davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX
Consumer complaint received 2024-02-20
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (WA)

Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.
Consumer complaint received 2018-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. 
I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have a mortgage with Shellpoint Mortgage Servicing. I'm also in the process of applying for a refinance loan through another company. On XX/XX/XXXX I began making requests to Shellpoint mortgage for a loan payoff quote. I've made at least 10 requests between then and now. I've called and emailed numerous times and to date, it has not been resolved. I've asked to have it escalated to the complaints department or the office of the president and I've been ignored. At this point it's now been 27 days since my initial request and I'm no closer to receiving my loan document. No one can help me and no one knows what's going on. I'm in danger of losing my refinance loan at this time because I can not obtain a valid payoff. PLEASE HELP!
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on my account.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2019-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I applied for a Sallie Mae student loan in XXXX of XXXX. While attending school, I had been making monthly payments to help with accruing interest. I decided to take a break from attending my university before the start of the Spring XXXX semester, because I had an outstanding balance from the fall and I was trying to figure out how to pay for my schooling without obtaining another loan. After my grace period was finished, my full payment amounts had started to be withdrawn through Sallie Mae with no issue. However, in XX/XX/XXXX, I looked at my credit report and realized that I had 2 separate student loans. On my credit report, it showed that I had an outstanding loan through Navient that I " was behind on payments for. '' After a quick XXXX search, I learned that Navient and Sallie Mae used to be one, but had split. I was NEVER informed of this split, never received anything in the mail, and had to do a back payment upfront on the loan through Navient. I am EXTREMELY infuriated that I was not made aware of this split prior to it happening, and that I had to find out about this " late payment '' to Navient by looking at my credit report. My goal was to not have multiple outstanding student loans, and now I have 2 when I only applied for ONE. My main concern is that I was never notified of these circumstances. I would like to be contacted reference this matter.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.
Consumer complaint received 2021-01-24
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

Ive been repeatedly contacted by people from CBE Group. A quick XXXX search indicates that this may be a debt collection agency. Ive asked them to provide amplifying detail regarding the nature of their calls but they are evasive, not wanting to communicate until they get additional PII which I am not willing to give until I understand the nature of the call. Its highly suspicious. Ive asked them to stop calling but they continue. 
Theres no debt here and I am really concerned this is related to one of the numerous data breaches we have been subject to. What do I do to stop them from calling? The last two numbers they have called from have been XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. Thanks
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (VA)

This group called XXXX XXXX XXXX often calls me on my office line and asks about debt repayment based on my name " XXXX XXXX ''. They ask for personal information and I tell them I ca n't give them that. Then they ask me " Do you live on so-and-so street '' or " Does your SSN end with **** '' and it 's not even close to anything remotely resembling me. I mention it, and they say they will remove my name from the list, and then again in a few weeks I get the same call - clearly they do n't remove the name. I 've even told them they are harrassing me. We do n't have any outstanding debt ( mortgage etc ) that we 're not already paying off monthly - our credit rating is top-notch, so right off the bat this sounds like a phishing website. They ask me to call back XXXX.
Consumer complaint received 2016-06-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed a transaction I made online using my B of A Debit XXXX. The date of the transaction was XX/XX/2021 in the amount of {$1600.00}. The name of the company is called XXXX XXXX. They have accepted the chargeback twice now and as of today it has been 3 months that B of A still hasnt processed this claim and retuned my money back to me!
Consumer complaint received 2020-06-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (MA)

I became aware of a CashNet USA loan that was taken out using my personal information. I have been the victim of identity theft and am currently dealing with several different occurrences. I attempted to resolve this fraudulent account directly with CashNet USA and have spoken with them several times by phone and email since last week, and they have determined the account to be legitimate and have stated that I do owe the debt. I have independently spoken with XXXX regarding the account where the payday loan was deposited, and they have confirmed that I have no ties to that account. I have filed a police report in regards to this as well. The payday loan application used a fake phone number and email address, as well as a false employer. There is ample evidence confirming that I am not responsible for opening this account, and I wish for CashNet USA to cease collections and mail me a confirmation that they will close this account as fraudulent.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Consumer Financial Protection Bureau To Whom It May Concern, Iam writing to dispute a billing error in the amount of {$4700.00} on Account Number : XXXX XXXX amount is inaccurate as on XXXX an erroneous payment of {$840.00} was made to my XXXX Capital One MasterCard account. The payment was immediately cancelled, when paying online there is an option to cancel payment ehich I did, yet it processed. I spoke with a supervisor at XXXX Capital One MasterCard ; XXXX at extension or ID XXXX, and she assured one that the account would be reverted to status prior to error within 2 weeks.Unfortunately, as a result of an internal system error ; the erroneous {$840.00} payment had been added to my New Statement Balance Due ( see attached copy of statement dated XXXX - XXXX ) Previous Balance was {$3700.00}, system erroneously added {$840.00} payment to new balance due along with a {$25.00} late fee and {$84.00} interest on purchases for that period, which increased my actual balance by {$950.00}, hence ; {$4700.00} inaccurate. XXXX the supervisor at XXXX Capital One MasterCard said my XXXX payment and late fee would be waived due to inconvenience. Yet when I made the XX/XX/2019 payment of {$110.00}, the account still had not been reverted back to status prior to the XXXX {$840.00} erroneous payment, despite many lengthy calls, repeatedly leaving my number, promises from agents and supervisors, they failed to correct the account, the company did not act to resolve complaint. 
I'am requesting that the error alas be corrected. 
Sincerely,
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Already submitted XXXX complaint about harassing phone call from Bank of America. I also complained about them hanging annoying notes on my front door, and even specified no one from BofA is allowed on my private property. Last week sometime ( XXXX XXXX, 2015 ) someone form BofA hung another note on my front door, which means they are tresspassing! The next time I catch anyone on my property, I will physically remove them from my property and call the Police. Like I said the last complaint, Im not behind on any loan, and I DO NOT want any type of refinanance ( or other ) BofA has to offer ... PERIOD!