davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Received a letter from Discover to provide photo ID and SOCIAL SECURITY CARD. 
( PHOTOS ). I am law enforcement and often on Special assignment. The letter was received 10 days after sent to me. I called Discover and made them aware of my situation. One I did not have a copy of my Social Security card and had to make a trip to the SS office to order a new one. Once I went to the office I was made aware that the SS offcie no Longer gave Receipts that included the Social Security number. It only ststed that a new card was processed.. I forwarded Discover what they asked for. However they had advised me it was 24 hours to late and the card was closed. I asked to speak to a Supervisor and was denied that opportunity on several occasions. Now the card is revoked and i was told was the card was closed all of the points and cash back earned would be credited to the card. However, there is clear discrimination here because was receiving my photo ID, the call was made to close the account based on ethnicity. 

Today they called me and said the card was not revoked and wanted a payment. i asked for a aSupervisor then and was told that I could reapply for the card ... this card has clearly damaged my credit. I have attempted several times to resolve this amicably with this company.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One states that payment was 30 days late in XX/XX/XXXX I never received a statement from the company in XX/XX/XXXX or XX/XX/XXXXCalled Capital One XXXX automated line in XX/XX/XXXX, and the system stated that no payment was due in XX/XX/XXXX Made additional payments in XX/XX/XXXX ( See attachment ) Record clearly shows that payment was received on XXXX XX/XX/XXXX ( See attached ) My wife paid the bill on my behalf, as I was out of town. 
I have never been late with a payment and have been a loyal customer I am a service XXXX XXXX  veteran and request goodwill adjustment, if the evidence provided is not enough to make this request possible.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

In XX/XX/XXXX I tried to rent a house in XXXX XXXX. I have never had issues renting until now. On my credit report there was a car that was charged off in approximately XX/XX/XXXX saying that I now owe over {$10000.00} on. When I reached out to XXXX XXXX XXXX I was told that they have record of me co-signing for a vehicle with my ex wife. I explained to them that it wasn't possible because I was living in XXXX at the time of the purchase which was made in XXXX ( XX/XX/XXXX ). I was then told they would look into it. I was able to rent the house so I thought that the issue had gone away. I checked all 3 credit agencies and saw no derogatory remarks on them. 9 months later I am now trying to buy a house and this same issue came back up. I explained again the situation to XXXX and was then told that in their notes they were supposed to call me back 2 weeks after our initial call but someone never did. I have spent a week sending them documents showing I was not living in the area at the time and my ex wife and I were separated ( our divorce finalized in XX/XX/XXXX ). I am in the United States XXXX so I can not just up and leave whenever I please. I have even filed a report with the FTC Identify theft site and sent them a copy of the report. I have to request leave in order to go out of the state which I never did. With everything I have given them they are now investigating my case 9 months after I originally called. I need this removed from my credit immediately. I recently lost a house I wanted to buy because my loan officer will not push through until this is cleared up. Thank you for any help you can provide.
Consumer complaint received 2017-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I called the business that has a negative account on my credit file and inquired about a fax number or email address msg my information : identity theft police report, drivers license, social security number, certificate of birth, XXXX XXXX  Identification Card issued per XXXX Safety Administration and a formal letter of identity theft, in addition, a citation issued per XXXX Highway Patrol issued to someone with my license in XXXX, CA. 
I mailed my prove to the courts and the court dismissed the case, also deleted the citation from my driving record. 
However, the prove I am submitting for more evidence of Id theft is to inform the collector know I am a victim of identity theft and to remove the negative account from my credit report. 
The Representative was not completely honest with me because he stated, there is no email address or fax machine to send or receive facsimiles or emails. The collection company is only able to receive USPS mail. I called two more times because I did not believe the representative. The second rep. said we have a fax number. 
The third representative said, " We have an email address and a fax machine. '' The rep said he was going to contact the business to inquire of the documents and and that was going to take a while. 
Accounts : 2nd. XXXX {$560.00} / XX/XX/XXXX 1st. XXXX / {$600.00} / XX/XX/XXXX I am also attaching DMV printout of a citation issued on XX/XX/XXXX to someone holding my driver license and presenting it to a XX/XX/XXXX Highway Patrol officer, however, the citation and signiture were under my name. I have cleared the citation with XXXX, CA and citation is cleared from my commercial driving record. Fraud was also committed under my commercial driver license and the identity thief signed my name. 
I have lived in XXXX XXXX, CA from XX/XX/XXXX to present.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I used a bank of America atm to deposit cash/checks that needed to be in account before the next morning to pay rent, bills, ECT. I normally wouldn't deposit that much cash in atm but it was important it was in account immediately. 3 of the 4 atms were frozen and the atm I had used never disbursed a deposit slip after I deposited a check for {$220.00} And {$3200.00} CASH. Upon checking account again for my deposit I then received a debit card alert. I was unable to get ahold of anyone of the weekend and the usual verification text/email that I get to verify my account never came. I spoke to three reps on Monday XX/XX/XXXX and was informed by the final rep at XXXX that the atm i had used had a lot of fraud in the area and that is why I received debit alert. I was told my deposit would be disputed and investigated up to 90 days and I should be receiving my {$3200.00} CASH back. I decided to keep account with bank of America closed and opened an account somewhere else as they have been nothing but problems this past year I received notice that I have a negative balance of {$490.00} on my account which is false. Wht would I owe anything as I haven't used the account and they informed me checks from a catering job I had done recently were written on a closed account. If this is the case it is their responsibility as my bank to help me dispute these checks and protect me as a customer. They haven't done so. Now I am being told by my employer they are holding the funds of my direct deposit he has requested to be reversed. This is against the law as my employer should not be punished in any way shape or form for my account issues and if the account is closed they are to return the funds to sender. My employer paid me with a personal check up on reversing direct deposit and now he is out {$170.00} And I did not receive my paycheck this week because of this and still owe him for another 4 hours. Bank of America needs to own up to their mistakes and pay me and my employer back for this.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. 
I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX 
Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... 
PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute for an account with XXXX/XXXX The account was closed, charged off and the debt was forgiven. The creditor stopped collecting on the account. The balance is XXXX. I disputed with Experian and requested the balance to be updated. Instead of doing that, they updated the balance to outstanding and reported a charge off as if it had happened in XX/XX/XXXX. That resulted in them dropping my FICO credit score more than 50 points. I called XXXX and I was told the account was closed, charged off since XX/XX/XXXXand they are have not recently reported. The last time they reported was in XX/XX/XXXX. They did not receive requests from Experian. Experian did not do an investigation as they claimed, they did not contact the creditor. I called Experian to explain and their response was to file another dispute and wait another 30 days. I am trying to purchase a home and this 50 point drop has caused me issues with my new loan.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

Navient continues to harass me day and night. I tried to explain to them that I lost my job in XXXX and could not pay right now, but they call numerous times per day. So far, today along, XX/XX/18, they have called me 7 times and it's only XXXX. They harass me and my ex-husband who co-signed. I am not getting anywhere with them and they have also over the years never told me that when you did a deferment or forebarance that the interest would stack up. This goes for my private and public loans. My total loans started out at around 80,000 and are now just under 150,000. I even called XXXX XXXX XXXX at one time because the harassment wouldn't stop. I don't know what to do with them anymore.
Consumer complaint received 2018-09-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been trying to work this out. I was in the middle of responding to the company and at the same time they put my home up for foreclosure. The attached letter dated XX/XX/XXXX, did not mention the foreclosure date of XX/XX/XXXX.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX
Consumer complaint received 2017-11-18
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. (FL)

Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION (FL)

I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (CA)

I took out a loan with Lending Club in XXXX. In the last 6 months I have struggled to make the payments and started working with a debt management company to help settle the debt. The debt management company took my payments but did not settle the debt and a a result, Lending Club charged off the loan. I filed a complaint against the debt management company with CFPB in XX/XX/XXXX. I have since reached out to Lending Club and asked that they reopen my file and help set up an affordable repayment plan. I called Lending Club twice and emailed. They are refusing to work with me as a customer. They will not return my correspondence. 

I want to pay off this debt in affordable payment plan and I want the " Charge off '' notation removed from my credit report.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I took out a loan for {$310000.00} from  XXXX    XXXX   in   XXXX  . It was then sold to Green Tree with loan number :  XXXX  and then to  XXXX  with loan number :  XXXX , then to  XXXX  with loan number :  XXXX  and I have still not received an updated payment history from them. It is apparently now with  XXXX   XXXX   XXXX .
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (NC)

On XXXX/XXXX/2016, I wrote a check number XXXX to XXXX XXXX in the amount of XXXX. The check was returned for NSF. The check was presented a second time to my bank and clear on XXXX/XXXX/2016. I was never contacted by XXXX XXXX, Telecheck, or TRS Recovery Service. I considered this incident closed. I subsequently attempted to write a check at another merchant and that check was declined. When I contacted the XXXX number provided on the declined check, I was routed to TRS informing me that I owed a debt of XXXX + XXXX for returned check fee. I was also informed that no further checks would be approved until this debt was satisfied. I informed them that the check had been resubmitted and the full amount had been debited from my account on XXXX/XXXX/2016 so therefore there was no outstanding debt. They indicated that it would take at least 10 business days for the status to update and during that time, no checks would be approved by Telecheck. I spoke to a supervisor at Telecheck and was informed that I should fax proof that the check had been paid to their " resolutions '' department. I did that on XXXX/XXXX/2016. On XXXX/XXXX/2016, I spoke with XXXX different representatives from Telecheck who still maintained that my account was showing that there was an unpaid debt despite receiving information showing that the check hand been paid. They indicated that even though the information had been submitted to the resolution department, it would be XXXX30 days for them to " research '' the matter and during that time, my checks would be declined at any merchant that uses Telecheck ( which is essentially ALL merchants since most merchants in my area use Telecheck ). I was told that if I paid the debt directly to TRS that day, that my account would be updated within 24 hours and my checks would start being approved on XXXX/XXXX/2016. Because I rely on my ability to write checks, I was coerced into paying the XXXX + XXXX for a total of XXXX to TRS in order to clear my account and provide me with the ability to have my checks approved again within 24 hours rather than having to wait the XXXX30 days it would take for Telecheck to " research '' and update my file appropriately. Because of Telecheck 's refusal to update my record in a timely manner, I have now paid the same debt twice PLUS and additional XXXX NSF check fee.
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (MI)

This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service
Consumer complaint received 2017-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MN)

I 've been dealing with Shellpoint Mortgage Servicing since they bought my Equity loan from XXXX in XX/XX/XXXX. I 've been trying since XX/XX/XXXX to get Shellpoint to work with me. They just keep sending me a standard form letter saying the principal balance is due ( {$33000.00} ). I 've been trying to find ways to pay off this loan. I completed Shellpoints ' Uniform Borrower Assistance Form and sent along financial documentation ( annuity statement, XXXX & XXXX taxes, 2 bank statements, hardship letter ) to obtain a repayment plan. I also informed Shellpoint that I am retired and on a set monthly annuity and I could make payments of {$400.00} a month. Or, if I pay the minimum on my credit card I could pay {$700.00} a month. Faxed on XX/XX/XXXX and I also mailed the same documents I called the Shellpoint contact I have XXXX to see if he received the Fax, got Voice mail. Called again on the XXXX, XXXX of XXXX, voice mail. He finally returned my call on XX/XX/XXXX. He had not done anything with the documents I had sent, now he needs more current bank and annuity statements, I faxed on the XX/XX/XXXX. I still have not heard if this packet of documents have been reviewed by their underwriting department. So they are not accepting my money and they are not working with me to get this loan paid off. Contacted XXXX who has my current mortgage and asked them about refinancing my current mortgage to roll in this loan. They said if I refinanced it would up my interest rate and as that is not beneficial to me they would n't do it. Applied for refinance with XXXX. Everything was going smoothly until XXXX called Shellpoint a 2nd time for a Payoff amount and Shellpoint told them I was late. So then I did n't qualify for the FHA loan anymore and XXXX wanted to switch it to a conventional with {$9000.00} in closing fees. Applied and was approved for a personal loan with XXXX for $ XXXX and I called Shellpoint to offer this cash to close the account. No response from Shellpoint to the $ XXXX cash pay off. In fact, I have n't heard a word from them. No phone calls or anything. I got approval for a personal loan through XXXX Loan for the {$33000.00} which would cover the principal balance of {$33000.00}. XXXX Loan wired the money to Shellpoint on the XX/XX/XXXX. Shellpoint returned it on the XX/XX/XXXX with no explanation. I ca n't seem to get anybody at Shellpoint to help. I have n't been able to get a number for the billing department to find out why they returned the {$33000.00}. Shellpoint also returned the payments I sent for XXXX ( {$350.00} ) & XXXX ( {$300.00} ). By not working with me on getting a prepayment plan and then returning money I 've sent in a good faith effort to pay off this debt. This kind of customer service should be illegal. I 've lived in this home 26 years and I am fearful that Shellpoint will foreclose on my home for the principal balance of {$33000.00} even though I 've tried to pay them.