davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW auto was totaled in XX/XX/2014 due to an accident. My insurance paid my loan in full in XX/XX/XXXX. BMW has been reported for 5 years that I was 30 days late and that it was in collections and part of a bankruptcy. I have attempted to resolve directly with bmw and credit bureaus with no result. I believe they are purposely doing this do I will have to pay more with following contracts.
Consumer complaint received 2019-01-31
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. (TN)

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. Equifax, XXXX and XXXX have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OR)

MOHELA.. 

I have been waiting since XX/XX/XXXX for my IDR to be processed. I consolidated my loans which triggered ANOTHER IDR application to pend on XX/XX/XXXX. They put me into administrative forbearance without even telling me. 

I called MOHELA on XX/XX/XXXX at XXXX XXXX to see where the process was at and was informed at this time that they needed more recent of payment so I was told to upload those documents and gave me instructions to do so. ( I still wonder when/if they were going to notify me this was needed. ) Well... it appears that triggered yet ANOTHER IDR form to be processed except it is not an IDR form, it is just the pay stubs requested on XX/XX/XXXX. Because they considered this the main 'application ' being processed I am not able to see my true IDR application that I completed to confirm I will be on the SAVE plan as I have been trying to get onto. 

In addition, they suddenly and without my consent put me onto a standard repayment plan called 'level ' payment and threw me into repayment. I work for a non-profit and am participating in PSLF which requires me to be on an IDR plan, I can't be on a standard one because it won't count. I called yesterday XX/XX/XXXX and was given a total run around by a trainee after asking to speak with a supervisor. The trainee said I'd stay in forbearance until next month and to call again then if the application isn't processed. 

I'd like to add that I called the second they opened and was told I'd have a 1 minute wait time which turned into 45 minutes before the call was disconnected. The 2nd time I called after having been on hold that entire time, the wait time was over an hour. However this is light compared to other attempts to reach them and its over 200 minutes to wait. At this point they turn off the call back option and you either wait the time or can't talk to them! This has happened to me on multiple occasions. 

I just want to get on the SAVE plan and complete my payments to be done with this crooked company. Every day that they push off these applications and put people in forbearance, it is more money in their pocket as interest is accruing, it feels criminal.
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (CA)

Dynamic Recovery Solutions and XXXX XXXX XXXX, XXXX are threatening to file a lawsuit against me over what must be an extremely old debt that I most certainly do not remember. Dynamic Recovery Solutions is a company in XXXX, SC and I have no idea why I must be harassed with letters of a suit ( even on behalf of XXXX XXXX XXXX, XXXX ) when in California, the statute of limitations is 4 years. I don't have any debts with this company nor the company in which they say they are working for. 

All the unpaid debts on my credit report were paid off by me. Any other debts had to have been so old that they fell off ; therefore, out of the State of California statute of limitations. 

Please ask these two companies to stop sending me letters threatening suits and contacting me over a debt I'm not even familiar or not within California 's statute of limitations. At the bottom of Dynamic Recovery 's and XXXX XXXX XXXX, XXXX 's collection letter ( which I will upload with this complain ), they admit that by California Law that they can not file a suit or report this ( again, I guess ) to a collection agency. 

Then they say, if I don't respond, they'll do exactly that. These types of letters make it difficult to strive to make my life better. And I do not appreciate it. Thank you.
Consumer complaint received 2019-01-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from XXXX XXXX XXXX  I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent XXXX XXXX account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank has called my work ( a XXXX XXXX XXXX line ) on XX/XX/19 at XXXX. I spoke with a lady and told her she can not call me on this XXXX work line because I will get in trouble as well. She said where exactly would you like me to call because youve been avoiding and dodging my calls and I told her to call my cell phone. She stated it was a recorded line as well. Today ( XX/XX/19 ) I received another call from XXXX at the XXXX work line. I was not there but my XXXX   informed me that a lady named XXXX from fifth third bank is looking to speak with me.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (NY)

I lived in an Apartment Complex from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, there was a question on what was owed for damages ( which at the time was XXXX and now is owned by XXXX XXXX ). The complex apartment is called XXXX XXXX XXXX, located in XXXX, NY. At around XX/XX/XXXX, I started receiving collection phone calls for a balance of of over {$2000.00}. Part of the debate with the apartment complex was over the carpet that had gotten damaged by pets. The apartment 's claim was the carpet was brand new. I had debated this fact as I had found furniture impressions and earrings stuck in the carpet. After uncovering these facts and what had already been paid through security deposits and pet deposits, my adjusted balance ( which I received from the complex and what was supposed to be forwarded to the collection agency ) was {$400.00}, as what was listed on my e-mails. After not hearing anything from the complex nor the collection agency, it had been a forgotten issue until it showed up on my credit report in XX/XX/XXXX. At no time, from the time I moved out in XX/XX/XXXX until this point, I have not received any correspondance that had any amount or actually owing the debt.
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

The insurance Company sent me a check & said it was mine to cash for an accident in XXXX. Next thing i hear a collections company is calling me for the money. I then tried to make a payment arrangement by giving them XXXX and expected a confirmation by mail on the payment arrangement and the plan. They never sent me anything in writing and sold the debt and now they are harassing me and the original payment went up
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My Wife and I purchased our home XX/XX/XXXX on XX/XX/XXXX our loan was transferred to XXXX XXXX on XX/XX/XXXX our new mortgage provider Flagstar Bank sent a letter asking for proof of Flood insurance. I contacted my insurance company and explained to Flagstar Bank that my Insurance was a combined policy and I did not have a " stand alone '' policy for flood insurance. 
on XX/XX/XXXX Flagstar Bank again sent a request for Proof, which I contacted them, and my Insurance company and had the information sent again. During a phone conversation I was told that my Flood  Policy was substandard and didn't meet FEMA requirements, I again contacted my Insurance Company who told me that my flood insurance was acceptable. 
on XX/XX/XXXX Flagstar Bank again said they needed the proof of insurance, and during a phone call I was instructed that they do not accept bundled policies. 

I have received nothing more until XX/XX/XXXX when I received the escrow statement, and I noticed a payment of Flood insurance on XX/XX/XXXX. 

I have homeowners insurance with flood insurance, and I feel that Flagstar Bank is Forcing me to pay for their insurance when the policy I currently have is acceptable, as it the same insurance that the seller had when we purchased the home. Since Flagstar paid for their flood policy out of my escrow account there now is a deficit and " My '' insurance is due XX/XX/XXXX. This is intentional. as I can not have two policies on the same property, they desire my policy to lapse.

Upon further review I noticed that there is not a single piece from Flagstar Bank explaining why my Policy was substandard. I only got that information via phone conversations.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete. 

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete. 

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (CA)

I had closed my account with XXXX XXXX XXXX when I moved and the remainder of that balance was sent to the old address. I was not aware of that bill until it was sent to collections where I received a call from CBE Group in regards to that debt. I paid it in full, and now that I am trying to repair my credit, I called both CBE Group and XXXX XXXX XXXX to ask for a removal on my credit since it was completely paid off but both parties said no. I was told I could then file my claim.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I deposited a check in the amount of {$3000.00} on XX/XX/XXXX  at Truist Bank ( from which is now believed to be a scam from a corporation ). This morning XX/XX/XXXX I received a notification that my funds was on Exceptions/Administrative Hold. Truis bank has defaulted my account and double the amount of funds. Now my account is negative {$6100.00}. After calling and speaking with the bank representative she instructed me that their isn't anything they can do and they can't even be any investigation or any guidance into the matter until my negative balance have been resolved. I explained to her that I don't have that kind of money and that's the reason for my call because I don't have any funds. The representative just told me there isn't anything that they can do.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is an update to CFPB complaints XXXX ( submitted XXXX  ) ( Complaint 1 ) and XXXX ( submitted XXXX  ) ( Complaint 2 ). Despite numerous contacts with Capital One and two previous CFPB complaints, as of today XX/XX/XXXX there has been no satisfactory resolution of this matter. 

I am an elderly person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for medical treatment and other expenses. I routinely charge several thousands of dollars per month on this card. The card expired on XX/XX/XXXX. Due to the upcoming card expiration, on XXXX  I requested that Capital One send me a replacement Venture Visa Card in XXXX ( see attachment 1 ). On XX/XX/XXXX I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/XXXXXXXX XXXX XXXX  '' ( see attachment 2 ). Capital One further confirmed to me by phone that the replacement card was shipped to me by XXXXXXXX XXXX. I made multiple requests to Capital One for a tracking number for this shipment but Capital One refused to provide this information. 

Because no card was received by the due date, I filed Complaint 1 on XX/XX/XXXX. OXXXX XXXX Capital One responded to Complaint 1 stating that " your replacement card was mailed out on XX/XX/XXXXXXXX XXXX XXXX XXXX and should be received " within 7 to 14 business days ''. This response also stated " we do not have a tracking number for your card ''. See attachment 3. As of today one month later no replacement card has not been received. I have been forced to make multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult due to my ill health. In response to my inquiries XXXX has stated that no shipment to me has been received and no further information can be provided without a tracking number for the shipment. 

At this point due to the negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship, illness and emotional distress. Further, Capital One 's admitted failure to obtain tracking information for shipment of a credit card to a foreign country is a gross breach of the most basic financial security standards. If the replacement card was shipped as Capital One claims it has most likely been stolen by now, adding greatly to my stress. 

Thank you very much for your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Attached please find [ 4 ] Form XXXX issued by USAA wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following USAA Credit Card accounts which I have repeatedly disputed. USAA : # XXXX, USAA : # XXXX, USAA # XXXX, USAA : # XXXX. Each dispute was met by USAA 's claimthat they verified the account as accurate. Recently, I received refund checks from USAA related to these accounts. I was told USAA had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The USAA revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain USAA members would be reimbursed for USAA 's errant ways. As the attached XXXX will attest, USAA has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX   or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.