davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.
Consumer complaint received 2017-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NY)

For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.
Consumer complaint received 2017-06-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC (FL)

This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASPIRE FINANCIAL INC. (TX)

My refinance was handled very poorly. It took over 90 days and I did not have any of the potential delays listed on their website ( picture included for review ). On their website, it claims 27 average days to closing ( picture included for review ). The first problem that caused a delay was when they said there was a lien on our house for my husband owing child support. There was no lien on our house and the lien they were referring to was because my husband is the one owed child support from his son 's mother it's not even attached to our house. I have attached the lien for your review. I informed my loan officer XXXX XXXX of this immediately. This alone set us back 30 days as our loan went into a dormant status. I could not seem to get a response as to what was taking so long. At one point an email was sent to the higher-up management from my loan officer and she commented that my loan, " XXXX says 29-day status. '' I was even asked to get several documents I feel the loan processor should have obtained including a payoff on my solar panels. My closing fees went from {$5300.00} to XXXX XXXX hours before closing. I asked XXXX why there was such an increase and her response was, " Refinances are expensive. '' On XX/XX/2021 I informed XXXX that I needed a satisfactory reason why my loan fees increased drastically in the amount of XXXX 24 hours prior to closing. She told me that it was the title company and she would find out the reason for the increase. She never got back to me. Unfortunately, this is not surprising considering the poor service I received from Texas Lending. My loan did not close the day it was supposed to because they did not have all of the documents in order. I was en route to my closing at XXXX XXXX  on XX/XX/2021 when I got the call it would not go through. That is when I got the 2nd closing disclosure with the increased fees. We had to go again the next night. My refinance was handled extremely poorly and I was not given an explanation for the final fee increases even though I specifically asked my loan officer XXXX XXXX who works for Aspire Financial dba Texas Lending.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I 've sent numerous requests to this company via Certified Mail requesting proper validation. Each time the company ignored my request and sent the same itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company my State, Texas, has been to court with this company. The court documents stated that Midland claimed to have a copy of the " consumer agreement '' for all consumers who " owe '' them. I requested a copy of this agreement and was ignored. I 'm not obligated to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. They 're known to bully consumers and sue consumers all the time. I will attach a copy of my letter to them, FT C Opinion Letter, th eir response. Please be advised that the copy of the response you see from them is what they continue to send me over and over again, ignoring request of other information.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Collection Management. Inc (IL)

Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (CA)

I have been notified of an alleged outstanding medical debt from three years ago, dated XX/XX/2018. This is impossible, as I had two insurance policies at that time, which covered me at 100 %. The letter has threatened to " report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I dispute the validity of this debt, and I'm sure threatening to ruin my credit for a debt, for which I do not owe, from three years ago, is against my FCRA rights.
Consumer complaint received 2017-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX    XXXX   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.
Consumer complaint received 2017-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NC)

I have calle d Sallie Mae  over 7 times in order to get the second disbursement of my loan funds for my bar exam study loan. The company told me that it would take three business days for the request to disburse the funds to go through - and that they would then send out the check. This was on   XXXX   XXXX  . I called back three business days later, and they first said they had no record of this request, but then said that the request had gone through -- - but there was no indication in their system about when or if it would disburse. I again told them that I wanted the funds disbursed to me  [  you get to choose your disbursement date ] and they said it would take another business day. I have repeatedly kept calling, asking where the funds are and what is going on, and they have  XXXX  information. They said there was a delay because of  XXXX   XXXX  ... even though I initiated this on   XXXX   XXXX  , well before that holiday, and it is now   XXXX   XXXX   The company still has the funds, they will not give me any information about my loan or when the money is coming through, and have repeatedly stated that there 's nothing else they can do for me. Except to tell me to wait three business days and call them back. I have tried to add my husband to my account, to allow him to call them as well, and have done this THREE times. Each time they take down all of his personal information, and he is never added to the account. Further, they state that there was no notes about adding him to the account and they have no record of this ever taking place. Which is concerning, because he has given out his personal information to three differen t Sallie Mae reps.  We are now concerned these individuals are stealing his personal information, which includes social security number. This company is horrific to deal with - they do not give accurate information, they do not allow you to speak to managers or anyone higher on the staffing list, they do not actually send documents or information when they state that they 're going to do so, and they currently have {$5000.00} of my funds that they refuse to disburse to me even though I am paying interest on this loan. I have never had student loans before and never dealt with a private loan company, and this is truly disgusting. They should n't even be allowed to exist or work with consumers, as they are nothing but a scam and have totally inept crooks working for them.
Consumer complaint received 2017-09-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ceannate (TX)

I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS IS A NEW COMPLAINT BASED  ON   XXXX   XXXX   XXXX  LETTER DATED  XX/XX/XXXX  ATTACHED.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ), section 807. False or misleading representations,  ( 2  ) The false representation of  -- ( A )  the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}.  XXXX   XXXX   XXXX ,  XXXX  and the seller Creditor Capital One, who failed to provide proof of debt, as to the electronic purchase from Capital  One  to  XXXX   XXXX   XXXX .  <P/>  XXXX   XXXX   XXXX , per the attached letter dated  XX/XX/XXXX  did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XX/XX/XXXX ), section  807. False or misleading representations, ( 2 )  The false representation of -- ( A ) the character, amount, or legal status of any debt ;  XXXX   XXXX   XXXX , did not prove it paid {$2300.00} to  Capital One, a s they failed to provide proof of debt via copy of the electronic purchase from Capi tal One.   Their letter dated  XX/XX/XXXX  is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.
Consumer complaint received 2017-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact Equifax and XXXX about the matter to dispute the error, to the day XXXX  have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXXalso the exact same thing with Equifax. On XX/XX/XXXXI  contact Equifax about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting Equifax, XXXX and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
Consumer complaint received 2017-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (NJ)

I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Consumer complaint received 2017-09-02
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. (NJ)

I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.