davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Associates (VA)

I rented XXXX XXXX XXXX XXXX it was a XXXX bed XXXX .I notice the XXXX had mildew .So I ask XXXX to fix it .They refuse I ask them to fix it or let me out of my lease XXXXThey let me out of my lease I was in the XXXX no more than 90 day .XXXX  and myself did a move out inspection they took pictures and I took pictures .I went to collect my deposit .they said that I left damages .I took them to court but the judge told me I can't sue XXXX I would have to find the owner of the apts .I call XXXX they gave me the run around not giving me no information .this was in XXXX XX/XX/XXXX XXXX. I received a letter from a collection agency saying they are collecting XXXX .I have proof which are pictures so this would be a fraudulent case attempting to collect from me Knowing they don't have proof of damage .XXXX never took me to court they went straight to collection. I spoke to collection and it's XXXX word against mines
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This matter is related to a HE Loan held by Citizen Bank ( aka RBS Citizens ). 
In XXXX, approximately a week prior to the auto debit date of the loan I submitted a form through the local branch to change the auto-debit account. Unfortunately, Citizens bank incorrectly keyed the account number which resulted in my loan payment being delinquent. I received a call from Citizens Bank Loan Operations and after several follow up calls and verification that they had incorrectly entered the account number, Citizens Bank ensured me that everything had been rectified. I insisted on them taking a payment over the phone which they reluctantly agreed to waive the fee for processing. 
The following month I noticed that the auto-debit payment had not been withdrawn and subsequently received a call from Citizens Bank. After discussing the issue I was told that they would correct the error and fix the system. Subsequent to the call confirming that they would take care of the situation, again! I received several more calls and a delinquent notice. 
Facts confirmed by Citizens Bank 1. They had entered the account number incorrectly 2. Several different loan colleagues confirmed that the situation would be rectified 3. Once the system was updated with the correct account number they failed to actually instruct the system to initiate the auto-debit 4. I have opened XXXX cases and was told that everything was rectified and the payment would be back dated to the original due date. This never occurred and I received another call and a delinquent letter.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

-AmeriHome Mortgage Company handles a mortgage for my rental property -A balance was owed on my homeowner insurance 's insurance, provided by XXXX XXXX XXXX This was to be paid out of my mortgage escrow. This payment was due in early XXXX -AmeriHome did not pay this balance despite 5 plus calls from myself ( early XXXX through XXXX ), uploading my policy to their site, and providing them an address to pay this balance - Each time I spoke with them, they promised the payment would be overnighted -I received an email from XXXX XXXX on XX/XX/XXXX stating the balance still had not been paid and my policy would be cancelled XX/XX/XXXX if it was not paid -I called AmeriHome and had to use 2 cellular phones on speaker mode to connect a representative from AmeriHome to a representative from XXXX XXXX -I ultimately had to pay the balance ( approximately {$1500.00} ) out of my own pocket because AmeriHome could/would not make the payment in time
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. 

It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen that my credit score for transunion is a XXXX. Yes a XXXX!!! Please help me figure out why its showing up a XXXX. Already contacted transunion. No HELP.
Consumer complaint received 2017-06-22
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. (CA)

On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXXXXXX XXXX obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in 2020 when my mother got covid and I was stuck in XXXX they would not fix it the XXXX # did not work there and they did not believe me. THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. I explained this to XXXX XXXXXXXX and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. The dealership representative told me the car went to the auction, then I was told by XXXXXXXX XXXX that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. This is what the manager said over the phone at XXXXXXXX XXXX There are XXXX types of lease buy outs : a ) One where the dealership buys your car and takes care of all the customers cost. b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. I apparently had option B, so basically the dealer bought my car, sold it made money and XXXX XXXX profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after covid and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. I finally threatened litigation to the dealership XXXX XXXX XXXX and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. I told all this to XXXX XXXX and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the XXXX dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past XXXX leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY XXXX FALSELY REPORTING ME. I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (AR)

I contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.
Consumer complaint received 2021-08-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: F.H. Cann & Associates, Inc. (TX)

I am a consumer pursuant to Federal Law 15 USC 1692a ( 3 ).

FH Cann & Associates is a debt collector pursuant to 15 USC 1692a ( 6 ). 

FH Cann & Associates has used unfair practices in an attempt to collect a debt pursuant to 15 USC 1692f. 

FH Cann & Associates has furnished information without my consent to other third parties regarding alleged debts related to an account associated with my name. 

FH Cann & Associates must first receive written directions from me in accordance with 15 USC 1681b ( 2 ) in order to furnish information to any other person besides me, the consumer. 

Any person or organization that acquires information regarding a consumer without the prior consent of the consumer has committed the act of identity theft pursuant to 15 USC 1681 ( q ) ( 3 )
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AL)

This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

Experian has failed to report a creditor, i have provided information to Experian as well as the control number provided to me by the creditor, they have refused to update my report with not only accurate information but also in a timely manner, i reached out to Experian provided information told me it would be updated in 7 days they still continued to no update or include the account, made me feel they were XXXX  me, i would like this matter to be investigated and not for Experian to provide me with a email but a stats update as to why when and the resolution process I have been trying to get this information updated since XXXX
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MD)

This morning when I search in XXXX Robinhood customer service phone number and dialed online number XXXX ( XXXX ) XXXX and person on the phone hacked my account with Remote app and initiated 5 {$990.00} each transactions from Robinhood virtual debit card to XXXX group. I have reported immediately to Robinhood and registered my complaint and they want me to wait for couple days. 

I have asked them that transactions are still showing pending why they can not cancel it and reverse my money ASAP. 


I have also reported this incident by calling 911. 

I need my {$5000.00} back in my account as early as possible. Any help is appreciated. 

My direct number is XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (UT)

Affirm is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

Affirm is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

How many complaints can be entered and ignorred? 1- have NOT RECEIVED OUR NEW DEBIT CARD NO ONE AVAILABLE TO ASSIST ... XXXXXXXX XXXX PHONE LONG WAIT OR LEAVE A MESSAGE. 2- BALANCES from ATM continue to be wrong!!!! This has been going on for over a year. I was told to get an employee when you print balance or use machine they can not do anything to correct. Hence eliminating my ability to drive through to confirm info. Also XXXX XXXX  bal on phone XXXX. HOW is anyone to manage their acct? Once again no one at the branch to validate and if course OD charges immediate. A NICE WAY TO MAKE EXTRA MONEY. 3- They have NEVER ADDRESSED MY XXXX COMPLAINTS and have NOT WRITTEN OR COMMUNICATED WITH ME OR MY OTHER VRNDORS. ALLEGEDLY AN OFFENSE?
Consumer complaint received 2021-12-28
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: LEXISNEXIS (SC)

XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Information SHALL NOT INCLUDE specific factual information ON a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.
Consumer complaint received 2022-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

Put in application for loan modification! Uploaded documents including contribution letter. Don't get a phone call from the person handling it. Just get a letter requesting up date contact info and options for modification. I went from XXXX XXXX taking 5 months with modification to selling the loan to this place. I have every document sent to loss mitigation and my representative!! 

I even sent to the loss mitigation representative to her email and XXXX plus faxed to XXXX. 

I don't know what they want!! Their website sucks!! Can't upload to portal without error messages.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I received an e-mail from PayPal that they had " temporarily limited '' certain features in my PayPal account. 

On XX/XX/2021 I received a second email from PayPal indicating I could not " conduct any further business using PayPal '' and they would hold the funds for " up to 180 days. '' On XX/XX/2021 I contacted PayPal by telephone and they stated they would not release funds.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got notification that my credit score keep going down. I checked it and I noticed that someone opened the credit card from capital one and closed it with the debts over {$2000.00} under my name. I called to the capital one bank and told them that I never open the bank credit. I never see any bank around my area. They said that was online. I said I never open credit card on online. I only open in person at the bank. They said they will do investigation. They asked me for my Id and my social security. I sent it to them and months later they still sent me the bills. I called them too many times and they kept saying they will doing investigation but also still sent me the bill and amount now going up to {$3000.00}. And my credit score keep going doen.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX, etc., and so on!