davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MO)

A loan was taken out in my name in XXXX, XXXX through XXXX XXXX. I was the borrower and mother was the co-borrower. This loan was taken out for {$27000.00} so I could complete my XXXX college education at XXXX XXXX University. Upon my graduation in XXXX, XXXX I had started to make the monthly payments with the loan servicer, XXXX. Due to lack of steady income I eventually defaulted on my loan and it was sold to multiple debt collectors over the years. Over the years since XXXX, I attempted to pay what I could on this loan. I was still never able to make the minimum monthly payments over {$500.00} for this loan so my loan continued to get sold to different debt collectors. From XXXX, XXXX through XXXX, XXXX I had been working with the debt collector, XXXX XXXX XXXX and making monthly payments between {$100.00} - {$300.00} until I lost my job in XXXX, XXXX. XXXX XXXX XXXX told me they would continue to work with me if my situation changed. I got a job in XXXX, XXXX and called XXXX XXXX XXXX to start making payments again. However, when I called I was told that my loan was no longer with them and they did not know who it was with. Today, XX/XX/XXXX I received a letter in the mail from a law firm reaching out to help me with a lawsuit that has been filed against me by XXXX XXXX XXXX. I have not been served or summoned so this advertisement I received from the law firm was my first knowledge that I was being sued by XXXX XXXX XXXX. 

I believe that XXXX XXXX XXXX is using deceptive collections practices by filing a law suit against me more than 10 years after I defaulted on this loan. The statute of limitations for private student loans does not exceed 10 years in most states. I took this loan out in XXXX and defaulted on it more than 10 years ago. By getting me to work with debt collectors and making fruitless payments in hopes that this would not happen, they have deceived me so that the statute of limitations re-started for them and they were able to file a lawsuit against me. 

For reference, my loan started at {$27000.00} in XXXX, XXXX and is now at {$44000.00} to date ( XX/XX/XXXX ).
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (TX)

XXXX XXXX Equifax is reporting DEROGATORY which is inaccurate the following XXXX XXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with XXXX & Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( XXXX ) Account No. XXXX XXXX {$560.00} ( Equifax ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Preferred Collection and Management, Inc. (FL)

I spoke with a debt collector for PREFERRED COLLECTION AND MGMT at ( XXXX ) XXXX physically located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Their mailing address is XXXX XXXX XXXX XXXX, FL XXXX. The call was made in regards to these two accounts XXXX {$120.00} and XXXX {$83.00}. She informed me of multiple debts in their office. However, she never gave the Mini Miranda. She never informed of her attempt to collect the debt or that the call may be monitored or recorded. In addition, this debt collector was practicing unlawful and unethical practices. She refused to take a payment because the debtor was not making a payment on all of the accounts ( including the ones they could not provide a validation of debt for ). I offered to pay $ XXXX since they refused to take a 1-time payment on these two accounts. She refused to set up my payment arrangement and requested that I mail the payments instead.
Consumer complaint received 2022-04-29
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. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

Many years ago, I called citibank to cancel the recurring fee that I was receiving for " Debt Protection. '' This was before the settlement in XXXX and they refused to refund the fees, however they stated the charge would cease. I distinctly remember that it had ceased at one point, however I realized this morning that it is again recurring on my  statements and has been for as far back as their online portal will let me review statements, XX/XX/XXXX. I have no doubt that this charge goes back further than that, but I have no way of knowing exactly how far without additional statements. Additionally, after reading the settlement and reviewing emails, I was never contacted by citibank to refund the fees as stated in the XXXX settlement. So, this morning I called to get the matter resolved and was blind transferred by multiple employees in a round-robin ring where no one would take ownership or direct me to who to talk to. Ultimately, I have been hung up on twice. On the last call, where I was finally able to reach a native English speaker, she assured me that she would get me to the right person and not hang up on me. She then requested to put me on hold while she researched, then, without speaking, blind transferred me to a department that, by its title, was responsible for just this issue. They had a touch tone system with 1 and 2 used for prompts. 2 was the options I needed, but instead of transferring me to a person, it looped me back around to the main account status system where it was attempting to look up my account. This is a blatant use of technology to route worthy customers into a black hole of avoidance. I want my fees refunded as far back as the settlement requires them to go.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NV)

I have a XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. 

In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. 

Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! 

They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. 

Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion and XXXX is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.
Consumer complaint received 2020-01-24
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. (TX)

I XXXX XXXX would like for experian to remove all accounts that may be considered negative from my Experian report. Such as XXXX XXXX  Account # XXXX, date open XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX, date open XX/XX/XXXX another XXXX XXXX XXXX XXXX XXXX account # XXXX both unsecured.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2022 a venmo transaction was sent for {$350.00} to a XXXX XXXX ( @ XXXX ) for the deposit of a puppy. After further communication with the breeder that started to feel questionable, it was discovered the recipient was a scammer on XX/XX/2022, the name does not exist and the XXXX account was not real. Upon discovering this information, I immediately contacted Venmo to inform them of the scam and requested help in obtaining my {$350.00} back. In the meantime, the recipient mentioned above blocked me. Venmo failed to assist and continually stated that it was unfortunate and there was nothing they could do. I would like to file a formal complaint in regards to this issue and the protection of my money. I informed Venmo of the contract that was entered and they did not have a care in the world to help me resolve the issue.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (PA)

Receiving several calls from this collection agency or credit card company I called account services about these calls and they refused to take my informaton because I would not give personal information to them- Told them that i had a attorney representing me and the person on the other line refused to take the information
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( XXXX XXXX  XXXX BANK XXXX A ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I asked Truist bank to remove PMI from my mortgage as I have an appraisal - they initially said I would need to do a refinance to remove PMI ( which I know is not true ). They have been charging me {$72.00} since I called for my PMI. My loan to value from my appraisal is below 65 % and they have not removed my PMI. 

Truist bank now says they are " reviewing '' a request that was submitted on a date I do not recognize and while I wait they are still charging me PMI. 

When will PMI be removed from my loan as I am paying {$870.00} per year for nothing? Why would they take that money from me if my loan to value is well below 80 %?
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (CA)

There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Consumer complaint received 2019-06-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I was in the process of refinancing my mortgage in the month of XXXX, the company that I was refinancing with requested a payoff from XXXX XXXX XXXX. On XX/XX/XXXX Lakeview initiated a tax payment out of escrow for me. They provided a payoff on the XXXX of XXXX and we calculated this payoff for the closing including per diem. I dont know why they would send us a payoff with figures that werent accurate after they initiated a tax payment. With that payoff, we wired out what the amount would be with coverage for per diem. They rejected that two times from us saying the amount was short even though it was exactly what was requested on the payoff statement. 

Now i'm being reported delinquent for the month of XXXX even though I tried multiple times to payoff my loan with the exact instructions provided by XXXX XXXX XXXX. I shouldn't be reported delinquent.
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (NY)

Someone open an account in my name fraudulently. I called the company they can provide no account that exists in my name but they keep telling the credit bureaus that the info is correct. I gave them the account listed on my credit report and still unable to locate any info that says I have an account. This is completely fraudulent.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

During the process I provided the Company with all documents requested but had a home that was being sold in which I provided them all documents that were given to me by the company and requested by them. My concerns were at every turn they seemed to continue to scrutinize my documents excessively and the reasons for it didn't really make sense. Despite having an average 840 credit score, over 740 score for mortgages which I was told by them is over qualified, I was being asked to keep proving payment history for my house despite it being paid off in documents that were given and reflected in my credit report as no late payments for over 15 years. After questioning the motives of this type of review and leaving messages expressing my displeasure with the process the Rep called the next day saying he spoke with underwriting and they would accept documents.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (TX)

On XX/XX/XXXX I received a letter from debt collector Unifund CCR to inform me that they are servicing an account that is owned by Distressed Asset Portfolio III, LLC with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to Unifund CCR via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that Unifund CCR provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or Distressed Asset Portfolio. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that Unifund CCR placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by Distressed Asset Portfolio.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to Unifund CCR on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by Unifund CCR for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This debt is not mine and I have filed an Identity Theft Report with the FTC. I wish to have this debt, Wakefield & Associates, removed from my account. I have attached the report. Please follow FCRA guidelines regarding reporting fraudulent activity to the credit bureaus.