davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
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: Autovest, L.L.C. (FL)

I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

I sent to Amsher a response to notices sent to me from the credit Bureaus and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : NONE OF THESE WERE PROVIDED TO ME BUT A BILL WITH A NAME AS MY
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
Consumer complaint received 2018-01-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (FL)

Have been receiving phone calls and now collection letters about a unpaid Best Buy account over 10 years old. Calls saying they will garnish our pay or that were are going to be served papers to be taken to court.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Evergreen Financial Services Inc. (WA)

Evergreen Financial Services has had two different collection accounts with me. I paid one off in late XX/XX/XXXX/early XX/XX/XXXX, during which time I made clear they were not to contact me at work in regards to the second account I had with them. They had my cell phone and I let them know that was the best way to reach me. They've reached out via my cell on 2-3 separate occasions regarding the account I have with them since XX/XX/XXXX. On XX/XX/XXXX, one of my supervisors at work approached me to let me know Evergreen had called them looking for me. Upon taking the phone call, the agent, XXXX XXXX, claimed that " this was the number we had for you '' and that they were calling my employer. I let them know I had never given them permission, that this was a violation of regulations, and that they definitely had my cell phone since they had tried to call me a month earlier. I had also never disclosed this number to them, meaning they had utilized some other resource to find my work number. I informed them they needed to delete that number immediately and I would be filing a complaint.
Consumer complaint received 2018-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2014 60 days late in XX/XX/2014 60 days late in XX/XX/2014 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (CA)

On Tuesday, XX/XX/2018 phone calls were made to multiple family and associates from XXXX AKA XXXX XXXX from JPL Recovery Solutions. This same individual left messages on both my cell and work phone number. 

On Tuesday, XX/XX/2018 at approximately XXXX XXXX PST, I returned call and left message I was not to be contacted again at my work phone. 

Between XXXX XXXX PST and XXXX XXXX PST he called my work line and employer 3 separate times. I returned the call at approximately XXXX XXXX  and spoke directly to agent representing himself as XXXX XXXX. I advised I had left a message the previous day I was NOT to be contacted at my place of employment. From there he demanded I tell him by XXXX XXXX  Eastern time how I was going to resolve my debt or he will attach my wages through XXXX XXXX of California. I asked for written verification of debt and said he would email it to me. Still have not received USPS written correspondence from agency. I advised he could not attach my wages without a judgement and not to threaten me. He said he wasn't threatening me, I repeated twice more to quit threatening me. I ended the conversation by stating " Good Day ''.  He immediately called my cell phone back and 3 more times my work phone. He has left intimidating messages from my over age daughters, elderly mother - in - law. Again today he calling my work phone and left a message for my mother. He left a collection type message on a telephone number I am not associated with.
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Company XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX is trying to collect a debt that is not mine. False credit card from a XXXX XXXX XXXX that i never had and they are trying to collect {$720.00} on my Trans Union credit report only. I have sent validation letters to these people without any response back. They have had 2 validation letters sent out in the past 3 months with no response and they are still reporting erroneously on my Trans Union. Trans Union fails to verify properly and ignores the fact that i am concerned about this false account. I am reporting this complaint on XXXX as well as Trans Union for  not verifying this unknown debt. This is why i have a fraud alert on my credit report due to fraudulent debt collections such as stated above and credit bureaus not doing the proper verification, instead the credit bureaus use a computer ( e-oscar ) to verify and that it not appropriate for fraudulent debt collectors! Please remove Trans Union this is already in violation to the FDRA and XXXX is in violation of the FDCA
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX shows a residential address on XXXX and XXXX as well. I want to no who and why this company is showing on my credit report on XX/XX/2018 report file # XXXX as to why they pull my credit under Account Reviews Inquiries on my Transunion report. I have not applied for anything with this company or given them permission or sign anything or contract giving them permission to pull seek or obtain any credit information by me or consent to pull credit. 
Transunion has no justification to why this company is listed as a residential address as XXXX XXXX XXXX XXXX XXXX CA XXXX Also Transunion should be held accountable to my credit report for damage/ ( s ) to letting a company pull my credit. Proof of my signature or consent needs to be provided by this company if there a legal company as to who sign or committed fraud under my name. Also page 11 of 12 Transunion shows the information file # XXXX date issued XX/XX/2018
Consumer complaint received 2018-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

On Friday, XX/XX/XXXX I submitted a request to pay off my Navient student loan in the amount of {$4000.00}. In their website under the recent payment section, it showed a payment in the amount of {$4000.00} in pending status. At that point, I decided to cancel the recurring payment I had set up to make regular payments. Since the loan would be paid off, I did not want Navient to continue drafting my regular payment. Once I cancelled the regular payment, I checked the recent payment section, and my pending payment of {$4000.00} was no longer visible. Like a reasonable person, I assumed that when I cancelled the recurring payment, the pending payment must have also been cancelled, since it was no longer visible, so I submitted another payment in the amount of {$4000.00} to reset-up that payment that appeared to be cancelled on the Navient website. On Monday, XX/XX/2018, my checking account was drafted twice for a total of {$8000.00}. Navient apparently had not cancelled the initial payment, but has deceptively removed the pending payment from visibility. When I called to try to get the {$4000.00} back, I was told that it would need to do to investigation and that I would need to submit bank statements showing that my account was drafted twice. This process would take 10 business days. Navient can see that they got the money twice. I know they have ACH records that show that the money came out of the same account twice. Additionally, Navient can take my money within one business day, but when asked to return money that did not rightfully belong to them, I was told the process would take at least 10 business days. I have bills to pay and needed that money. Thankfully, my financial institution agreed to return the funds to me and will fight with Navient to  get their funds back. Navient 's process is deceptive and abusive to its customers.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On Sunday, XX/XX/2018, we attempted to make a deposit at the Webster Bank ATM located on XXXX XXXX, XXXX XXXX, CT. 
The atm took my {$50.00} cash deposit, malfunctioned, didn't credit my checking account and printed out a note they they could not return my cash. 
I went to Webster Bank and explained what happened also showed the note from the atm machine so the person that I spoke to gave me a case # didn't even apologize for the inconvenience and then proceeded to tell me that they were not able to return my {$50.00} until an investigation and the atm was serviced which would take 7 to 10 business days which put me in a dire situation. I kept checking with the bank for an entire week and still have not gotten my money back.

We are on a limited income, only social security, which by the way, are direct deposited into the Webster Bank account. 
I had asked about a provisional credit for the deposit snd was told that they would get back to me and never did until Saturday, XX/XX/XXXX after hours do they were not able to speak to anyone until today. 
We feel that we were treated unfairly. 
The social security deposits are well over {$50.00}. They could have given us the provisional credit. We have banked with Webster for a long time and really didn't need this treatment. 
Because the {$50.00} credit was not applied, I had to borrow money to deposit to cover the checks that were not cleared yet. This was embarrassing.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/2018, I sent an initial letter requesting them to remove specific credit inquiries that I believe were placed without permission. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up email referencing XXXX v XXXX, again asking them to investigate and remove inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/XXXX stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I think it's a scam call. She claim calling from citi bank which owns my citi card. However, she claims she needs my debit card or check number, or checking account number. The credit card should have the my debit checking account number. It's ridiculous The number is calling from XXXX and she said her name is XXXX from XXXX
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. 
I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. 
Ocwen is using the loan modification process to cause me great harm.
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

66 months ago, I consolidated my undergraduate and graduate loans with the specific purpose of qualifying for the Public Service Loan Forgiveness Program ( I'm a public XXXX XXXX  ) .I was told by my lender that all repayment plans beyond 10 years qualified for the program and I was told the 25 year level plan would qualify me. They placed me in that plan based on that phone conversation. Now I am halfway through the 120 required payments and I'm told my repayment plan doesn't qualify and there is nothing Navient can do about this. I followed my loan servicer 's recommendations to qualify and was misdirected. Now I'm told I must switch plans and pay another 120 payments. I hope I qualify then.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am writing to complain about my Citi XXXX XXXX  card. After receiving the card inXX/XX/XXXX, I activated the card this summer and was using the card until Citi abruptly froze my account. When I called to check on why the account was frozen, I initially could not get a straight answer. It was only after several attempts that I finally learned that Citi froze my account in order to conduct a background check to make sure I am the appropriate card holder. The account was frozen in early XX/XX/XXXX.

At the time, I was on travel for work, so I tried to address the verification issues by phone, but was informed that Citi only verifies by mail. While this was inconvenient, I did go ahead and send in the form Citi sent over. I learned today that Citi still requires another paper form submission that I am yet to receive in the mail. Once again, I am set to travel for work and do not have an active Citi card.

This process and the customer service at Citi have been terrible. More problematic, though, is that they do not conduct these various checks before a card is issued. What happens if someone is using someone else 's card. It appears from my experience that Citi allows use and only later conducts a verification. This is a troubling practice that should be investigated.

For now, I am once again without a card. I wish I hadn't closed another account in order to open this account since Citi 's service has been subpar.
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (LA)

I have been fighting ID THEFT for sometime now and have fraud accounts reporting. I have sent in ID THEFT AFFADVIT as well as FTC complaint. Experian is refusing to block and or remove the following accounts for some reason. 
XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX XXXX XX/XX/XXXX All supporting documents and proof these accounts are fraud have been sent and confirmed that they have been recived!!
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

A few weeks ago I submitted a complaint to CFPB about Amerihome 's false reporting of a late payment on my credit report. During the time I had tried to work the issue out with the company, they had been very rude and dismissive but I didnt include that in my complaint because I know they are a crooked company and I wouldn't expect anything less. However, yesterday a representative from Amerihome that I spoke to threatened to report another late payment on my credit report if I continued to pursue this issue. I have told Amerihome a few times, including in my last complaint, that I will now be hiring a lawyer to resolve this issue and get the late payment removed from my credit report and my assumption is they dont like the possibility of having to spend money to protect themselves against the false reporting in addition to the reviews I have left online. Anyway, I just wanted to bring it up that they clearly use late payment reporting as a means to control their customers. This company has to be shut down. They should not be in business particularly after what happened in 2008 with all the predatory lenders.
Consumer complaint received 2018-09-19
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. (FL)

According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question