davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Information Bureau, Inc. (FL)

I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Doctors Business Bureau that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

I opened a PNC Bank account 5 months ago with a promotional offer for a {$300.00} credit to my account after certain requirements were met. I did meet all of these requirements and still have not received this credit. I contacted PNC Bank and have spent over XXXX hours of my time on XXXX different phone calls with PNC Customer Service and on XXXX XXXX, 2015 I was advised that this credit would appear on my account on XXXX XXXX. It has been 20 days since then and the credit has not appeared. 

Additionally on XXXX XXXX, 2015 I confirmed with PNC Customer Service that all of the requirements were met for this promotion and that they even confirmed this with their " back-office retail escalation dept '' that everything was set and the credit would appear. 

I just this afternoon spend XXXX additional hours on the telephone with PNC Bank only to be told that they will file a " dispute '' and will get back to me in 30 days. 

This is ludicrous and upsetting that a large bank does not honor their commitments and I would appreciate the assistance of the CFPB to work with me to contact PNC Bank.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (SC)

The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

To whom it may concern, In XX/XX/XXXX I refinanced my mortgage on my home for a better rate. This cost a good amount of money up front and I took a great deal of time in selecting the best option and company to purchase this new mortgage from. I eventually came to an agreement with XXXX and received a Good Faith Estimate and moved froward with a refinanced loan I was happy with, though expensive to acquire, it was with XXXX. Around XX/XX/XXXX I was informed my monthly payment was increasing by {$180.00} due to a shortage of escrow. My mortgage has escrow since my home is worth less than I paid for it. The problem with this increase is my taxes and insurance have only decreased over the years, not increased. So why should my monthly payments increase. Actually my taxes did go up, {$3.00} per year, my insurance went down around {$20.00} a year. I 'm thus disputing any changes and request my loan monthly payments to remain as is. 
Thank you, XXXX XXXXXXXXXXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT ED/XXXX XXXX  Account number XXXX
Consumer complaint received 2015-07-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XXXX/XXXX/15 I sent a {$500.00} transfer to my sister in Texas. When she attempted to retrieve the money she was told that the funds were not available. I contacted customer service and was told that my transaction was under review because my name, XXXX XXXX XXXX, was similar to a name they have identified as a person who ca n't use their services. However, when I made the transaction I was not notified that there would be any problem. This is not the XXXX time I 've used this service. Each attempt to either retrieve my money back or make it available for the recipient has resulted in hours on hold and lastly transferred to the Dispute resolution department which automatically sends me to voicemail. I have never been able to reach a live person in that department. I have left XXXX messages with the Dispute Resolution Department and they have not contacted me. 

My {$500.00} were taken from Money Gram and neither I nor the receiver can retrieve my money. 

I have taken the following action to resolve the complaint:1. I have contacted Money Gram via telephone every day since XXXX/XXXX/15 and each time the customer service agents keep me on hold for hours ( not figuratively speaking, I have been on hold literally for hours ) while they say they are transferring me to the appropriate department. I get transferred from one agent to another over a span of approximately XXXX hours while on hold for about XXXX minutes in between each representative. XXXX representatives were extremely rude and hung up on me telling me they could not resolve my issue. 

2. I have also left XXXX messages for the Dispute resolution department and I have not been contacted. 

I have not been contacted by Money Gram at all. I need a resolution to this issue immediately.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. 
looking to see what answer you will get back from caliber home loan. 
thank you
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Financial Solutions, LLC (WI)

Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CT)

I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.
Consumer complaint received 2015-07-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Wakpamni Lake Community Corporation (TX)

I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015, XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX, the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However, today, I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to " XXXX XXXX '' to give me the debts in writing as well, with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number, which is the number they already have on file : XXXX. Thank you.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (VA)

I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GreenSky, LLC (GA)

This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. 
Next thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. 
My issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. 
I have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. 
I would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. 
Thank you.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (SC)

In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance Group & Associates LLC (NH)

I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (OR)

Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX XXXX XXXX , XXXX that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XX/XX/XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last XXXX years ( in XX/XX/XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.