davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services (NH)

XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation.
Consumer complaint received 2015-04-11
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Genesis Lending (CA)

I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX ACC # XXXX Please update my phone number XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-08-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (FL)

I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and the credit bureaus.
Consumer complaint received 2023-02-25
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: LCI Acquisition Inc. (FL)

LCI Consumer center is in violation of the FCRA 623 ( b ) ( 1 ) On XXXX, XXXX 2023 I filed a dispute with LCI via certified U.S. mail tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 LCI responded with an inappropriate stall letter in attempt to stone wall myself and avoid doing an investigation as the are required to conduct per the FCRA. LCI stated in their letter they could not validate my identity, I categorically state that is a FALSE AND MISLEADING ATTEMPT TO AVOID DOIND AN INVESTIGATION : 1 ) I enclosed a copy of my State issued driver license and a utility bill. 2 ) my letter was sent via certified mail from my home address. 3 ) my letter was personally signed by me. Enclosed is my original letter and information sent to LCI. SINCE LCI failed to conduct a proper investigation, within 30 days the following accounts must be removed from my file : BANKRUPTCY COURT IN FLORIDA Reference Number : XXXX filed in XXXX.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I RECEIVED AN UNSOLICITED PROMOTION IN THE MAIL BY A CREDIT CARD COMPANY OFFERING TO CREDIT MY ACCOUNT {$150.00} IF I SPEND {$500.00} WITHIN 3 MONTHS OF OPENING THE ACCT. I FULFILLED MY OBLIGATION WITHIN 3 WEEKS. BUT NOW THE COMPANY IS TELLING ME I HAVE TO WAIT UP TO 6 WEEKS BEFORE I GET PAID. THEIR OFFER MADE NO MENTION OF THIS.
Consumer complaint received 2016-11-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income. 
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc. (CA)

Never received a phone call from XXXX. Never received a bill. This is due to they were sending it to an address that is not mine. the account was opened with an address of XXXX, CA XXXX. I have NEVER lived here. I have a police report # XXXX. I have sent in a notarized fraudulent letter to the original creditor. The collect Diversified Adjustment services, is still reporting this as a collection on my XXXX account. the fraudulent address is till being reported as mine. recently received a letter from a new collection agency requesting paying for same bill.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC (WA)

I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

My loans are not consolidated so the total payments on the loan is way more than I can afford. I was told that I can not pay them down one at a time but had to pay them all at once. I went into forebearance because I could not afford the payments along with my daily living expenses. Even when my income was submitted in hopes of receiving an affordable payment, I was advised that I would need to pay XXXX per month to avoid default. I can not afford so forebearance was suggested. I went into foreberance and my loans have increased a whopping XXXX over the course of one year. I am digging a hole that I can not seem to get out of no matter how hard I try. Most people attend college as a means to better their life and make more money but if you have to pay all of the additional money you are now making back to student loans, what is the point of furthering your education? I grew up in a home where my parents could not afford for me to go to school. So I had to take out student loans and I am now regretting my entire decision to return to school. I have children that will be going to college within the next 10 years and with the amount that I owe, I will be unable to afford for my children to go to college and thus the vicious cycle begins again. I need help. This system is unfair to those who grew up less fortunate than others.
Consumer complaint received 2017-07-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (NC)

About a month ago I submitted a dispute to credit bureaus regarding the amount of the auto loan posted from  NCB Management.  The amount was aroun d 10,000. NCB sent back original paperwork but left out all auct  ion paperwork. According to law, I am still liable for the remaining amount. I have requested a hard copy of this receipt and I have been told they may not have it. They have a typed up transaction list but nothing at all about the sale of the vehicle to the auction about how much it sold for. The car was originally around 20,000. They said they have sold it for around 10,000. And now I owe the  remaining amount. How do I know that they did n't sell it for more or less? I need a a valid receipt of the amount from the auction to verify what I have left to pay. As indicated my wife spoke with the m on  XX/XX/XXXX  and they said  they would get back with her in a couple of days. Meaning they have no proof of how much I owe and they are reporting it on my credit report negatively.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (OH)

Someone has stolen items from my wallet and accessed my computer and/or home network and sucked almost {$8000.00} from my checking account via my debit card. As I have already told Scottrade, there are many people that come and go from my home on any given day. So, it 's likely one of these individuals is responsible for what has happened. Now, I 'm on XXXX and have spent the majority of my time in bed for the past 30 days. Because of this, I have n't been aware of what 's been happening with my debit card. 
Of course I complained to Scottrade who basically blew me off and did n't even look into the matter. They denied my claim in less than a week and gave me their reasons for doing so. Their reasons include that the IP address seems to be consistent ( no kidding, duh ), the Scottrade account was accessed over XXXX times in the past month ( not surprising for a crook ), and they sent a fraud email that someone replied to that said the charges were valid ( this was NOT done by me ). Now, because of these things, they just assumed I must have done it. The people " looking into this '' are either extremely stupid or extremely lazy! 
There are several charges from a XXXX that according to them has my email on one of their accounts. This might be true, but it does n't change the fact that I did n't create an account with them. I have n't used my computer in months and rarely use my email. But Scottrade refuses to listen. They just take the easy route. 
So I did my own research on XXXX and learned they are some kind of options broker. They are unregistered and unregulated which makes them illegal in the United States. Being a broker themselves, Scottrade should know this. Also, what reputable brokerage firm would accept credit/debit cards as funding options? This is clearly a scam! I am including an attachment from XXXX that states the brokerage must be registered with the CFTC and the SEC to operate in the United States. Otherwise, they are illegal. XXXX is therefore illegal! I sent this attachment to Scottrade who apparently did n't read it. So, if Scottrade ignores the fraudulent transactions based only on circumstantial evidence, they ca n't argue with the illegal nature of XXXX. They should at least reverse those charges!
Consumer complaint received 2015-07-16
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OH)

I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was scammed by XXXX XXXX where they, allegedly, transferred my call to XXXX after telling me that my account had been hacked. I was on the phone with XXXX for hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did purchase 3 gift cards, under false pretenses, believing all the while I was talking to XXXX. I am a XXXX widow of an American XXXX Veteran on a fixed income who desperately needs my money given back to me. I am also a victim of a scam and I should not be held accountable for this horrible incident.