davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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: DISCOVER BANK (GA)

On XX/XX/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. 

On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX  XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX  XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. 

On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX  XXXX. Since then, Discover insisted that I owe XXXX XXXX  {$11000.00}. 
Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX  XXXX   wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars  ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. 
On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX  XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. 
I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Recovery Group (NJ)

Alliance Recovery repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in 2011. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (AR)

I have checked my credit report and I've seen so many inquiries on my XXXX and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!
Consumer complaint received 2021-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I applied to the Public Service Loan Forgiveness ( PSLF ) program and my federal student loans were transferred from XXXX to FedLoan Servicing, a requirement of the PSLF program. FedLoan accepted me into the program, but rejected ( for false reasons ) the vast majority of the payments I made on my student loans over the past 10 years. I have made, upon my review, 50 qualifying payments on one loan that were deemed " ineligible '' payments and 41 qualifying payments on a second loan that were similarly deemed " ineligible. '' Almost all of these rejections were based on a payment being made late, even though they were made on time. I submitted evidence of these timely payments to FedLoan Servicing a month ago and have gotten no response.
Consumer complaint received 2019-08-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST (MO)

XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (OR)

I called to cancel my XXXX XXXX on Wednesday XX/XX/XXXX because I was changing my service to XXXX/XXXX on Saturday XX/XX/XXXX. The representative advised my cutoff date for billing was the XXXX of each month. During that call I explained to the representative that I was working from home that week because of sick kids and needed my internet services for Friday the XXXX. She placed me on hold for several minutes and came back and said she was able to work it out that I could keep my services until XXXX on the XXXX with no additional charges and I would not be billed for another month. I returned the equipment withn the boxes and XXXX tracking they provided within a week of cancelling the services. I did not receive any calls or follow up from XXXX until XXXX. I received a past due notice saying I owe {$81.00}. I called XXXX on XX/XX/19 and spoke with XXXX. I was told an investigation would be opened and completed about the bill they sent under claim # XXXX and it would be up to 5 days. I asked that they listen to the call to confirm what I was told and I requested the bill to be waived after listening to that call. Again I did not receive any follow up until XX/XX/19 when I got another bill for {$290.00}. I no longer have access to my old account online and they failed to follow up in writing or by phone. It is XXXX XXXX error for this bill and they need to waive it based on what I was told during my cancellation call. They can confirm all this by reviewing that call as they should be recording their calls. I previously filed a CFPB complaint against XXXX on XX/XX/19 but it was forwarded to the FTC and I have not received any follow up from Frontier. That complaint number was XXXX.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

I have a Fortiva credit card and I noticed that on XX/XX/XXXX and XX/XX/XXXX I was charge by XXXX   {$180.00}. I didn't notice the charge until my XXXX statement and on XX/XX/XXXX I call Fortiva to complain about the charge on my cardthak I did not make. They explained to me the would send me a complaint form out asap and once they received that then they could move forward with my complaint. I asked is there anyway to go online to their site to make this happen faster and was told its only by regular mail. I had no choice but to wait for the mail to command since my complaint to Fortiva Credit Card Services they have sent me a new credit card because the old was tainted as they said and I have also received my XXXX statement. I decided to call Fortiva Card services on XX/XX/XXXX and ask where the complaint form was and the gentleman on the phone said I should have seen it and he is going to send me a new one asap for me to file my complaint. XX/XX/XXXX still No complaint form so I call Fortiva card services again and this time I ask for a manager and I was told mangers don't talk to people on phones. So I asked are you located in the Staes or over seas he says he is from XXXX   and I asked again for a manager and he says again our managers Do Not talk to people I will get a supervisor so I agree but before transferring me he tells me the person I spoke to on the XXXX of XXXX can't mail you a 2nd complaint form you only get one by mail then he offers me to have a form emailed to me. I asked is this something that has always been available and he said yes email or regular mail and I asked why that wasn't offered when I asked on the XXXX and the XXXX of XXXX and he had no answer. I finally got the supervisor on the phone and asked is your office located in the states and she said No we are off shore so I asked again to be transferred to the states to speak to someone. She then said to me we Do Not transfer people to the Staes we can't. I have been trying to get this fraudulent charge off my card with Fortiva for 3 weeks now and I am NO further then I was on XX/XX/XXXX. This is getting very frustrating that they do NOTHING for their card holders. I just want my {$180.00} plus all interest charged to me back on my card and my credit card company Fortiva has done Nothing but lie to me and give me a run around. This scam that XXXX has going on is all over the internet with A LOT of people complaining to their credit card companies and they are getting results like paying back the persons card and dealing with getting the money back on their own not making their card holder wait " the proper way of doing things ''. 
Thank you for you time
Consumer complaint received 2019-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Repeated calls ( 12 ) throughout the day ( XXXX-XXXX ) every day of the week/weekend for the the last 3 1/2 days. I am 7 days late on a Master card ( issued by fifth third bank ) payment due to medical problems resulting in early/unexpected retirement on XX/XX/2019.
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Nationwide Recovery Service by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, Nationwide Recovery Service is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019, I was referred to XXXX by an Agency to inquire about the cost of a program that both organizations participate in. 

The Sales Associate stated yes but needed to print the required form and I never got the Form. 

The Sales Associate asked for basic information and identification but at no time during the encounter that I give any Sales Associate at XXXX the permission to conduct an inquiry of my personal Credit Report. 

I did not agree to the cost of XXXX XXXX and I left the store. 

I went home and check my Credit Report and History. I found that an Unauthorized Hard Credit Inquiry was conducted by XXXX that reflects a Hard Inquiry on TransUnion. 

The identifying information provided by XXXX is incorrect/false. 

The information does not reflect my correct Mailing, and Physical Address nor City ;  also, I do not have a XXXX phone. 

I contact both ( XXXX and TransUnion ), by telephone on XX/XX/2019 to delete the Hard Inquiry from XXXX, dated XX/XX/2019 because it was unauthorized. 

TransUnion states the following : 1. I need to submit a Deletion Letter from XXXX. 
2. A letter from myself authorizing TransUnion to delete the Hard Inquiry by XXXX. 
3. I was given a case number, ( XXXX ) for future reference. 

Also, I contact XXXX Corporate Office by phone on XX/XX/2019 for a Deletion Letter but was advised that : 1. XXXX does not issue Deletion Letters ; instead, 2. I should dispute my Case with TransUnion through the Consumer Finance Protection Bureau. Furthermore, XXXX Corporate Office give me this web site : www.consumerfinance.gov and suggested that I follow the procedures and guidelines to file this report.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you!

please help me. I do not have a soical security number but I do have a credit card!
Consumer complaint received 2019-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I got a loan through XXXX XXXX XXXX ( XXXX ) for the purchase of my home. On XX/XX/XXXX I got an email from XXXX stating that my loan would be transferred to Nationstar Mortgage LLC d/b/a Mr Cooper effective XX/XX/XXXX. The letter also indicated that if I was set up for auto pay everything would roll over and the terms of my loan wouldnt change. On XX/XX/XXXX Mr Cooper took out XXXX to cover my principle, interest, taxes, and insurance. On XX/XX/XXXX they then took out XXXX which wasnt the usual {$1400.00}. I called them on XX/XX/XXXX and they told me that my insurance wasnt escrowed. I gave the girl XXXX phone number so she could get what she needed from them. Almost a month later I have still not heard from Mr Cooper to confirm that my payments are not back to XXXX and what difference I need to pay to bring my escrow balance up so its not short. I also made a follow up call on XX/XX/XXXX only to be transferred several times and for another girl in the escrow department to tell me that my payments still do not indicate the correct amount. I want Mr Cooper to work with XXXX and get whatever they need from them. The second girl I spoke with on XX/XX/XXXX also informed me that they did receive the documents from XXXX so I dont understand the issue and why this hasnt been corrected so that my XXXX payment isnt short as well.
Consumer complaint received 2019-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (NY)

NAVY FEDERAL Bank is prohibited from loaning ( risking ) its assets under Title 12, it therefore routinely does illegal conversions of the notes ( Credit applications ) of its customers, thereby converting promises to pay into drafts, or, orders to pay, then writes said securities to its books as assets of NAVY FEDERAL Bank that, as part of its routine business practice, NAVY FEDERAL Bank did such a conversion of the note/application of XXXX XXXX, the property of XXXX : XXXX, by converting said note into a draft or order to pay and then did write that security to its books as an asset of the bank. 
This is illegal conversion was not only a failure to safeguard the property of XXXX : XXXX, under the Privacy Act, but was also theft of XXXX : XXXX property by deception.
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (VA)

XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (WA)

I received a notice from XXXX XXXX about a past due account on my credit from Monterey Financial Services. I have never heard of them before. I called on Thursday, XX/XX/XXXX. They advised they were a financial company that took over a current loan I have that was previously under XXXX. I explained my situation that I had received notification from XXXX XXXX that I had a past due account with them. Monterey then states that my account is pending collections for non payment. I advised that I would be more than happy to pay off my past due balance and fees, but the mark on my credit needs to be removed since I was not properly notified. I advised Monterey that back in XXXX, I had switched banks and updated all my information with XXXX. Since my loan is on autopay, no further action should have been needed. I asked Monterey to confirm my contact information, since they said they have made several attempts to contact me. ( I also asked for any proof of them contacting me, such as the letters or call logs. They refused to give me any information. ) Turns out, both my email and mailing address were incorrect. I also told them I had not received any voicemails from them either. I asked Monterey to remove the late payments from my account since I had no knowledge of the company switching to a different financial service. Monterey then told me it is my responsibility to contact them. I asked how I am supposed to contact a company that I didn't even know existed? I spoke to a supervisor who said they would not re-report to the credit bureaus. Monterey said the only way they would re-report is if I paid off my entire balance. I told them I do not have money to pay off my entire balance, but it is not my fault that I was not properly notified of the change to my account. I am asking that my late payments from Monterey Financial Services be removed.