davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
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. (OH)

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

Escrow company tried to get pay off amount on XX/XX/2021 again on XX/XX/2021 again XX/XX/2021 again XX/XX/2021 and a last time XX/XX/2021 I was supposed to close on XX/XX/2021 got extention to XX/XX/2021 todays date this has put the sale on my property in Jepor may not sale now in the amount of XXXX XXXX. this amount is way more then I owe on the property. This also made problems with a commit to another property that I committed to and am losing that one today. This lack of Suntrust doing there job is costing me 100s thousands of dollars today. This is real problem.
Consumer complaint received 2021-01-23
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: Experian Information Solutions Inc. (NC)

On XXXX I filed a proper dispute of two unknown medical accounts being reported to Experian by XXXX XXXX XXXX ( account # XXXX and account # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from Experian. I re-disputed to Experian with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Experian has refused to properly investigate or remove these fraudulent accounts.
Consumer complaint received 2021-01-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY XXXX XXXX XXXX, 2020 add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

This problem is with a Citi Rewards card. Since XX/XX/2020 I - like many other people - have been experiencing problems with both receiving & sending mail. My credit card from Citi Rewards has been arriving late. As soon as I receive it, I immediately call Citi Rewards to inform them of the late delivery - write a check & send it in. OK - I've done my part - however Citi Rewards doesn't see it that way & they cut me off saying I hadn't paid. Not true - I sent a check to them over 2 weeks ago & it is delayed in the mail. I have a good credit history & payment history - but this virus has thrown everything out of order. I want Citi Rewards to rescind fees to at least all of us who are good customers & reinstate my account. I see no reason for Citi Rewards to withhold service given the situation we are all in. I am not the only 1 - I've heard from friends & neighbors being in the same situation. This is not the time for credit card companies to be gouging us w/extra fees when the situation is beyond the consumer control.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I originally had an account with XXXX that was closed more than 8 years ago. The account was sold to XXXX. I settled the account for XXXX XX/XX/2016. I notified TransUnion to update my credit profile on XX/XX/2016 using the XXXX XXXX direct dispute and Transunion states that they concluded their investigation on XX/XX/2016 and that the account would remain open with the original balance of {$550.00}. They need to correct the inaccurate information on my credit report immediately. I have attached the XXXX XXXX Settlement Statement to this complaint.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-11-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Pacific Rim Alliance Corporation (AZ)

After paying on this loan since XXXX of 2014, I would call just to find out that the amount of the loans continues to stay around the amount the I borrowed. I was not under the impression that the payment that I make every payday most if not all is going towards the payment. I came to find out that it 's only paying towards the interest.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX  of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

In response to Consumer Bureau : XXXX Doctors Business Bureua To Whom It May Concern : The Affidavit was typed! 
Please be advised that I have received your correspondence dated XX/XX/XXXX. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-11-17
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. (NJ)

Experian fails to investigate a Medical collection from a company called XXXX this is not my account and is for XXXX $ from 2013! I have asked for an investigation proving it belongs to me with no success I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file. 

this has been over 30 days
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (HI)

On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. 
So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. 
My neighbor used his XXXX  to go online & create an account for me. Following their website steps to create an account. 
I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! 
To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! 
Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (GA)

One Advantage Debt Account # XXXX was paid in full amount {$54.00} on XXXX/XXXX/16 via mastercard to creditor XXXX XXXX XXXX directly. 

However, One Advantage fails to acknowledge that the debt is paid in full. I have asked them to contact XXXX XXXX directly to confirm full payment, yet they fail to do so.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

In XX/XX/2018Navient took ownership of my FFEL Student Loan. That loan has been in good standing for at least the last 10 years with XXXX and then XXXX, with no issues. I had been paying {$450.00} to them for a few years with no problem. 

When I was notified about Navient taking ownership of my loan I was told to wait for them to contact me. I did just that. I spoke to a Navient representative on XX/XX/XXXX and was told that I had to establish a new account with them and needed to discuss repayment options. 

I gave them all the information they requested. I requested that my loan be considered for forgiveness given the account has been in good standing for 10 years and I've been paying the loan off over 18 years so far. Anyway, he said that i'm not eligible because my combined household income is too high. He then proceeded to say that the only repayment option that I'm eligible for is a revised income repayment option @ {$330.00} per month. I refused stating that with the previous agreement I was on track to be paying the loan off for another ten years. I told the gentleman that I don't want to be paying off my when I'm retired and on social security. So, {$330.00} is too low. I wanted an option comparable to what I was paying to shorten the amount of time and interest paid, or loan forgiveness. He said He'd talk to a supervisor about other options. Then, he hung up on me.
Consumer complaint received 2018-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (MD)

Hello, I paid off my loan with Mercedes Benz Financial since XX/XX/XXXX however, till date I have not received my title. I have reached out to them multiple times most recently on XX/XX/XXXX and was given the same run around including that it was mailed on XX/XX/XXXX. What I received in the mail specifically has a disclaimer in bold letters on top, stating that " THIS IS NOT YOUR TITLE ''. I've consistently brought this to their attention and still no resolution. On my last attempt, the rep indicated that I had to pay to receive my title. This fee was originally included in my payoff quote last year, since I haven't received what I initially paid for, why charge me again? 
In my family, we have a long history of Mercedes Benz ownership, and until recently Mercedes Benz have commoditized it's brand, which has led to extremely low standard, deceptive practice, and poor customer service. This is yet another horrific experience. I simply want to be done with this company!
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I had a XXXX XXXX Credit Card with Wells Fargo Bank that was closed by Wells Fargo without notice. The account was opened in XX/XX/2016  and never had a balance because it is a credit card that is used for medical expenses. Fortunately, I did not need to use it. When I went on the Wells Fargo website to pay my mortgage and other Wells Fargo Credit cards I noticed that the XXXX XXXX was closed. I never received any e-mail, letter or alerts that the account was pending closure. I called up and asked why the account was closed and WF informed me it was closed due to inactivity. I asked why I was not notified and was told someone would contact me in a few days. About a week later I received a letter stating that they do not notify the customer if the account is closed and I would need to go to XXXX XXXX if I wanted to reopen the account. I do not want a new inquiry on my credit report and do not want to have an account showing as closed by the creditor. If I had known the bank was planning on closing the account I would have paid a doctor bill with it to keep it open. I would like this account reopened and I will make a payment to my doctor when I get my annual physical.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, Experian & XXXX  to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX XXXXXXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXX Bank this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America offered me a Forbearance immediately following Hurricane Irma in XX/XX/2017. I asked them the conditions and they specifically told me that I would be able to postpone 3 months of payments and those payments would be placed on the back of the loan. Upon the 3rd month of Forbearance they were trying to get me to do a loan modification, which I refused. They then created an escrow account and pre paid my Flood Insurance and Property Taxes that were not due. I had paid my Home Owners Insurance so they could not pay that. They then told me that all 3 payments plus the 4th month were due in full to avoid foreclosure. I paid the entire amount to bring my Loan current and complained about what they had originally told me. The Account Manager XXXX XXXX told me that they didn't know at the time of the Forbearance that it wouldn't be put at the end of the Loan. I was told everything would return to normal which it did not. They then imposed a XXXX month Escrow account, my normal payment is XXXX a month now it is XXXX a month. I have been fighting with them for months offered to pay the escrow account to a negative balance and eliminate this insane escrow account which they refused. They are also now telling me that I am about to be force placed on insurance which they already paid. I am beyond frustrated dealing with this bank. I have placed no less than 100 phone calls and one of their employees recommended that I file this complaint as they were able to see the calls and they felt the bank is targeting me to try to get my home. I will not let them because I have too much equity in it. I am current and have not been behind at all with the exception of the forbearance in which I was lied too about the terms on numerous occasions. I have documentation, documenting all calls made and to whom. They should not be allowed to get away with this. I feel that poor people with no resources would lose their homes due to this type of predatory behavior. They also will not give me a letter to lower my Insurance Deductible from XXXX to XXXX. They also dictated how my Insurance Checks were used when I rebuilt my home and they forced me to pay a Contractor who did not complete the work and left me having to do it on my own being BOA refused to cut the check to me. This is a problem that should be addressed by the CFPB for all Banks as well. I paid for the Insurance and they dictated how it was spent and to whom and I was left repairing damage on my own that I could have completed if I had been in control of the Insurance Money that I paid for to insure my home. The list just goes on and on but those are the major issues. You really can't make this stuff up and most people can't even comprehend what they have put me through when I tell them about it.