davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (OH)

Okay '' over seven yrs ago '' XXXX I had purchased a tv from XXXX 's store okay I had the tv almost paid off when something went wrong with it, and it was taken back to XXXX 's by them they picked it up, and I had to do some paperwork so they could credit my account what I already paid on tv. They said they would replace it and just keep making my last few payments and the new one will be mine so I did, well when went to make my last pymt, they said I just started my pymts and said there was no record of them crediting my account so I told them I was n't paying for it twice. Then they came and took the tv.a couple months later I get a letter from XXXX 'S saying I was behind and neededto pay them XXXX for XXXX t.v. and like XXXX for the XXXX one. I explained it and they did n't care, so I told them I 'm definitely not paying them so they sold the debt to NATIONAL CREDIT ADJUSTORS, and i waited eight yrs for it to come off my credit. Finally it did in XX/XX/XXXX. Now I 'm older so wan na buy a house I ordered my credit report and there it was again after yrs of being off my report. Only now it 's reporting that I opened the account in XX/XX/XXXX. It 's affecting my credit score big time and I never did anything wrong at all. I told national credit ADJUSTORS the story, and told them I would like to see my disclosure from them and got hung up on. PLEASE HELP ME I CA N'T WAIT ANOTHER EIGHT YEARS and not paying for something they took and was already over paid for
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have been contacted by Gulf Coast Collection Bureau , Inc. of XXXX, FL about XXXX alleged medical debts I 'owe '. 

I have requested verification and all I received was the same 'bill ' they keep on sending me ( both before & after verification request ). They have not and can not verify the debt as I DO NOT OWE it. 

I have not been to the company they are saying I owe. I need help getting this collection company off my back and to delete all the collections they have placed on all XXXX national credit bureaus. They are illegally hurting my credit and it must stop.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

ON XX/XX/2023 GOT AN EMAIL FROM CREDIT KARMA WITH CREDIT REPORT. WITHIN THE REPORT WAS AN ENTRY STATING THAT I OWED XXXX XXXX XXXX  I OWE THEM NOTHING NOR HAVE I EVER BANKED WITH XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: N.A.R., Inc. (UT)

Back aroundXX/XX/XXXXof XX/XX/2019I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank took funds out of my checking account with my consent. This is causing me to go without money for me and my family of XXXX for over two weeks. I can not even feed my children due to them taking out money without my consent. I understand that I was late in my payments due to my job loss, but I had never agreed nor had a monthly payment reoccurring plan set up with them. How did they get my bank account information? Is n't that theft and fraud? I am still struggling and plan on making payments to them but how can they get away with this.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.
Consumer complaint received 2022-02-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Inquiry : XXXX XX/XX/2020.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my Transunion Credit Report, the account " XXXX '' should totally be removed. It was already removed from XXXX but for some reason Transunion has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

As part of the Public Service Loan Forgiveness Program, I have submitted to my loan servicer multiple payments that meet eligibility that they have not counted. They have denied these multiple times without a reason given. I have gone on to submit an Ombudsmen report via the FederalStudentAid website, however, it is has been over 5 weeks without a response. I have called both FedLoan Servicing and the Ombudsmen 's office multiple times, however, have received no updates or further information.
Consumer complaint received 2022-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

XX/XX/XXXX I received a copy of my consumer credit report and have noticed that a company by the name of NCB Management Service is attempting to collect a debt that is not owed in the amount of XXXX and which I have not directly given this company permission to obtain any of my personal information ; this is a direct violation of my rights to privacy. According to the privacy act of XXXX, I, the consumer did not give this company any written consent neither an oral agreement which bonds me to this company in regards to this account. Please provide any contractual agreement that validates this debt accurately.
Consumer complaint received 2015-08-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MT)

Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.
Consumer complaint received 2023-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Collection Systems, Inc. (CO)

I got sent a letter just now saying I owe money I never got into classes to get charged I dropped any classes that were originally sign up for I never took any courses I WILL not pay for somthing I never took. 

PLEASE remove this debt.it is not mine.
Consumer complaint received 2016-03-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash. 

*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue. 
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response. 
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person. 
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX. 

5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. 
We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it must be escrowed.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Recovery Systems, L.P. (TX)

Constantly being called, i have asked for an original copy of the bill that was claimed to be mailed to me back in XX/XX/2021 that i have yet to receive. These medical bills are coming from XXXX XXXX hospital in the amount of {$190.00}, {$360.00}, {$540.00}. the hospital is constantly reselling the debt, as well as having incompetent workers not taking down the correct information for my insurance, as well as charging me for procedures i did not use in the hospital. actions taken by the company is slim to none, this debts have appeared on my credit report all the while still harrassing me and calling Paramount recovery sys- {$540.00}, {$360.00} XXXX XXXX  XXXX- {$190.00}
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NC)

To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of {$940.00} with the promise that it was a 0 % interest with 12 equal payments. That would be $ XXXX/mo. However, when I received the statement, it showed the minimum monthly payment as {$34.00}. If you read the fine print on the back, it appears that if I pay only $ XXXX/mo that I will be charged 29.99 % interest. Nowhere is shown the {$79.00} payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We believe Ocwen Loan Servicing, LLC., has miscalculated and misapplied the payments. We have received an untitled document that appears to be a transaction history, but can not understand all the terms, abbreviations, and entries. We have asked for an explanation, but did not even receive a response.
Consumer complaint received 2016-02-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Hodosh, Lyon & Hammer, PC (RI)

I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.
Consumer complaint received 2015-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I refinanced my loan -- and, the closing documents did not include a date when the date for rescission expired. As a result, my period for rescission, under Reg Z, was extended to XXXX years. In XXXX I sent Bank of America a letter of rescission, and received a letter back from their attorneys denying the rescission. 

In XXXX of XXXX, the Supreme Court in XXXX versus Countrywide ruled that the only thing required to rescind a loan, is a letter stating that the consumer is rescinding the loan. At that time they have a 20 day window in which to file an opposition lawsuit -- and if they do not do that -- the Supreme Court states that the loan is rescinded by operation of law. Bank of America did not rescind my loan, and subsequently conducted an illegal Trustee Sale, and an even more illegal 3rd party sale of the property to XXXX. 

I am now fighting an illegal eviction from a party who, according to the Supreme Court, can not possibly 'own ' my home!
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Our loan was transferred to another company during the loan modification process ( XX/XX/2022 ). Now, they are moving up back in the process by denying paystubs saying there are not dates visible or company name visible or even deductions visible. I resubmitted the exact same PDF and they accepted them and moved the process forward and then two days later declined the paystubs again after sending a letter saying the paystubs were accepted. We have called and asked what needs to be done. They have told us to talk to our point of contact, but we can't get ahold of the point of contact. The number is just the toll free number and it goes to everyone. We can't get a definitive answer on what we actually need to do to move the process forward for the loan modification.
Consumer complaint received 2021-01-26
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. (MO)

My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs.
Consumer complaint received 2015-05-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (FL)

Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. 

On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAVALRY INVESTMENTS, LLC (FL)

This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.