davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (ME)

I opened the account and set up automatic payments at the time of transfer. However, I just found out that there was a missed payment somehow and when I tried to access my online account their system was saying that they were having a technical difficulty and to try again. I tried again 5 times. Then I called to make the payment manually and the guy on the phone disregarded my caution that their online system isnt working and followed through with the payment. I then put my account on auto pay with him over the phone like I did the first time I signed up for the card. I still have no access to online account and it is on some weird loop that never lets me into the actual account. The small balance overdue of XXXX has been paid. I also discussed that I never got a call or email regarding the missing payment method and there wasnt much said about that either. Not sure how this happened but would like to get it squared away so that I do not have a missed payment on my report
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I applied for financial assistance at the XXXX XXXX hospital and I was approved for low income. It included the debt that this collection agency is trying to collect from me. Its obviously a fraudulent charge because it should appear at the XXXX XXXX hospital located in XXXX Georgia that I have low income and as a result I qualify for waiver of my medical bills at XXXX XXXX which are not a lot since my primary doctor is located at XXXX XXXX where I am currently attended for low income medical assistance. This credit collection is trying to collect a debt that doesnt longer exist. And is also threatening or suggesting to report me to the credit bureau which will damage my credit score for which I have worked hard and standing all day to be able to have a fair credit score and qualify for a better job because I had a job in a better field but I lost it due to a previous illness. They also mention are threatening me with legal action by mentioning a judgment. I tried to contact them today but there is no response which thats the tactic this collecting agencies use to just create more stress and waste of time to people who are busy and we dont get to have many days off. See attached letter for debt collection and proof that I am patient of mercy clinic which is low income non profit clinic which XXXX XXXX hospital took into consideration to approve my medical request for fee waiver.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I returned a call from Bank of America and spoke to someone named XXXX. 

She stated A letter was sent to you in the mail yesterday with no other explanation. 

XXXX was short, dismissive and reluctant to provide any other details. I then asked what does the letter say? 


She was very difficult to communicate with. 

XXXX stated on XX/XX/XXXX I was approved for an extension of the forbearance. I then asked what are the available terms for payment under this forbearance? 

XXXX stated no terms of payment are known at this time. I then explained upon the first forbearance the available terms of payment options were made known. 

XXXX just kept repeating the same boiler plate template statement, i.e., no payment options are known until after the forbearance is over. 

I then stated again, the payment options were available at the time the first forbearance was requested. 

She just kept repeating the same thing at which time I asked she reach out to a supervisor to confirm. She did not. 

The investor my loan is with has in writing what the payment options are and they should be disclosed by Bank of America upon extension. 
It sounds like Bank of America has no idea what my investor has set up as to terms. 

My investor is XXXX XXXX ( see attachment explaining payment options ).
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-16
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. (TX)

This is my XXXXnd 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 items 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 items 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 : {$0.00} XXXX XXXX XXXX XXXX  : {$1500.00} 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 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MI)

This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting this debt as a charge off and reporting late payments to credit bureaus after they have allegedly sold the debt to a debt collection agency and still trying to collect where no way have I agreed are acknowledged the debt is mine.The company also has a collection service XXXX XXXX XXXX, XXXX which complaint has been filed through the Consumer Financial Protection Bureau ( CFPB ) on are around XX/XX/2020 which letter of validation to the company sent is attached on this complaint has also taken unlawful action by suing me after I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A hard inquiry from XXXX in XX/XX/2019 which I never applied. 

XXXX claimed it was a XXXX XXXX error. My account never existed
Consumer complaint received 2020-01-11
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: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

My Wife and I own a property that has a mortgage originated by XXXX XXXX XXXX. XXXX sold the loan to New Rez who now holds the note and deed of trust. The lien was mistakenly filed against the house twice. First on XX/XX/XXXX and then again on XX/XX/XXXX for the same amount. Just to be clear, we only have one loan with New Rez/XXXX. I am in the process of refinancing this loan with another lender but it requires that New Rez file a reconveyance of the erroneously filed lien in order to clear title. The title company we are working with has contacted New Rez three time ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I have contacted them twice ( XX/XX/XXXX and XX/XX/XXXX ). Each time I ask to speak to a supervisor and am told that no supervisor is available. The first time I was on the phone with them for 19 minutes and 40 seconds, the second time I spent 21 minutes and 31 seconds. The bulk of that time is spent trying to get a supervisor on the phone after briefly explaining the situation, to no avail. The first time I was told that a supervisor would be calling me back the same day and the second time I was told it would take 1 to 2 business days to get a call back ( today is a Saturday ). This is an issue because my rate lock is expiring and even a tenth of a percent change in the mortgage rate will wind up costing me tens of thousands of dollars over the life of the loan. 

New Rez has shown zero interest in resolving the issue and has consistently refused to even allow myself or the title company to speak to a supervisor. I can not and will not pay the mortgage twice which seems to be the only way they will release the lien at this point.
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (MD)

I am concerned that either New York State XXXX is falsely Billing individuals ; or that someone is pretending to be them ; attempting to get people to pay them money. 

On XX/XX/XXXX, I received a letter, ( dated XX/XX/XXXX ) from Linebarger Goggan Blain & Sampson, LLP indicating that I owed {$100.00} to the New York State Thruway Authority.

I called The office on the letter ; and the was told that this was for a New York State License Plate for using an XXXX XXXX on XX/XX/XXXX. 

The License Plate on this letter is not my car ; I haven't had a New York State License Plate in over 5 years ; and I ( and the only registered cars that I own ) were not in New York State on the days that the charges happened XX/XX/XXXX ; or XX/XX/XXXX. 

On XX/XX/XXXX, I called the phone number on the letter ( XXXX ) and spoke with a man. I explained the situation to him ; and he indicated to reply in writing, which I did. 

In my letter, I explained 1- That plate number is not my plate number 2- I do not have a New York State Plate 3- Since XXXX, I have always had XXXX XXXX on my car ; so even if it was my car, it should have registered to the XXXX 4- Neither I ; nor the cars that I do own were in New York State at the time the toll  was used. 

On XX/XX/XXXX, I got another letter in the mail from Linebarger Goggan Blair & Sampson indicating, " Per NYSTA -- -If Customer Submits XXXX Statement that includes transactions for tolls for XX/XX/XXXX, XX/XX/XXXX, We will forward it to NYSTA  for further research, otherwise violation is due. '' Considering this was not my car, I would not have an XXXX XXXX for it. Whoever received my letter clearly either did not receive it ; nor did they take the time to realize that this was not my car. ( Either that or this is a scam ). 

On XX/XX/XXXX, I called Linebarger Goggan Blair and Sampson LLP back ( XXXX ) and spoke with someone who identified herself as " XXXX ''. I asked why I received this letter ; when I already explained that this is not my car. She explained that she is just a third party agent, and the letter was actually sent out by the New York State Tolls. She looked my information up ; and was able to show me the plate numbers that were present. The Photos are very unclear ; and one Letter is blacked out. She explained that and apparent " E '' may be an " F ''. She indicated that she would report this to XXXX. 

I am reporting this as the system that XXXX XXXX/ Linebarger Goggan Blair & Sampson has is one of 2 things : 1. It is either a scam 2. It is terrible customer service ; which may be leading people to pay bills that are not theirs. ( It is often easier to just pay something to make it go away ... then having to address the same issue several times ).
Consumer complaint received 2020-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is claiming they no longer have a audio tape of when I cancel the card and took my ex off as an authorized using. So they say there is no proof. They had this audio in XXXX of XXXX, now they conveniently don't anymore. They never cancelled the card and continue to let my ex make charges on the card from XXXX to XXXX. In XXXX, when I called again. They cancelled the card, but allowed my ex to reopen the card with my credentials ( identify theft ). They have acknowledged that. I am at my wit 's end. I do not owe this money as the credit card company allowed this to happen.
Consumer complaint received 2020-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NV)

I attended XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX the dates I attended the college was XX/XX/XXXX until XX/XX/XXXX I received my XXXX XXXX of Applied XXXX on XXXX XXXX XXXX filled for bankruptcy I continued to educate my self I then entered and secondary program wich was the business program from XXXX XXXX until XXXX XXXX there was no eddtional degree sent to my self on my transcripts it stated and XXXX XXXX of Applied XXXX in XXXX wich I never received.However I was over charged for the XXXX program the cost was additional XXXX I was charged XXXX for the program the business program was and total of XXXX I was charge XXXX instead. this has casused me to be homeless.
Consumer complaint received 2020-01-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Please note, Toyota Financial Services is the brand name of Toyota Motor Corporation. 

In XX/XX/XXXX, I agreed with Toyota Financial Services to extend my lease on a month to month basis for a maximum of 6 months. 
I made my last monthly payment on XX/XX/XXXX in full amount of {$160.00}. This payment would give me the right to use the car until XX/XX/XXXX. 
On XX/XX/XXXX, I turned the car into the dealership to end my lease. On XX/XX/XXXX, Toyota Financial Services sent me a letter acknowledging that my car had been returned. As a result, they should have sent me a final bill for the lease termination amount less any credits for being under mileage. 
On XX/XX/XXXX Toyota Financial Services proceeded to bill me another {$160.00} assuming I still had possession of the car. This is in despite that the dealership bought the car from Toyota Financial Services after I had turned the lease in. 
On XX/XX/XXXX in a phone call with Toyota Financial Services, they assured me that it was a mistake, my account would be closed, nothing would be reported to the credit reporting agencies, and they would send me the bill for the termination fee. 
On XX/XX/XXXX, I received notice from a credit monitoring service that Toyota Financial Services has been flagged as delinquent by XXXX. Toyota Motor Credit Corporation has reported me to a collections agency. 

On XX/XX/XXXX, Toyota Financial Services sent me a letter with my transaction history. The second to last transaction is titled, " Lease Termination Reversal '' and Toyota Financial Services is attempting to bill me for a car that was returned to them on XX/XX/XXXX that they then subsequently sold to the dealership for resale.
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NC)

My XXXX featured was blocked an I couldn't get to the fraud department after waiting for more than 30 minutes. The call back are 48 hours. I got missed call and try to reach them again and was put in a very long hold. This is totally unacceptable where the bank try to save money by putting extreme inconvenience to their customers.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Absolute Resolutions Corp. (TN)

The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and Absolute Resolutions also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
Consumer complaint received 2021-07-28
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. (MA)

I filed a dispute with XXXX XXXX and TransUnion regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

I requested cancellation of PMI on our mortgage as the loan to value amount is less than 80 % that is required to continue paying for the PMI. Our assessed value of the property is {$380000.00} and our current mortgage balance is {$280000.00} and LTV I computed is XXXX which is way below the automatic termination of PMI when the LTV is 78 %. I sent an initial request with an appraisal of the property value of {$350000.00} and they won't believe the appraisal that I submitted. Based on that appraisal the LTV is XXXX which is below the 80 % requirement. I submitted the notice of value from the assessors office with my second submission but still received a letter that the loan does not meet the requirements to cancel the PMI. I don't know now what do they believe on the actual valuate of the property. The valuation I submitted to them is from XXXX County Assessor 's office and they are the basis for paying our property tax so it must be accurate. The fair market value is even higher if we do an actual appraisal at this time as we made improvement on the property which was reflected on the valuation from the assessor 's office. 

The address for the Lender is as follows : Attention : PMI Department XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

account resolution services is reporting 4 different accounts on XXXX  and XXXX  that I do not owe. first account is for {$720.00}. opened XX/XX/XXXX, I disputed this account with them and they yet have sent any validation to this account. such as an agreement that would have my signature and a photo copy of my ID. second account is being reported for {$480.00} opened XX/XX/XXXX XXXX again disputed they have not sent no validation such as a signed agreement and copy of ID. Third account {$190.00} opened date XX/XX/XXXX XXXX no validation with this account. forth account {$510.00}. opened XX/XX/XXXX they have not validated this account. I have disputed all four of these accounts and they continue to report these accounts with out proving that these are my accounts, they are oppressing my credit report in an attempt to force me to pay which is not mine. 
since they have not provide any proof I will be force to file a fraud affidavit against account resolution services upon they out come of this investigation. they are in possession of my personal information with out justify why they have it and are using it to force me to pay what I believe I don't owe.