davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc. (NY)

I owed a debt at my former college, XXXX College. I couldn't make payments because i did not have a job at the time. they sent my debt to the collection agency XXXX XXXX, without my knowledge.. They never sent me any letters stating anything about my debt. fast forward to now, I need a copy of my transcript, they couldn't process because i owed a balance, I paid my balance in full which was XXXX $ on XX/XX/XXXX via the college 's website. and I called the school and they said it was sent to collections and i have to pay a collection fee, I explained I paid in full and some lady name XXXX XXXX who works at eastern revenue, was very rude wouldn't let me even explain myself and said point blank if I don't pay the XXXX $ they're not gon na remove my hold, even though I don't owe the college anymore ... My argument is, why should I pay an extra XXXX $ for a collection feee, they didnt collect? when I don't even owe the college anymore and they never collected anything nor made themselves aware that they were in fact collecting the debt ... .I have no type of correspondence from this company.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc. (PA)

My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I would like to resolve 2 problems going on with Citibank : 1. Problem : In XX/XX/XXXX, I received a letter from Citibank that they were terminating banking relationships with me and since that date ALL my 4 bank accounts were locked/frozen removing any type of access. I called Citibank asking for a reason to this action and they explained that due to money received from the SBA into a personal account and not enough documentation, they were going to return the money to SBA in a period of 30-60 days. In XX/XX/XXXX, I got another letter from Citibank explaining that the money was going back to the SBA. 
Today is the date that Citibank has not returned the money to the SBA. I called the bank today XX/XX/XXXX and they said that the process was going to take between 30-60 days. The problem is that I always get the same response and more than 60 days have passed and Citibank doesn't return the money. I don't understand why it would take SO LONG for Citibank to return the money if they know that it's going back to the SBA. I need Citibank to return the money to the SBA so I can resolve this problem directly with the SBA. 
2. Problem : One of my bank accounts that got locked/frozen is a joint account that I have with my wife. In XX/XX/XXXX, my wife was expecting the IRS Stimulus check ( she thought it was going to be mailed ). Unfortunately, on XX/XX/XXXX the IRS deposited the stimulus check to the bank account they had on file and Citibank accepted the money and they didn't reject the transaction. My wife has called several times to the bank asking for the money and the only response she gets is " We don't know what's going to happen, please call back again ''. This money has been hijacked by Citibank for over a month and they have no intention to either return the money to the IRS nor to my wife.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (FL)

Today, XX/XX/18 my father was denied a loan for not speaking English. I simply told the company that I will be present to translate and that my father knows the basics but the contract I would be able to translate if he doesnt understand something. I was simply told that ot was not possible since I am not English speaker. The women simply just intorupted me and was very rude. I have never heard of such a thing before. I translate all the time and even have a business we run without English. I am just dissapointed and shocked!
Consumer complaint received 2017-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (GA)

On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One closed my account of several years, in good standing, in the middle of a pandemic. I have been unable to request the company with the company to attempt to restore it. Any loss of credit limit or average age of credit is detrimental to my score.
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DC)

I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.
Consumer complaint received 2017-12-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MNE Services, Inc (AZ)

I make XXXX payments to assist in paying down the loan faster. In the past, I had XXXX as a lender and made XXXX payments for 2.5yrs. I see the XXXX XXXX reduce in comparison of making monthly payments. 

I sent a partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, after the cycle date. The payment cleared my bank account. The payment was suspense and returned on XXXX/XXXX/XXXX, which I received the returned funds back. 

I sent a second partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, making my XXXX payment whole of {$1400.00}. The payment cleared my bank account. The payment was in suspense and returned on XXXX/XXXX/XXXX. 

I called XXXX Mortgage on XXXX/XXXX/XXXX. Asking if they can just hold the second payment in XXXX of re-processing the {$700.00} to make the account whole. I was advised by the agent the account will be forward to specialize for review and to follow up in couple days On XXXX, I called back to follow up on an update of the payment I asked to hold since I was going to re-process another {$700.00} to make the account whole. The agent advised the XXXX/XXXX/XXXX payment was returned and I will receive the funds in 7-10 days. I was advised about the partial payment procedure. 



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Consumer complaint received 2024-03-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

In XX/XX/2023, I received a notice from Genesis claiming I owed a debt of {$75.00} related to my tenancy at XXXX XXXX. I formally disputed this debt on XX/XX/2023, citing unresolved maintenance issues during my tenancy, which, per my lease agreement, entitle me to compensation that exceeds the alleged debt. Despite this, Genesis proceeded to report this disputed debt to the credit bureaus, negatively impacting my credit score.
Consumer complaint received 2018-02-12
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 have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (CA)

I spoke wit h Oliphant Financi al on  XXXX , I tried calling for 3 days so I finally left a message on  XXXX  and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through  XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 Days late as of XX/XX/XXXX I am  not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-01-30
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. (OH)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpha Recovery Corp (TX)

I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NY)

Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I got two pieces of mail where they were trying to collect debt that I owed. I called the number on the letter and told them that I applied for that loan and that it was a result of someone using my identity. They disregarded my calls and said that I had to pay them. I am not paying something that I do not owe because it was not me who applied for those loans.
Consumer complaint received 2017-10-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

Easy Money made an arrangement with me for repaying loan. I made 2 payment one for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and Easy money said if I made a payment every Friday on payday I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment Friday. They said I promised to pay the entire amount by Friday which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared.
XXXX XXXX
Consumer complaint received 2015-10-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (SC)

I am having a serious problem with the Carter-Young XXXX XXXX they are located in Georgia. 

I have sent the debt collection company 5 emails, 1 fax, and have also communicated with them via their website. I have provided proof that the debt is false on 6 occasions. I have also filed a complaint with the Better Business Bureau. 

The collection agency responds to my every communication with generic replies that proves to me that they arent reading what I send to them. For example, I have on 4 occasions provided a detailed explanation of what they need to do to rectify the problem. On 3 of the occasions I received a generic reply saying please advise how you would like to address this situation. On 1 occasion they said they didnt get the proof I sent even though the proof was attached to their reply! 

Because of this erroneous item on my credit report I was not able to be pre-qualified for a mortgage and lost out on the house we made an offer on. 

I have been communicating with Carter-Young for almost 3 weeks and the problem still isnt solved.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I originated these two loans for two different properties with LoanDepot around XX/XX/2021. They have all of my insurance information showing insurance has been paid, etc. They have all of my property tax information on where taxes should be paid, etc. 

1. I recently found out that property taxes were not paid from my escrow accounts for these two loans. I reached out to LoanDepot when I found out, and they are still " researching '' the issue. Yet the property taxes are still unpaid and accruing interest from the city. I hope that they pay the interest from their own funds as this is their error. 

2. I received a threatening notice saying I do not have insurance on my property, and they would buy expensive insurance on my behalf if I do not provide them with insurance information. LoanDepot already has all of my insurance information. In fact, they apparently even paid the insurance on one of the properties.
Consumer complaint received 2024-01-30
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions