davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc. (GA)

this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I reported my capital one quicksilver card as lost and requested a new card to be issued. 

Capital one responded to the request immediately and stated they would issue a new card. 

Accordingly, in the capital one application, I use to manage the cards, I saw the new card. As I receive a small cash back for using the card, I linked the new card to my XXXX pay account in order to continue using it as I have in the past. 

When I tried to use the card it did not work. Instead, I had to use my platinum capital one credit card to make the same exact purchase. I called capital one to figure out the issue and they alleged fraudulent activity. They asked me for the front and back of a picture id in order to verify my identification. 

I informed them that I would not send them anything of the sort, as they did not have any of that information on file at the time I applied for my platinum capital one account or my XXXX capital one account. After speaking to a customer service representative and supervisor, they both refused to verify my account via my birthdate, social security number, and/or the last XXXX transactions on the account. 

On XX/XX/2023, I called back and went through the same process. This time when I spoke to the manager, I asked him to access my platinum account and asked him specifically whether they have my photo identification anywhere in their system. He responded no. I asked him whether they have my date of birth and my social security number. He responded yes. I asked if generally could they verify me via my date of birth and/or my social security number. He stated yes, generally they do. However, in this situation, they needed photo identification. I then asked where in the Terms of Service agreement did I agree to provide photo identification. He could not tell me other than stating generally they could ask me to verify my identity. I informed him I could provide my date of birth, my social security number, and the last XXXX transactions. I could also offer transactions on specific dates if they needed it. 

At every turn, I was rebuffed and told they needed my photo identification. I told them I believe they are engaging in illegal data collection by now asking for photo identification to be uploaded, emailed, or mailed to them when they did not require it when I opened the account. 

They refuse to unlock my account unless I give them my photo identification for them to store when the initial terms of our agreement required no such photo identification.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-05-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ok, I have been going around and around with Bank of America and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Bank of America about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they " Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote " I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as BANK OF AMERICA told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Bank of America and XXXX XXXX, stated to me and I quote " It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Bank of America 's fault, not mine. I did what I was instructed to do!
Consumer complaint received 2017-04-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (FL)

A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Corporation of America (TX)

My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     Thank You,
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Collection mailed a request for a response on a debt from XXXX they intended to collect sometime around XXXX or XX/XX/XXXX. I responded that I never received the internet equipment from XXXX, which can be verified by the tracking number for the equipment shipment. The debt was invalid as I never started service with XXXX at that location. Sequium reported a collection on my credit report anyway. The response to Sequium was made through snail mail, so I did not retain a copy. 

Before Sequium reached out for collections, I had already notified XXXX via email that the equipment never arrived. This happened on XX/XX/XXXX.
Consumer complaint received 2016-04-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OH)

SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. 

I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. 

All requests have gone unanswered. 

No one answers the phone at SageStream either.

I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score.

Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : -    XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. 

I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well.

If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. 

SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.
Consumer complaint received 2017-04-03
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

i received your letter today ( XX/XX/XXXX and in emailing you too tell you that i have sent a letter to the court appeals judge and requesting papers to file a suit against bank of america for mortgage fraud. now you people and the bank of america has all the information and proof you need to send me back my {$14000.00} because the money is mine and not yours or the government. it came out off my XXXX XXXX money, mine, not yours or the government and when i get the forms ill send a copy of the check front and back. i was hoping it wouldnt have to go to court and we could settle it peaceable but youre calling me a liar and im not a liar. you have proof and i have proof. its a shame how people treat and disreapect their elders bhut thats your problem, not mine.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX. I went to business/wellsfargo making a deposit on XXXXXXXX XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Credit score has been drastically lowered by XXXX and trans union even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run my credit.
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WA)

I have had on going issue with Phh Mortgage They misapplied my XXXX XXXX 2015 house payment to principal only, I contacted them XXXX XXXX 2015 and they have not corrected the situation they did finally correct XXXX XXXX 2015 house payment but have now done the same with XXXX XXXX 2015 house payment I have several emails from there customer service members stating in writing that problems would be corrected ( which they have not ) as of today XXXX XXXX 2015 I received papers from PHH Mortgage stating they intend to start foreclosure process.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets (OH)

Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

XXXX XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (LA)

Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I have a mortgage with Bank of America. My loan number is XXXX. I received a property tax bill from XXXX county. My property tax has been decreased significantly. I requested to lower the monthly mortgage payment accordingly. Bank of America instructed me to fax the county tax bill which I already did, but I never heard from Bank of Amerca.