davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Direct Recovery Services, LLC (FL)

I received a call from Direct Recovery Services. They asked for my social security number and would not tell me what the debt was they were calling about. I do not give this information over the phone. I called back 3 times and without my social security number being verified. I am awaiting verification from them in my e-mail. They were unaware of the original claim and the particulars of what it was for. From my best information, it seems to be a debt about mental counseling, which never happened. I was living at a homeless shelter at the time of their supposed inquiry. I was under XXXX County Health District and never received XXXX XXXX XXXX so this is a totally bogus attempt to rip off the government. Cease and desist would be in order and anyone trying to defraud the government should be rigorously prosecuted. Thank you.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Brown and Joseph, Ltd (PA)

A man named XXXX XXXX from a collection agency called XXXX XXXX XXXX in Illinois made a harassing phone call to our business today. He claimed that we owed a company called XXXX XXXX for a surety bond related to a shipment that was delivered to our building ( XXXX XXXX XXXX XXXX, XXXX PA XXXX ) in XX/XX/XXXX. 
We have never done business with XXXX XXXX. We have never requested a surety bond from any shipping company. We did not even own the building in XX/XX/XXXX. We bought the building in XX/XX/XXXX. 
XXXX XXXX claimed that we had received multiple notices from XXXX, which we had not.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens Bank sent me a new debit card for my checking account indicating there was an issue with the card. They never identified the issue but I am assuming it was a security breach. I received the card and activated it but it did not work. I went to the branch in XXXX XXXX XXXX on XXXX XXXX to get this remedied. They claimed to have fixed the problem and I gave the card to my husband to leave town for XXXX  with my children. He got to XXXX and the card did not work. HE HAD NO ACCESS TO OUR MONEY. I called the XXXX number XXXX XXXX and spent 30 minutes on the phone and was told the issue was fixed. He again tried to use the card and it did not work. I called the XXXX number on XXXX XXXX and spent 1 hour on the phone to get the issue remedied and was again told they had fixed it. My husband tried the card again and the again the card did not work. I called the XXXX number again on XXXX XXXX and spent another hour on the phone and was told they were sending me a new card by overnight mail. At this point my husband had to borrow money from a friend because he could not access our account that had over {$40000.00} in it. It is now Tuesday, XXXX XXXX and the card has not arrived despite assurances that I would have the card by Friday XXXX XXXX. I am again speaking to Customer Service and they are telling me the card has not been SENT!!! I am incredulous and can not believe that I do not have the card. I am now being told that their own fraud department continues to stop the card from being sent to me. The card was placed on fraud hold 4 times last week despite my calling each time and giving them every bit of information asked for. They can not explain why there fraud keeps stopping the card. This is an absolute abomination. I still have no card and no assurance that I will get a card anytime soon.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 2017.
Consumer complaint received 2017-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
Consumer complaint received 2024-08-30
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (RI)

After receiving a past due notice, I called on  XXXX  to inform  Nelnet that m y bank showed my {$660.00}  XXXX  payment delivered on  XXXX .  Via speake rphone my wife and I heard :  1 ) Th ere was no record of a paymen t 2 ) T he  XXXX  monthly payment would go to more than {$1000.00} as the  XXXX  payment, listed as regular " regular payment '' on the bill, was for interest only.    3 ) There w as no record of the lost payment and no explanation for the increased monthly amount.    4 ) A fter a transfer to a supervisor, "  XXXX  '' stated that :  a ) A new account number was needed for payments b ) Ther e was no credit listed to the old account.    c ) Service personnel were " Not allowed '' to review income or payment cal culations d ) A 2 month forbearance was offered to give time to resolve the following issu es : 1. Co pies of electronically signed agreements and disclosures - none being available on the website.    2. An Amortization schedule for the current loan 3.   A clear presentation, with figures, of the available loan choices   4. A guarantee that the account will not be listed as past due because of accounting errors.
5 ) On the same day as   the above conversation, my bank e-mailed to say that the payment had been rejected b y Nelnet ( with no notice, to us, or apparently, to the Nelnet staff  ).     Background for this complaint - having  XXXX , in part to deal with my wife 's health issues, I requested an income contingent payment since my income had dropped and would continue to drop ; rising payments ever y two years would quickly become untenable.  The request was rejected until all of our loans were consolidated. After consolidating I was asked to resubmit affidavits stating my income for   XXXX   as well as income for my wife. At that point, even after having been " approved '', I could not get a firm figure over the phone for the payment amount. The story was that calculations were done by an different ( and unreachable ) department and that I would be advised when the payment was determined. I did certify that I would report income changes on a yearly basis but did not see an amortization schedule.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Protection Association, L.P. (VA)

I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Consumer complaint received 2022-11-16
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Consumer complaint received 2017-06-26
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. (VA)

I keep getting negative collections on my equifax report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

In XXXX 2014 I purchased a new XXXX from a local dealership in XXXX. My downpayment in cash was over 50 % of the total vehicle cost and the dealership financed the balance over 3 years with Huntington National Bank with whom I had never previously done business. My credit rating is very high and I provided proof of more-than-adequate private insurance coverage on the new vehicle. Since I wished to pay off the loan earlier than 3 years I would often send 2 or 3 payments in one check with the accompanying tear-off coupons from the book sent me by Huntington. The final coupon instructed me to call for a pay-off amount, which I did. Since the pay-off amount quoted was somewhat higher than I expected since I had paid off the loan 11 months early, I queried this. I stated that I had never been mailed any sort of statement by Huntington as to how my payments had been applied, how they arrived at the pay-off amount, etc. I was told that the pay-off quoted included a {$40.00} insurance premium for what turned out to be a forced insurance situation that would have covered Huntington had my insurance been cancelled during the life of the loan ( it had not and remains in full force and effect ) or if my car had been totaled ( and presumably Huntington would not get sufficient settlement to pay off the loan balance ) - the car has never been in an accident. I contended I should not be forced to pay this but paid 'under protest ' and then filed a complaint with the OCC , having first tried to resolve the issue over the phone with Huntington 's corporate office - to no avail. Filing the OCC complaint got me a brief phone call from the same corporate woman I had already spoken with previously and a follow-up letter enclosing certain copies - one of which purported to be the print-out of all the payments I had made through the 2 years 1 month. However, the print-out not only only covered the last 11 months of the loan ( the first 13 months were missing ) but it merely showed the monthly amount reflected on each coupon and the date each payment was due - not, as had actually happened, the actual amounts of the various checks I had sent to Huntington. I would be very glad to hear from all Huntington auto loan customers who have experienced the same issue as I always believe there is strength in numbers. Not only that but, quite by chance, a car salesman at the dealership where I had purchased the vehicle told me ( when I called to complain to them, too, about this matter ) that he had been charged at point of pay-off on his car loan and that he had complained and ultimately ( after 5 or 6 months ) Huntington had sent him a refund check in the mail for a little more than the amount he complained he had overpaid. Of course, it might be that since he worked for a car dealership that hawks Huntington auto loans, whereas I do not, that he got preferential treatment - I dont know.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : TRANSUNION : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX throughXX/XX/XXXX.
Consumer complaint received 2017-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (PA)

I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s.
Consumer complaint received 2017-06-23
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 — Investigation took more than 30 days
Company: HW Holding, Inc (TX)

Hunter Warfield is reporting an inaccurate collection account which they have no proof of. They claim they are collecting on behalf of XXXX XXXX for carpet replacement due to damages they said I made to the carpet when I lived there but they have no proof. Last year, I contacted Hunter Warfield to  dispute the debt and to inform them I had no knowledge of such damages and asked them for before and after pictures of the carpet showing the condition when I moved in and pictures of the carpet when I moved out, as well as a copy of the receipt showing the amount XXXX XXXX paid to supposedly replace the carpet which they are charging me for. I also informed them that the carpet was old and had stains when I moved in and that I had included that on my move-in inspection list which I turned in to XXXX XXXX. After 30 days of my dispute to Hunter Warfield, they sent me a letter notifying me they were not able to obtain the proof so they agreed to remove from my credit. Which they did. This year, Hunter Warfield sent me a letter they obtained from XXXX XXXX saying I owed for carpet repairs as their proof. That is not proof. Pictures and receipts are proof. Anyone can just type up a statement saying I owe them money but that does not mean it is true. XXXX is just trying to get me to pay for new carpet because it was already old and needed replacing. Also the move in check list I gave XXXX XXXX when I moved in is my proof that the carpet was already stained.
Consumer complaint received 2017-06-23
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: SUNTRUST BANKS, INC. (GA)

I called the credit bureaus and they stated they could not have them removed even though I told them they are not mine and there was no verifiable information linking me to the credit inquiries.