XXXX for details regarding the applicability of Certified Mail as it pertains to Change of Address requests ) -- in an effort to prevent me from finding about the landlords illegal conduct.
Consumer complaint received 2017-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (FL)

On or around XX/XX/XXXX, I received a call on my cell phone from Global Receivable Solutions ( GRS ) stating I had an unpaid medical bill from XXXX XXXX. I had not received any bills in the mail prior and my insurance should have covered the cost at 100 %. Due to the imaging company 's error in billing code ( was preventative and the coded diagnostic ), they were not paid 100 %, so the remainder was in collections I was told. I advised I wished to dispute the amount, as was a result of the collection company client incorrect billing. They advised they would put in dispute. On this initial call, I advised I did not give permission for my cell phone to be placed on an auto-dialer. As of XX/XX/XXXX, I have received multiple calls per day on my cell phone from GRS and I answer only to hear dead air or be hung up on, indicating an auto-dialer. Upon speaking to someone, I advised again the bill was in dispute and they could not use my cell phone number to collect this bill and asked them to remove the number. Today, XX/XX/XXXX, I received 2 calls within 1 minute from this company, which is causing my phone to ring with intent to harass and they consistently hang up on me. In addition, when I answer, they proceed to TELL me my information for " verification '' and disclose everything. Today, I was berated by a representative when I advised AGAIN, this was in dispute. When I asked for a manager, I was refused and told there is no manager. When I said again to remove my cell phone, they hung up on me. I called and asked for the Legal address, as I am now considering legal action, and they refused to provide. I was finally able to obtain an address ; however, the company will not confirm it is accurate. I want them to cease and desist immediately.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Hello, I used to have a Santander bank checking + savings account when I first came to this country as a student in 2013. When I stopped using that account, I went in to close both the accounts and was told that instead of closing it formally, I can just withdraw the money and stop using the account, and the inactivity would make them close the account in a few months. This was in XXXX 2013. Moving on, I started receiving mailers from Santander bank at my current address for a {$220.00} bonus if I open a checking account. I went to a branch in XXXX, MA. to apply and I told the manager that I used to have an account. She could n't find any account in my name in their system and told me I am a new customer to them and opened a new account for me. I fulfilled all requirements of direct deposits for the account and contacted them multiple times for the bonus and was told that to wait longer. Finally I got in touch with the bank employee who opened my account and now works at a different branch and he told me I would not be getting that bonus as I was an existing customer for them. I was misled while opening this account and I feel I should be getting the bonus {$220.00} I was promised for being honest and upfront about everything whereas the bank was not.
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

We closed on an FHA mortgage in XX/XX/XXXX, signing our closing documents on XX/XX/XXXX. Upon closing, we were informed of the functioning of an FHA mortgage, primarily the Mortgage Insurance on our loan. The closing officer informed us that the mortgage insurance would drop from our mortgage at 78 % of the value of the of the loan and pointed to the corresponding documentation in the paperwork. Additionally, I, along with my husband, mother and father whom we bought the home from, recall this information being verbally stated and showed to us in the closing documentation. <P/>In XX/XX/XXXX, we met the 78 % mark of the value of our loan. At that time, I contacted Quicken Loans to inquire as to why the Mortgage Insurance has not dropped off of our payment. Unfortunately, we were informed it does not ever drop on our present FHA loan, and we had the option to refinance if we would like. After reviewing my closing documentation, it was determined that the closing officer had us sign documents stating both the FHA guideline prior to XX/XX/XXXX and the new FHA guidelines. These documents provided conflicting information regarding the mortgage insurance requirements. As the loan holders, it is our primary concern that we should no longer be paying the cost of mortgage insurance past the 78 % of our original loan value, due to this being stated in a document we signed at closing. We, as the signees of the closing documents and not the producer of them, should be held to the lesser restrictive of the two documents/contracts. <P/>Since finding out we signed conflicting documents, Quicken Loans has been working through our complaint and concern for several months. However, as of today, there has been no resolution to rectify the mistake which would fully correct the situation without additional cost to us i.e. refinancing. The options presented to us are not satisfactory and do not monetarily compensate us for the cost of the mortgage insurance we are unrightfully paying and will continue to pay the duration of the loan. At this time, Quicken Loans is not honoring a signed contract with one of its loan holders, ourselves. <P/>Therefore at this time, I am requesting that Quicken Loans monetarily compensate us a total of {$2000.00} which is the approximate total amount we will pay in Mortgage Insurance past 78 % of our original loan value for the remaining life of our mortgage. <P/>We submitted a letter to Quicken. loans requesting this monetary compensation by today XX/XX/XXXX. However, as of approximately XXXX Eastern Time on XX/XX/XXXX, no answer to our request has been received. We did receive confirmation that our letter was received by our Client Relations Specialist as of yesterday XX/XX/XXXX.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been working with my mortgage company for a loan modification. On XX/XX/XXXX, i was denied for the loan modification and in the letter it stated that i had a 30 day right to an appeal. I submitted my appeal on XX/XX/XXXX and the documents had been confirmed received. Yesterday I called Shellpoint to confirm that there was no sale date on my home. I spoke with XXXX and he advised there was no sale date and confirmed that it was placed on hold. Today we received a call from XXXX XXXX with Shellpoint and he advised that the appeal was acknowledged and the sale date was scheduled for XX/XX/XXXX. After getting deeper into the conversation with XXXX he then realized that they had all the documents to review the appeal but requested that i send solely the XXXX so that he can send it over to underwriting. I just dont understand how i can be so misinformed and my documents to be so neglected considering the circumstances of foreclosure.
Consumer complaint received 2017-07-02
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 (IN)

My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 . Capital One credit cards were apart of the bankruptcy. However, Capital One is still reported as a negative account and an open account on  XXXX  of the  XXXX  credi t reports.-    XXXX    and  XXXX  Additionally  ; my report shows payments as being late even though the accounts were included in the  bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open Capital One card and about the negative Capital One card still showing up on my report with late payments being reported. The only success I had was the removal of the open Capital One account with  XXXX  agency which was  XXXX . However,  XXXX  still reports Capital One as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,  XXXX  and  XXXX , still report an open Capital One account. I have called Capital One and they say I do not have any accounts with them! I am at my wits end!