davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

On XX/XX/XXXX I was in an auto accident, at the time of the accident I had state provided insurance as I was still in high school. Due to the extent of the injuries I had to take a ambulance to the hospital from the accident. My XXXX was XXXX and I was unable to move my XXXX XXXX. One of the two XXXX workers were rude and told me I had to move my XXXX, when I told him I couldnt he got rude with me and the other XXXX worker took over. He asked me my information, name, birthdate, insurance and who/what will be cover the costs, etc. When I got to the hospital they asked the same questions. I told both the XXXX worker and registration at the hospital my insurance, XXXX, is what I would be using to pay for the ambulance transportation and the care provided. I filled out all the proper paperwork after my shoulder was put back in place. Less than a week after the accident I received a called asking yet again what was going to be used to cover costs, I once again told them XXXX and was told everything was good they just needed to verify my information. Then in XX/XX/XXXX I received a letter saying I owed {$1400.00} and it was going to collections. I had only received one phone call regarding the ambulance ride and it was a week after the accident happened. I was told everything was fine and my insurance did cover it. I mailed a letter to both the XXXX XXXX XXXX and the collections company telling them that I had insurance and it was covered by insurance, that I shouldnt have a open balance of anything. I called both companies and XXXX XXXX XXXX said that they are no longer in control to write it up the debt off because it got sold to the collections company. XXXXXX/XX/XXXX XXXX  did not have my permission to sell my medical information to the collections company. After I was told the XXXX  company could not remove the debt I called, sent letters and emailed the collections company. When I still didnt hear anything back from them I found their XXXX page and reached out to them on XX/XX/XXXX and told them I did have insurance. I have proof that I reached out with all correct and accurate information. I called XXXX to verify that it was in fact covered by them. XXXX confirmed that they covered the ambulance ride however XXXX XX/XX/XXXX XXXX did not bill them so they could pay for it. I have disputed this multiple times yet have gotten no where with it. I contacted the collections company and asked for it to be removed from my credit because Im not responsible for the debt and I did not give the XXXX company permission to give them my information at the end of XXXX and was told no. I then once again called XXXX and they said that I was not and am not responsible for the debt because they wouldve covered it had the company billed them like they were suppose to. They failed to do their job in a timely manner.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

aidvantage, I have been calling in order to understand what has happened to my student loans. all three times I call the operator was rude, and put me on indefinite hold. 

I m very upset. I m trying here. I would like some clarity on what is happening to my loans, when they will be due and maintain a healthy relationship with this burden. 

I can not believe how unprofessional Aidvantage operators are. It is already hard enough to make payments, now I have to deal with children like behavior from the operators. This is not a game, this is my life. I m trying to put an end to this 20 year debt burden I have. 

XXXX XXXX
Consumer complaint received 2020-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

I closed an account with Citibank and removed the money. Citibank kept the account open and started charging monthly service fees to it. I assumed the account was closed until they sent me to collections over those service fees. I called Citibank and they realized their error, rebated the fees and closed the account as intended. However, since then they will not remove the collections report. I have challenged the credit collections report 4 times with all the credit bureaus and Citibank as verified the collections as accurate each time, rather than seeing this was their error. I have challenged it with Citibank with 5 letters. Citibank only responded once with a form for merchant services ( which has nothing to do with my claim ). I tried calling Citibank 4 times and each time they said they do not have a department to deal with this kind of inquiry. If Citibank will not remove this credit collections from their records, the credit companies will never remove it from my credit. This was an error by Citibank, but now they refuse to remove it from my credit report.
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

Discover Financial credit card stated that i owe {$1000.00} in 2015 I XXXX XXXX XXXX was in Ohio XXXX XXXX XXXX  today im trying to buy a home the result of the identify theft while in XXXX i tried to resolve the discover card services will not correct or fix the issue they want me to pay which i feel i should not have to pay due to i was in XXXX  and that it was not my fault that it as accrued today in buying a home and being on fixed income it puts me in harm and financial hardship
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK (CA)

I have had a HELOC with 3 consecutive banks, it keeps changing hands. The first didn't charge a yearly fee. The second did and took it out of my saving account. The third not only didn't take it out of my savings, they didn't notify me it was due. I went into the bank for something else, found out, and paid the fee and late fees. They neglected to tell me there was {$0.00} cent in interest, shouldn't have been. Then, without telling me, they assessed 3 late fees on the XXXX cents. I has destroyed my credit. It was over XXXX it is now mid XXXX 's. It was over a month ago that I first notified them. No progress yet and the report now shows and additional month late. This is completely their doing, had I been informed of the XXXX cents I certainly would have paid it. I paid other fees they should not have charged me.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

On XX/XX/2020 I sent a letter to the address provided on their website in regards to their derogatory information that is being reported to all three credit bureaus against me. They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt. They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I made a payment on the due date, XX/XX/2020. There was a error during the payment processing and the website would not allow me to revisit the payment page to initiate the process again. The site was routing me to a page asking to verify my email and phone number, however it would not allow me to do that either. So I call Sam 's club credit/Synchrony and they indeed verify the payment was submitted but there was probably just a site error. Fast forward to today XX/XX/XXXX, I received an email saying I was past due for my payment and now I owe two months plus the late fee. So I call Sam 's club credit/Synchrony again and they refused to accept my issue, dismissed my story completely. They have no record of my payment or phone call. They still make me pay the full balance due ( XXXX+XXXX+ late fee ) but agree to credit my account the late fee. However due to their error I'll be paying for it and could affect my payment history and credit.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-12-29
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. (MA)

My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that XXXX has admitted that i was in fact a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, XXXX, Transunion from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

As a hardworking, US veteran, I take great pride in being an American homeowner, and I also take paying my mortgage in a timely manner seriously. My financial hardship began in XXXX of XXXX, when I was laid off from my job at XXXX. Although I was able to find employment at XXXX XXXX XXXX, the salary and hours were greatly reduced. In XXXX of XXXX, I was able to find employment at XXXX XXXX XXXX XXXX as an XXXX XXXXt, again low salary range but great potential for advancement. I was starting to get on my feet financially when COVID-19 hit America early in XXXX. I worked on the frontline during the height of the COVID-19 pandemic. In the Fall of XXXX, schools began closing and my XXXX XXXX job was furloughed indefinitely. I've made numerous attempts to reconcile my mortgage, but have not been able to do so ; I applied for mortgage forbearance, but was declined by my lender. In the month of XX/XX/XXXX, I was hired full time at XXXX, and my salary has increased significantly from my previous salary working for XXXX XXXX XXXX XXXX. Now that I'm in a better position financially, I know that I will be able to make regular monthly mortgage payments. 
I have served my country with honor, and I believe I deserve COVID-19 mortgage assistance with SPS. I would greatly appreciate an opportunity to work with you to put my mortgage in good standing. 
Hardship Milestones : XX/XX/XXXX Laid off from XXXX after XXXX years of dedicated service ( XXXX XXXX ) XX/XX/XXXX Started at XXXX XXXX XXXX at greatly reduced salary and weekly hours ( XXXX  XXXX ) XX/XX/XXXX Began working for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX Began working with XXXX XXXX XXXX XXXX I have paid my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX ) on time for XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. I have submitted loan remodification applications and forebearance plans applications to my mortgage company since XXXX when I got laid off. However, I am turned down each time. Last month, XX/XX/XXXX I was turned down again. Even though I was on the front lines during COVID-19 and I now have a job that pays enough for me to make my mortgage payments, they turned me down without listing a reason. This is unfair and unethical. All I'm asking for is a chance to save my home that I have owned for XXXX years. I appreciate any help that you can provide.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report.

The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise Consulting Services is reporting a charge-off medical account on my credit report that I have no knowledge of. I consider this a case of Identity theft as XXXX  breached my credit information and it only appeared after the breach. I have asked both Synerprise and XXXX   multiple times to provide me detail about this account such as doctor name, full account details, medical documents with my signature, and most importantly a HIPAA release statement required by law. They have not been able to provide any paper trail leading to me to prove their case. They have only tried to verify the account using E-Oscar which has a legal history of being unreliable in court as verifying the debt. I have a right under Fair Credit Reporting and Fair Debt Collecting law to have inaccurate, unverfied information removed from my credit report. Under the FCRA, XXXX  which breached my information to begin with, is required to provide me a method of verification within 15 days of my request and they have not done so. I need this account removed from my file immediately. Synerprise is violating my rights and damaging my credit, and XXXX  is commiting willful non-compliance by not removing the information that can not be properly verified by any means other than electronic file with no backup documents or signatures.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/Sam Club Date : XXXX Account XXXX. XXXX XXXX : {$2100.00} XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX I have send them letters and disputes and they come back as accurate, I never applied for this card and its hurting my credit score i want it off and I have tried to send the company and stil refuse to do it. If not I want this letter send to another claims.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I received 3 books of checks from " TD Bank '' in my name. I do not have any accounts at TD bank and I have not opened any at this institution. I called to report the fraud and they confirmed that someone opened this account using my Social Security Number, they gave me the information to report this issue to the Federal Trade Commission, that website directed me to the CFPB so I can formally submit this complaint.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (KY)

I checked my credit report to see that Franklin Collection Service XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS has been adding negative comments of collection to the 3 credit reporting agencies every other day. They know this drives down a credit score. I have never been contacted by this company -- do not owe them any monies and when I attempted to call they stated unless I could provide them with a payment they would not talk to me and hung up the phone. When I search the web, this apparently is their way of doing business as there are hundreds of complaints about this company. I refuse to give this company money just because they have a tactic to drive down my credit scores. I want them to stop this behavior immediately. They should be able to add negative comments just because they can. They are taking advantage of lots of individuals -- I know this is not okay behavior by any company. I am looking to this agency to stop their behavior.
Consumer complaint received 2021-03-16
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: CITIBANK, N.A. (MA)

My name is XXXX XXXX and I noticed a fraudulent charge for XXXX XXXX when reviewing my XX/XX/XXXX Citibank credit card statement. The fraudulent charge on XX/XX/XXXX was in the amount of {$280.00}. The charge was made at a XXXX store in XXXX XXXX XXXX. All of my charges from the month of XX/XX/XXXX were in Massachusetts. I did not travel to New York. I immediately called Citibank and let them know about the fraudulent charge and they stated they would have to investigate. Citi bank stated the merchant stated it was an authorized charge. Citibank is insisting i pay for this fraudulent charge and report me to the credit bureau if I didn't. I am disputing it as i was not in the area and made no such charge.
Consumer complaint received 2023-01-24
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: WELLS FARGO & COMPANY (CA)

I called Wells Fargo to dispute a charge on my credit card, but was forced to close my account and open a new card. I explained that I had already contacted the merchant XXXX times about the erroneous charge and they acknowledged and promised to refund both times ; I reached out to Wells Fargo because I still did not get the promised refund after a month. I explained that it appeared to be a bad business practice on behalf of the merchant ( XXXX ), but the Wells Fargo rep insisted that the account had to be closed due to fraud even though there were no other questionable charges and the merchant acknowledged the erroneous charge. I did not feel comfortable closing my account but the rep said that was the only way I would not be held liable for the charge. I simply wanted to file a dispute for the charge and get it reversed, since the merchant did not follow through on their promise to. 

The charge in question was submitted by XXXX and posted on XX/XX/XXXX in the amount of {$34.00}. I contacted XXXX directly on XX/XX/XXXX ( the day I received a text notification of the pending charge ) and again on XX/XX/XXXX. Both times, XXXX claimed the refund would post to my credit card in XXXX days. That never happened, so I contacted Wells Fargo on XX/XX/XXXX to file a dispute on the charge. I spoke to " XXXX '' who transferred me to Claims ; then I spoke to " XXXX '' who transferred me to the Credit Card Dept. ; then I spoke to XXXX, who closed the card due to " fraud ''. XXXX said she was required to close the card and issue a new account- and that I would receive a new card within about 7 days. I kept informing her that I did not believe it was fraud but merely poor business practices on behalf of XXXX. I explained that I have an active XXXX account, XXXX acknowledged the erroneous charge, and that there was no other questionable activity on my account - yet XXXX advised that the only way I would not be liable for the charge was if I closed the account. This doesn't seem right. I don't understand why they couldn't accept the dispute request and investigate rather than close the account while opening a new one.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (CA)

West Coast Servicing took over our 2nd mortgage last year from about 5 lenders before them. They have file proof of claim as the owner of the loan. However, we have no contract with them and wanted to know if they are a legitimate company. 

They have filed a Notice of Default and continue to charge us interest and fees starting from XXXX. We have filed bankruptcy and is pending confirmation. However, the fees and interests are piling up causing us more stress. 

We wanted to know if they are the owners of the loan, and if so how they acquired the loan last year and what steps did they do to offer refinancing or loss mitigation.