davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (FL)

The company is called One Main Financial, It was in XXXX when i applied for it, it is a unsecured loan. I went through two traumatic experiences last summer and it has affected me to repay these loans. 
Account Number Ending XXXX Dear XXXX XXXX : This is a reminder that your payment of {$2400.00} is due on XX/XX/XXXX. If you have not yet made arrangements, please consider using one of our convenient payment options : Call us at XXXX to schedule a check by phone Web Payment option by visiting us at : XXXXpayment Mail your payment to : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Standard hours of operation are XXXXXXXX XXXX XXXX XXXX XXXX ET with extended office hours in some locations. 

Thank you in advance for your prompt payment. 

Sincerely, OneMain Financial Services
Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I received this VanillaGift as a gift and when I opened it, the card numbers were scratched off on the front. I can see the first XXXX digits and the expiration date, but nothing else. The back information is fine. 

I tried to contact VanillaGifts phone number ( XX/XX/11 ) and finally, after going through the automated service, they connected me to a customer service rep. The rep is requiring my name, phone number, email address, and mailing address, I assume to mail me a new card ( did not say ). 
They also went on to say they need pictures of : The front and back of my photo ID The front and back of the gift card The receipt, which I do not have since it was a gift. 

This is crazy and XXXX cant even use the various serial numbers or bar code on the back of this card to provide any information. Please help.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On the morning of XX/XX/2020, I called Specialized Loan Servicing LLC to request a XXXX Month Covid-19 Forbearance under the Cares Act, as they are supposed to be my loan servicer ; yet, my call was automatically transferred to a third XXXX XXXX Bankruptcy XXXX. The representative at Specialized Loan Servicing said that I was as being transferred to the bankruptcy department of Specialized Loan Servicing, but National Bankruptcy Services is a separate company. I was unaware that XXXX XXXX  XXXX was servicing my loan. I was. Not notified by anyone of this reality. In addition, every time I call Specialized Loan Servicing, my call is automatically re-routed to XXXX XXXX XXXX. Also, I have been denied access to my home loan account. I created an account online, but when I sign into my account, it says my account is not viewable.
Consumer complaint received 2023-12-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from XXXX XXXX XXXX that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that XXXX XXXX XXXX center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
XXXX can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

About 2 months ago I noticed some fraudulent charges on my checking account from the XXXX store. I never had an XXXX  store account before so I called the bank and explained what happened. The gentleman on the phone and I came to the conclusion my card number had been stolen and he said he would work on getting my money back. He ordered me a new card after cancelling my old one and I moved on with my day. About a week or so later I noticed the money was back in my account for almost {$200.00} and accepted the fact they fixed the issue. 

I noticed today when checking my account I was {$170.00} in the negative on that same checking account and noticed they all said miscellaneous charge and so I called the bank to ask whats up. The woman I spoke to talked to her manager and they realized it was because when the investigation had concluded they deemed most of the charges not fraudulent they took the money back. They had sent me a letter about a week or so ago it but when I read it I didn't really understand what it was explaining other than 'investigation concluded no further action needed ' and just put it in with all my other mail and forgot about it. The woman explained there was nothing they could do the charges are valid. I explained again I do not have an XXXX store account and she said there was nothing they can do. I then explained how this made me upset and that I was cancelling my accounts tomorrow and banking somewhere else. She then told me to have a great night and thank you for banking with us and abruptly hung up.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MI)

Pro Collect has XXXX collections for XXXX apartments XXXX for {$790.00} and the other for {$980.00} i have disputed this and told them it was identity theft and i didnt live in any of these apartments. I have even tried to settle for half the amounts that is said to be mine on both accounts the rep over my account is rude and will not correct any of this. ive asked several times for the contact with my legal wet signature i also asked him to send me proof of ownership of this account and he has never provided any that.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have requested from XXXX/XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.
Consumer complaint received 2018-09-04
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. (TX)

XXXX XXXX XXXX agreed to remove late payments that were reported in error from XXXX of XXXX - XXXX of XXXX. However, they reported us late in XXXX also. I made a payment to XXXX XXXX XXXX on XX/XX/2018. According to a letter I received from to XXXX XXXX on XX/XX/2018, XXXX XXXX XXXX sold the loan to them on XX/XX/2018. For some reason XXXX XXXX XXXX reported us late only to Equifax in XXXX. Now, Equifax is refusing to remove the late because they say they need a letter from XXXX XXXX XXXX even though we sent the the letter from XXXX stating the loan was sold on XX/XX/2018 and the letter from XXXX XXXX XXXX stating the lates were reported in error. The two letters were uploaded to them, Equifax, and they are saying it is " A '' letter from both companies and they can not accept it. Please see attached documentation. I hope this does not delay the " investigation '' that is going on between Equifax and XXXX XXXX XXXX  as we are trying to get this resolved and close on a new house by XX/XX/XXXX. I have combined it into one file and also individually.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS (MD)

Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. XXXX has neglected to correct my information shared with the public
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

On XX/XX/ " CBNA '' has furnished a hard inquiry on my XXXX credit report. 
I first sought out to resolve the issue with the " CBNA '', but there is no information on the company to ask for information. 
From my recollection, I have received no " firm offer of credit or insurance '' from the company listed on the dates listed nor since the dates listed nor before.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am reaching out due to an ongoing issue I am having with Bank of America. Ive had a personal account, and I receive my direct deposit from my job directly to this account. However, when I tried to log in to my online banking I received and error message. When I called customer service, after spending almost 30 minutes being passed around the phone, they advised my account is being closed and they could not give me any information. The communication from the bank has not been clear and I have received conflicting information. I feel misled, taken advantage of and pushed to the side. This is unfair as the funds from my job are what I use to support my family. I tried explaining this to no avail.

The way Ive been unfairly treated by Bank of America is completely unacceptable. I received a call from one of their reps advising that someone from the resolution department will call me in 4-5 business days and they provided the number XXXX. Today my direct deposit from my job hit the account but the funds are being held by the bank. I am a father of XXXX small children and the only source of income in my household. These funds are directly from my job with the XXXXXXXX XXXX XXXX and not the first time this direct deposit has been deposited to my account. When I tried calling the number mentioned above no one answers and when I called the bank in regard to the funds the information given is confusing, I am given the run around and they are neglecting my request for proper information. I feel I am being discriminated, not given proper accurate information and just pushed aside when this is a very important matter to me. I need the funds to be released and for them to allow me to access the funds or withdraw from the account. If they choose to close the account after that is fine but I need my hard-earned funds to be released to me immediately.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (NJ)

I received a call on XX/XX/XXXX from XXXX at Southwest Mediation services. The phone number was XXXX. XXXX left a message saying that I was " directly involved in a potential civil action. '' I returned the call. XXXX told me, " I am not a debt collector, I am a mediator. '' She explained that she represented a firm called XXXX, from which I had allegedly obtained a 5 year subscription to a number of magazines. She told me that these magazines were delivered to me at XXXX XXXX XXXX XXXX ( I presume in XXXX XXXX, because this address is near where I now live ). In subsequent communication via the XXXX XXXX XXXX complaint system ( I received a reply on XX/XX/XXXX after filing a complaint on the XXXX ) the company says I did this " while employed at XXXX XXXX XXXXXXXX XXXX XXXX In the original call, XXXX said that I stopped paying this subscription at some point before XXXX, at which time it was taken to collections. She said that XXXX was now going to sue me for {$4100.00}, and that she needed to " decide how she would rule on this. '' She wanted me to settle the alleged debt for a smaller amount, and she was prepared to take payment directly. 

I have never subscribed to these magazines, have never lived or worked at that address, and did not even live in New Jersey at the time this " contract '' was allegedly executed. No collections have ever appeared on my credit report. The caller spoke as if they were an officer of the court, and attempted to strong arm me into paying. They said I would be sued if I didn't pay. And even if the subscription defaulted in XXXX ( which I adamantly deny ), the statute of limitations for collection has run out anyway. And we won't even start on how to get {$4100.00} out of a default on a magazine subscription. 

This firm is probably just committing a fraud, but are at best a debt collector masquerading as some kind of court-authorized official. They are not a mediator. For mediation to occur, both parties must voluntarily enter into mediation. I have not done that. A mediator hears both sides, and uses that information to render a fair decision. They provide only one side of the case, and do not listen to the other side at all. A mediator would listen to one party saying that they have evidence that the claim of the other party is false. Instead, they lean on one party at the behest of the other. And, they want that party to pay them directly, to make the case go away. A mediator would not do this. So they are a debt collector. Even the language they use in response to my complaint and throughout on the XXXX site ( We will send this account back as refusal to pay ) is the language of a debt collector. 

But far from collecting a legitimate contract debt, I believe this firm is simply perpetuating a fraud, which judging from the depth and breadth of complaints against them on the XXXX side, is widespread.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

All of XXXX and continuing into XXXX, XXXX and Transunion refuse to follow all USA Federal Laws and State laws for Identity Theft and Fraudulent Credit Card Take Over is credit card fraud to block and delete both XXXX XXXX credit cards # XXXX & # XXXX. 
XXXX XXXX has laced false line entries on both XXXX XXXX credit cards # XXXX & # XXXX and has stolen my XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX. XXXX XXXX has posted false line entries for false payments to get interest and late fees 2 to 3 months later and XXXX XXXX has moved my payments back and forth between both credit cards to create interest and late fees. THE CARDS ARE CLOSED because of XXXX  XXXX compromising both # XXXX & # XXXX XXXX XXXX credit cards is FRAUDULENT CREDIT CARD TAKE OVER AND IDENTITY THEFT. XXXX XXXX continues to post false line entries to get interest and late fees after the XX/XX/XXXX both credit cards CLOSED is credit card fraud. XXXX XXXX has stolen XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX THREE TIMES ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and charged interest and late fees illegally ). NOT FCRA and violating Fair Credit Billing Act and the AZ Consumer Fraud Act ARS 44-1522 and ARS 13-2008. 4 FTC Identity Theft Reports, XXXX Police Report and all the laws all 3 parties have violated are attached.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (SC)

On XX/XX/2018 at XXXX, I attempted to contact XXXX XXXX XXXX to set up a payment plan on an account that I previously owed. At one point in time, I was set up on payments for this account but I was unable to continue making the payments. When I contacted them, the lady that I spoke with told me that in order to get me set up on a payment, I would need to provide them information regarding my personal finances. I told them that I was not comfortable providing that information, nor per the FDCPA was I required to provide this information. I told them that I could set up payments semi monthly in the amount of {$30.00} ( a total of {$60.00} a month. ) The woman told me that she was unable to set me up with that amount. Seeing as I work in Compliance for a collection agency, I do know that it is a violation of the FDCPA that they can not refuse any amount that I am willing to pay. I do have a copy of the call on my phone as well as I do record all of my calls, as well as they record their calls. Due to the illegal practices of this company, I want this debt removed from my credit report and for the account to be closed. I will continue to file complaints until this has been resolved.
Consumer complaint received 2023-05-08
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-20
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. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA (NY)

Hello! 

XXXX. I am XXXX XXXX, I live in XXXX NY, XXXX XXXX in the rural area blanketed by snow and ice and really cold weather in XXXX and XX/XX/XXXX and now again in XX/XX/XXXX. FEMA approved me as an individual victim of the Deadly winter Storms of XXXX FEMA Disaster XXXX, but, Apple Titanium Credit Card run by Goldman Sachs does not know how to give me a three month hiatus on payments to them nor the 3 months of interest and late charge free benefits as a victim of these National Disasters. 

2.Plus, I am XXXX and they do not allow me to request a " reasonable accommodation " under the law as a 100 % XXXX person. That is a violation of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Goldman Told me I am crazy and not allowed to get any benefits. 

XXXX, Plus, as a Senior XXXX person in XXXX, I am allowed to request special services so when I am injured as I was recently, I can get a waiver of interest and payments in a special assistance plan, which apparently I dont qualify for because Goldman told me that they do not help XXXX people in the Apple Credit Card program. 

XXXX the Apple Titanium CC program joint venture apparently has been dissolved by Goldman so there are NO more phone calls servicing available I have spent the past year calling these people and the Supervisor line is non existant anymore. I want a courtesy inconvenience credit for failing to answer at least thirty phone calls per day for the past month of XXXX.. 

So, I expect to recover from the Disaster and my injury in the next few months, No one in Goldman knows how to apply Disaster Relief nor XXXX Relief under XXXX nor acceptance into any program to waive fees and interest for three months as the law states. 

Can you help me convince Apple and Goldman that XXXX people stuck in the Disaster Area with ten feet of snow need a helping hand? 

The FEMA Disaster Approval code for these winter storms is XXXX. as well as a second disaster in XX/XX/XXXX. I filed complaint for disaster aid # XXXX