davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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. (CA)

XXXX XXXX have wrong information on my credit report i have only1 XXXX auto loan and i see 3 XXXX  auto loan on my credit report and lots of wrong information i call and talk to credit bureau manager and i tell her every thing on my credit report is wrong she said i can hear you but she dont do anything about it all she said you can file complain about  the XXXX XXXX  this will make my credit lower lower it was XXXX went down to XXXX i am tryin g to raise my credit score i am trying to raise my credit score
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is bank of america did not credit my refund from the merchant into my new bank of america credit card, I tried to explain to bank of america. But there was little that I could do about this. I filed a clain. And once i filed a claim bank of america supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only bank of america misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.
Consumer complaint received 2016-08-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I was awarded my Social Security XXXX by the Social Security Administration XX/XX/2014. I sent all documents to Navient and they decided not to honor the XXXX. I had been making my payments as best as I good and without a job I was dependent on my children and my husband 's Social Security. XX/XX/XXXX or XX/XX/XXXX, payment arrangements were made and I was given confirmation numbers. This servicer has the penchant for misplacing the requested documents. I supplied them with my award letter and the amount I get and on XXXX loan, I submitted a death certificate for my co-signer. Of late, Navient has decided they want more money, even after giving me the confirmation numbers. Navient is now taking {$240.00} a month. My SSI check is {$220.00}. Without my consent or knowledge, they took {$590.00}. Plus another {$50.00} for a " fee ''. That was an afterthought that XXXX XXXX XXXX decided on. .I am sick of the harassment and the humiliating phone calls. I answer my phone if I am not in a crowd of people. Sometimes I answer my phone when I am in public. I was not in the position to talk XX/XX/XXXX and asked the representative to call me back in about an hour or I could call him back. He became very irate. He screamed at me, " why did you answer your phone if you could n't talk? '' The harassment was so bad and my granddaughters were present. I had no choice but to just hang up on him. When I called him later on, he was very rude and irate again. He turned me over to XXXX XXXX XXXX. I am doing all I can do for this loan. XXXX XXXX told me they were going after my co-signer. He requested my bank statements and my mother in law 's certificate of death. I have supplied them with everything I have. They have no reason to go after XXXX XXXX. I supplied them very early on with a letter of termination from school where he was teaching. I do n't know what else to do. Any help or guidance you can give me would be appreciated. 
XXXX regards, XXXX XXXX
Consumer complaint received 2017-05-25
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. (TX)

There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2020-09-11
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: Collection Bureau of America Ltd. (TX)

I am disputing the collection in the amount of {$320.00} that was reported to my credit report. I had two delivery address with XXXX   XXXX XXXX. After Hurricane Harvey, we moved out of our home and no longer needed the delivery service at our home. XXXX picked up our water cooler and remaining water bottles. After the equipment was picked up, I called XXXX  several times because my auto draft was still being charged for the equipment at my home that had picked up and cancelled. After several months and calls into XXXX, I had a rep finally close out that account and stop the auto draft and credit my account for the over charge. At this time, I assumed every thing was complete. I received a collection letter in XXXX regarding a past due account. When I called them, I was told to send an explanation letter and they would get with XXXX  to remove the collection. I received an update in XXXX showing this was placed on my credit reports for an unpaid collection. I have contacted the collection company, who states that they are still waiting on XXXX  to respond to my inquiry. I have tried to contact XXXX   directly, but they will not speak with me because the account was sold to collections. I have no idea what this charge if for, nor do I owe this amount. I currently still have an account with XXXX  for our business account.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

I called citimortgage on Saturday XXXX and asked about getting a 2 month extension for my XXXX & XXXX payment. I was told to call back on XXXX which I did and went over my finances and was told I qualified for the 2 month extension. I was supposed to get a fax that day. I gave them my personal fax # XXXX. I never got the fax so I called back and they refaxed it but with a date of XXXX not XXXX which would have had me within the guidelines to get the extension. I have made lots of calls and been told lots of different things I was told I was approved and do n't worry about the fax they just need to have it uploaded. Now today when I called I was told I was outside the dates so I was declined. I would like to file a formal complaint I did my due diligence to get help and was told I was approved for the extension and now it is the XXXX the last day of the month and I am not able to make the payment. I would like for Citi to make this right by honoring the XXXX as the date of the extension approval.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing has indicated that my mortgage, # XXXX is " 120-149 '' Days Late from XX/XX/2020. That is FALSE. This account is current and was never late and protected under the CARES ACT Forbearance. The attached Letter from Shellpoint Mortgage Servicing proves I was under Forbearance from XX/XX/2020 through XX/XX/2020.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ZWICKER & ASSOCIATES (MD)

On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (LA)

Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. 

I learned this is called skip tracing and is illegal. Please help.
Consumer complaint received 2021-06-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (FL)

The alleged creditor claimed I owed a amount this is does not support any evidence of this claim amount. This alleged debt is pass the statutory limit, and does not have factual information. This company sold my information to a another entity in which is is a non government or state regulators business. The entity charged the loan of fault ( FL USURY 18 % ) This entity is claiming a debt that is not owed by me and any debt related to social security XXXX
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.
Consumer complaint received 2016-06-16
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL (GA)

This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Northern Alliance Management, LLC (NY)

Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX
Consumer complaint received 2016-06-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc. (MO)

Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

reference Citizens One Loan paid off XX/XX/XXXX. For and in the name of XXXX XXXX XXXX, elderly parents sent over {$10000.00} to citizens One and not Citizens insurance XXXX and XXXX. I called citizens one, got XXXX cat numbers, was told if loan was paid off they would send a check back, this DID Not happen. 

They took advantage and was told they were sent money back witting 3 weeks of receiving if the loan was paid off, again they kept the money. 

I have no idea how many times the happened since XX/XX/XXXX. 3 times for sure.
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (SC)

This medical collection agency ( FST FIN MGMT ) Acct # XXXX is still reporting on my credit after I have received written proof that they was going to ask the credit bureaus to remove this from my credit report. It still reporting to XXXX  and XXXX.
Consumer complaint received 2021-11-26
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)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). I have advised them that under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2016 I again received marketing email from Bank of America ( yes it is marketing despite what Bank of America calls it ), with the subject " Oh sn-app. Check it out. '' In my previous complaint about this to CFPB, dated XXXX/XXXX/2016, Bank of America responded, " we have determined that the email you are receiving regarding the mobile application is not considered solicitation. As an online banking user, Bank of America considers the use of the mobile application as part of servicing our client 's needs. '' In their response, Bank of America went on to say " In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XXXX XXXX, 2016, Please allow up to 48 business hours for the changes to be fully effective ''. However, on XXXX XXXX 2016, I again received this same junk/spam/garbage email with the subject " Oh sn-app. Check it out. '' Perhaps Bank of America has changed the definition of time itself. Their response was on XXXX/XXXX/2016. The next unwanted ( marketing ) email they sent me was on XXXX/XXXX/2016. Well let 's see - is the time difference between XXXX/XXXX/2016 and XXXX 2016 more than 48 hours? Apparently, for Bank of America, this time difference is LESS than 48 hours. 
Bank of America appears to be completely detached from what they say they are going to do to remedy my concerns, and what they actually do. Again, as I stated in my CFPB complaint dated XXXX/XXXX/2016, Bank of America has changed the definition of marketing email. NO OTHER FINANCIAL INSTITUTION I HAVE DONE BUSINESS WITH IN THE PAST 15 YEARS HAS BEEN AS PERSISTENT IN THEIR PURSUIT OF SENDING UNWANTED ( MARKETING ) EMAIL AS BANK OF AMERICA. But Bank of America, by unilaterally changing the definition of " marketing '', continues to justify sending this junk/spam/garbage email. 
If a client has told Bank of America they do not want this type of email, then obviously it does not meet their needs. I have told Bank of America I do not want this email. Many, many times. For over 10 years I have told them this. But they continue to send this. 
So at best Bank of America is full of themselves ( of course there is a better word than " themselves '' that would describe what Bank of America is, it starts with the letter 's ', but I want to keep this professional ). 
So for how many more years do I need to tell Bank of America that I do not want this email that they are sending me? Is n't XXXX decade enough for Bank of America to get the message? Obviously not. Bank of America knows they can get away with this 's ', and as long as they know they can get away with it, they will continue to do it. I can only imagine how the people who lost so much money due to Bank of America 's manipulations of the financial system over the past XXXX decades must feel.