davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I have consistently disputed owing this debt. I have sent 2 letters to Phoenix Financial Services stating this. In my first letter to them dated XXXX, I stated that while I do not acknowledge ownership of this debt I was willing to offer 150 dollars in exchange for them removing this damaging collection account from all three credit reporting agencies, XXXX, XXXX. and XXXX. They responded with a counteroffer of XXXX. I then sent them a letter dated XXXX again saying that while I was not responsible for this debt, I was willing to accept their offer. I just received a letter from them dated XXXX. They claim they have attempted to contact me and the debt remains outstanding, which is not true, and they increased the amount they were willing to accept to XXXX, while completely ignoring my request to remove this account from my credit reports. This is completely unacceptable.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2015-09-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Discover Bank pulled a bait and switch, offering {$50.00} to open a savings account, but then failing to give me the money. I satisfied all of the requirements, but they still wo n't give me the money. I have contacted them XXXX times and they have promised me the money by a certain date twice, but failed to make good. The last time I contacted them they said it would take them XXXX weeks to research the problem. I ca n't see as how it could take them that long, given that anybody can see that I followed the rules and met the requirements. I also do n't think it 's right to tie up my money that long, when I have already met the requirements.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (DE)

On XXXX XXXX, XXXX I received an alert from my credit monitoring service stating that a new debt was added to my credit report. I logged into my credit monitoring account and it was brought to my attention that Allied Interstate, LLC ( a collection agency ) added an account from XXXX XXXX onto my credit report on all 3 credit bureaus for an owed amount of {$700.00}. According to my credit monitoring service, it states that this account was opened on XXXX XXXX, XXXX. I do not owe this debt because I have never opened an account with XXXX XXXX whatsoever. On XXXX XXXX, XXXX I opened an online dispute via XXXX XXXX XXXX XXXX websites. I was informed that it could take 30 to 45 days to get a response. On XXXX XXXX, XXXX I received numerous calls from an unknown number ( XXXX ), when I called the number back it was Allied Interstate LLC. On XXXX XXXX, XXXX, the very next day, I received an email from XXXX stating the Allied Interstate account came back verified. I am at lost with words as to how Allied Interstate can verify this account by solely calling someone constantly. I immediately called XXXX and did another dispute over the phone because this account does not belong to me. On XXXX XXXX, XXXX received the results via email from XXXX stating the same, that the account was verified. The online dispute is still in pending for XXXX until XXXX XXXX, XXXX. After receiving the results for my online disputes for XXXX and XXXX I called them and asked what method of verification did Allied Interstate provide to prove their case and they could not provide me with that information. I do not know what else to do now but file this complaint because I do not nor ever had an account with Allied Interstate or XXXX XXXX. I have even reached out to XXXX XXXX and I asked them to search my name in their database for any account and I was told verbally that I have never opened an account with them. I then requested a written letter, but I was told no one in that department or any department does not have permission or the means to do so as hard proof that I have never had an account with them.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (TX)

I have applied to several positions for work and on three separate occasions, the reports came back with INCORRECT information that belonged to another individual, but were associated with me. This occurred twice with XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX and once with Accurate Background XXXX XXXX/XXXX/XXXX XXXX. All three times it was the same information that appeared and I appealed each incident. I did not hear back from Accurate Background. I do not feel confident that they will correct this error, even with the information I gave them. I feel this incident will fall by the wayside again and my reputation and background will look much worse and jeopardize any potential future employment opportunities that I may have. The person that I am being associated with is named " XXXX XXXX '' and on the records the notes say that his middle name was taken down as " XXXX ''. That is not my middle name, nor is XXXX my last name. The incidents that occurred all took place in XXXX, IL. I have never lived in XXXX, IL or been arrested there ever in my life. My residential history will also confirm this and will conflict with the reported dates of the charges associated with XXXX XXXX XXXX. These include : 1 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 2 ) MXXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX )
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/XXXX I have opened a personal checking account online pursuant to the advertising from santander bank promising {$350.00} bonus after direct deposits totaling {$2000.00} or more post to an eligible account within the first 90 days of account opening. 

On XXXX/XXXX/XXXX I have mailed out a signature card as per terms and conditions of the account. 
Santander claimed they never received the signature card. 

When I went to the branch with my signature card I was told they could n't accept the signature card and that I should remail it. The representative apologized for lost mail and advised that they were swamped up with the mail as they did not expect such response from the advertising. 

I have re-submited account information online and resent the signature card on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX my employer processed direct deposit of {$2000.00} to my checking account. 

I have met all the new account bonus requirements, however Santander did not post the {$350.00} bonus. Various representatives gave different inconsistent reasons each time.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

CitiBank contacted me on XXXX XXXX claiming a past due balance on my Home Depot card. This is not the first time that have done this since the start of the pandemic. In XX/XX/XXXX it took 3 weeks for my payment by mail to be received. They continued to call my house everyday. My XXXX XXXX payment was mailed 2 weeks before the due date. Once again it appears that slow mail delivery is at fault. I refuse to allow them to make withdrawals from my bank account due to being a victim of attempted ID theft from XXXX. CitiBank reduced my credit limit after the XX/XX/XXXX incident and increased my interest rate. They will most likely do the same thing again over this case. The harassing phone calls have already started.
Consumer complaint received 2017-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

I am writing this complaint to CFPB because you are the entity that is supposed to make these institutions follow the law. you have to hold therm to account and make them treat federally protected consumers according to the law. 
Wells Fargo is violating so many different laws. Here is just a few : Debt Validation Pursuant to 12 CFR 1006.34C FDCPA 1006.30a 15 USC 1681b2 Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 USC 1692c ( c ) 15 U.S. Code 1681s2 15 USC 1681 s-2 and i could go on and on. The point is that CFPB you need to make it to where these institutions know that if they break the law that its gon na hurt whether financially or by putting them in prison.
Consumer complaint received 2021-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have been making student loan repayments to XXXX XXXX for approximately 4 years. I was under the impression that the program/plan that I enrolled in was for those employed in XXXX XXXX jobs. This program was to forgive one 's remaining debt if on-time payments were made over a 10 year agreed term. Each year, I have been required to complete a re-application for the income-based repayment plan. When my re-submission was reviewed for upcoming 2018, I was informed that I was denied. After a number of phone calls yielding little to no information over the course of three months, I was told that I never completed a " employer certification form '' and that the years of monthly repayment may not have been valid toward the plan thus, not making my loans " forgivable '' after 10 years of participating in a program that I thought I was a part of. I was never made aware of the form that needed to be completed by my employers ( I 've been employed in XXXX XXXX XXXX XXXX XXXX during my loan repayments ) until this week. Now, I am expected to make payments for approximately {$600.00} a month verses the {$220.00} that I have been making. This is just completely unreasonable and XXXX has done nothing to assist me. To make things worst, they are giving my wife an even more difficult time with her loans. The expectation of our family paying roughly {$1400.00} a month for student loans for the remainder of my working years is completely unfair and irrational. I have found that a lot of people across the nation have had similar problems with XXXX XXXX. There has to be a better way. I have paid thousands of dollars toward this debt only to see minor dents made in the large sum that is still owed. The interest just seems to keep me in a position of never making in progress -- I 'll be paying on this until I die. This is just crazy.
Consumer complaint received 2015-05-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mnet Financial Inc (VA)

I have XXXX knowledge of this account. According to my XXXX credit report, this debt is from XXXX of 2014. I have not received ANY correspondence from this company in the mail, not have I ever received a phone call regarding this debt.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

XXXX IS RUNNING AN AD ON XXXX, LURING SENIORS TO WALMART MONEY CENTERS TO SET THEM UP FOR WIRE FRAUD AND SCAMMERS.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (IN)

Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Hello, I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one.

There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. 

I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. 

This is ridiculous. I need help.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OR)

I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. 
I understand that the interest rate would be high, but this company is taking advantage of people.