davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I closed my Bank of America checking account. On XX/XX/XXXX, I received an email from BoA saying " Were letting you know that due to changes in the status of your account ( s ), your Bill Pay service has been inactivated. '' I login to my BoA online account, and I noticed two issues : 1 ) all my scheduled future payments for my credit card were deleted, and 2 ) I was not able to make a payment to my credit card using the Bill Pay. I called customer service and talked with XXXX. She informed me my external payment source needed to be verified. I asked her why as the external payment source has been used to pay the credit card for the past 6 months. She mentioned something about me using my external payment source as a one time payment and now it is being used automatic payment. I find the statement to be ludicrous as it is the same external payment source I used to make payments for the past 6 months and scheduled future payments until XX/XX/XXXX, and now BoA needs to verify it, especially after I closed my check account.
Consumer complaint received 2018-03-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ditech Financial LLC (CO)

Ditech Financial has been trying to collect on a 2nd mortgage in the amount of {$100000.00} from me since my ex-husband filed bankruptcy. It began on XX/XX/XXXX with a letter informing me they were attempting to collect a debt. Since then it has escalated to multiple phone calls per day, as well as threats they could sue, seize bank accounts or put liens on my property. 

The 2nd mortgage went into default in XX/XX/XXXX. It appeared on my credit report in XX/XX/XXXX, and was removed from my credit report in XX/XX/XXXX, because of the statute of limitations. 
In Colorado, the Statute of Limitations to collect a mortgage debt is 6 years. 

On XX/XX/XXXX, I spoke with a Supervisor named XXXX, extension XXXX. He stated they have a right to collect this debt until the year XX/XX/XXXX. The phone calls continue, with the threat that if I don't pay something to them, they could escalate seize bank accounts or property. 

They also said I signed paperwork that said they could collect this debt up to the year XX/XX/XXXX, which I never did. I asked for the specific paperwork, and they said they couldn't mail it to me.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On or about XX/XX/2021 I mailed a demand letter to Equifax, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX, XXXX XXXX, XXXX XXXX I notified Equifax in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX**** Amount Disputed : {$510.00}
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of America Ltd. (CA)

XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. 

XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

Someone has fraudulently used my credit card number to charge approximately {$8000.00} worth of goods and services. Although I have repeatedly brought this to the bank/credit card company 's attention as far back as XXXX of 2021 they have repeatedly stalled doing anything about it. Finally they told in XXXX of this month that this was not their problem and that it was up to me to resolve. Meanwhile I am paying {$300.00} a month on charges i DID NOT MAKE and to add insult to injury they are charging me {$100.00} a month interest on these fraudulent charges. Additionally these charges should have never been allowed by them as I have had this credit card for over 15 years and had never charged my card anywhere near the extent that this thief did! I left my automatic pay of {$300.00} a month on as I did not want it to negatively impact my credit. Finally I almost always paid my account down to XXXX as I generally didn't charge that much and I didn't want any interest charges. Although the bank/credit card company claims they " investigated '' these charges that is impossible to believe since they never talked with with me about those charges, the charges were made by a person who lives in OK and I live in NC, and the thief that made those charges paid of utility bills, daycare costs ( I have no children at home ), and their bills..
Consumer complaint received 2021-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I issued a letter to XXXX about an ongoing issue Ive had with disputing this account. The letter sat at the postal service for months and finally was picked up and delivered to address for XXXX. Its now XX/XX/XXXX and no notice of dispute was entered with XXXX or XXXX. Im requesting deletion of this account tracking number for certified receipt is XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Butler and Associates, PA (NC)

I received a notice of a debt against myself and a hospital from a law firm. My wife, who has POA for me called the law firm while I was out of state. They refused to speak to her. She called the hospital the debt claimed to be from. She was notified that there was no outstanding account. She called the agency they send debts to and was told they have no account for my either. They did some digging and found out the law firm bought a debt that was XXXX XXXX XXXX from my deceased wife, attached a civil court case number and my name to it, and sent me a threatening letter saying I was being sued.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (WY)

I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on. 
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company. 

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

I opened a gym membership with XXXX XXXX. They double-charged my bank account. I asked to speak with someone and no one with authority to fix the issue would speak to me i.e. the manager/owners. I cancelled my account due to moving away which was a valid reason according to the contract. The billing company asked for proof. I had an out of state I.D . all the proof I need. They appearently wouldn't cancel the account as per their own contract terms and sold the account to First Credit Services collections for an amount equal to the entire membership, including what I had already paid. So they charged me for a membership that I already legitimitely canceled. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX http : //www.firstcreditonline.com ( XXXX ) XXXX
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with XXXX XXXX XXXX.
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (LA)

XXXX, XXXX, and Experian are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.
Consumer complaint received 2021-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

The company has not adequately assessed the qualifying payments for the Public Service Loan Forgiveness program. 

The qualifying employment verifications has been submitted, per the company 's request, in the format required ( Ink signature from the employers ). 

The company continues to delay the assessment, and adjudication of payments affecting my ability to request new credit.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been fighting with these companies as well as the 3 main credit bureaus that these accounts are not mine. I have sent all information needed to show them that it was not mine and that I was a victim of identity theft. It also has been proven that more than XXXX social security number was being used on my account. These are the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b I have the right to privacy and I didn't give written consent for any of these accounts to be published on my credit report because they do not belong to me.
Consumer complaint received 2022-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AR)

On XX/XX/XXXX, I called village capitol about my payment, why it has never cleared. 
The lady on the phone said they never received it. I then explained that my bank sent a check for XXXX dollars to them on the XX/XX/XXXX and it reached XXXX texas on the XXXX. They said that they have had problems with the XXXX mailbox. I asked her why they had not gone to the post office or checked the post office box for the payment, she said she did not know why it had not been picked up or recieved. I then called my bank they said they had sent it, I then looked online account and it showed it had been sent and recieved at XXXX post office. When I called back after XXXX I told them I would stop payment and call them to make the XXXX payment she then replies that there would be a late fee attached I then asked why she said because they never recieved it. I then said you lost my payment why shouold I be charged a late fee for your mistake, she said again that they had to because it was late. I hung up and called them the day before new years eve and made the payment with the late fee.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

I understand that this complaint might be handled by the executive office of CitiBank and that's actually a concern for me. I can't count on CitiBank executive office staff members.

I had an issue with CitiBank customer service, following which a team member from Citibank executive office called me apologizing for what happened. The team member also provided me with the direct phone number of their executive office for in case I need to reach out to them directly in the future. The number is XXXX. 

I applied for a credit card. I was advised that there are no issues relating to my credit score and or any other factors for having my credit card application approved, it's only an identity confirmation that is pending for the card to get approved. I was told that I would receive a letter via mail for verification purposes. I was advised upon receiving the letter I would need to call CitiBank customer service to confirm my identity and then the credit card would be issued. 
I never received that letter from CitiBank. I called the executive office phone number that was provided to me when I realized
that phone number is taking me only to their general customer service, and the general customer service then telling me the executive office of CitiBank is not reachable over the phone. This means the team member who provide me that phone number is fake and misleading. 
I can't believe I applied for a credit card with such a below standard bank. If the CitiBank executive office is so misleading, what more can I expect from their general customer service. 

Application ID XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent debt validation and cease and desist letters to EXPERIAN credit reporting agency several times about an alleged debt.I demanded that they remove all inaccurate or negative information from my credit file. EXPERIAN had 30 days to return notarized affidavit along with proof of validity of a signed copy of the alleged contract or agreement EXPERIAN doesn't have my permission to furnish any of my information however I am demanding the deletion of negative and adverse information.So far EXPERIAN have not responded and is now in violation. I have a signed form XXXX that was received and returned to sender via ups XX/XX/. XXXX XXXX XXXX XXXX XXXX. As of XXXX XXXX EXPERIAN is still showing negative information. I need all 10 inquiries deleted, all Public Records, all closed accounts to reflexed in the positive and all collection accounts deleted, delinquent accounts to show positive and updated personal information to reflex only on address. EXPERIAN need to ask permission to furnish my info. EXPERIAN 'S reporting has damaged me financially severely. There is a big difference in scoring between XXXX and XXXX.
Consumer complaint received 2020-05-09
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage. 
13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with Experian, XXXX  and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) I XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

XXXX XXXX
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Ad Astra Recovery Services Inc (MI)

I NEVER RECIEVED A LOAN FROM " XXXX XXXX '' I HAVE CALLED SEVERAL TIMES AND THEY SAY THEY WILL REMOVE THE ACCOUNT, SINCE IT IS AN ERROR ON THEIR SIDE, AND I STILL SEE IT REPORTING. THIS NEEDS TO BE DELETED FROM A 3 CREDIT BUREAUS IMMEDIATELY!
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.