davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

Citi credit card improperly closed my account on XX/XX/XXXX and will not allow me to reopen it and have rejected my application for a new card. Details below : I recently changed banks and added my new bank account information to my Citi credit card account so I can pay my bills. When adding the new bank account number, I mistyped the account number by one digit ( according to the sales representative from Citi who I spoke with on XX/XX/XXXX ), which led to three consecutive scheduled payments to be rejected within 24 hours one for {$380.00}, {$130.00}, and {$7200.00}. The reason for three scheduled payments is because my husband and I split the bills and I miscalculated the total amount we each owed a few times, leading me to add on additional payment amounts from the same account. 

There was nothing fraudulent or nefarious here, just a sleep-deprived, new mom trying to pay my bills and made a *simple* typo in the account number that anyone could make. As soon as I learned of the typo, I corrected it and made the proper payments. 

The typo and subsequent rejection of payments led to me triggering something in the Citi system to automatically close my account on XX/XX/XXXX. I didnt receive any warning saying e.g., weve noticed issues with your payment, please correct this in order to keep your account open. Citi simply shut down my account. The sales representative I spoke to on XX/XX/XXXX indicated that they were unable to reopen my account and unable to override the system to allow me to open a new account. So, I am now XXXX from Citi for an undefined period of time for the simplest of mistakes. I have never missed a payment with Citi and I have never even run a balance month to month. As a loyal customer, I deserve better treatment than this.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Source Receivables Management LLC (IN)

The Debt Collector Source Receivables Management acting on behalf of XXXX called me in XXXX to collect {$1400.00} which I assumed included an inflated amount by the agency.I said I didnt have that much so they offered to settle for {$800.00} and wanted my bank account info and like an XXXX I gave them the info and at the proper time {$800.00} was withdrawn which I thought settled the matter.Today XX/XX/XXXX they sent me a letter that they had charged my account an additional {$1000.00} causing an overdraft fee 's by my bank. I am working with my bank but their hands are tied until the draft is processed.I only hads {$800.00} in the account prior. I intend to sue this collection agency for causing me pain and suffering.Had they been ethical this issue would have been over. The collection agency is Source Receivables Management of XXXX, NC.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

In your response to my complaint you stated : " Our office received an assigned account from the creditor XXXX XXXX with respect to this consumer in XX/XX/2016 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to Caine & Weiner. '' If the balance is not due Caine & Weiner. Why are they reporting on my credit report? This is false, misleading and harmful. 
You are in violation of : 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 1 )
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX  credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed. 
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount. 
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

Sent a payment to Flagstar bank on XX/XX/XXXX. The amount of {$53000.00}. I have been sending payments to Texas for other banks in the past and I know it takes from 3 to 5 days at most. I have recorded the conversation with the person who answered at XXXX. She told me that she did not see my payment but did see a internal transfer on XX/XX/XXXX. Because it was an internal transfer that tells me the bank received the funds sometime between XX/XX/XXXX to XX/XX/XXXX. Even that is a excessive USPS delivery time ; which I don't believe for a moment. The USPS has never been that inefficient in 20 years sending mail to Texas. When I asked to be given a supervisor he denied they received it. It is my belief this bank is engaged in fraud. If they delay early payments until the end of the month and hold on to them until then instead of processing ASAP ; they charge me more interest and if they do that with hundreds of thousands of customers it is easily millions to potential billions over time they steal from their customers, like me. This appears to be a business practice at Flagstar. They are to process payments as soon as they get the check and not hold them until the end of the month. I expect to be reimbursed the interest difference between the loan and the loan less the payment for the 12 days they did not recognize the payment or roughly {$57.00}. I also expect the federal government FDIC and other organizations to investigate Flagstar. Now that I can not trust Flagstar I will walk my payments into a local branch in Arizona. A final note I told the supervisor I know the payment will magically appear either XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (MO)

Judgement was entered on XX/XX/XXXX. 
Now have another summons for court to revive this judgement. Sent on XX/XX/XXXX This should be time barred debt. 
Missouri statues of limitations is 10 years.
Consumer complaint received 2017-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account. 

On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX. 

Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining. 

PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining. 

When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Had a flood in my home XXXX, XXXX 2021 which the insurance is paying out XXXX out towards the damages on the property. I sent out the first insurance check to Carrington XXXX XXXX draft department the XXXX of XXXX, they sent the check to the wrong address multiple times to the point we had to order a new check from the insurance. My representative is XXXX XXXX Ext XXXX She has repeatedly told me its been handled and said she sent the new check out and its been indorse so we can repair the property. And they just sent the check back without it being indorsed. At this point it seems like its a game and nobody in the Carrington XXXX XXXX Draft Department is helping to get this job done the correct way. I'm struggling to pay to fix all of the damages in the property and Pay my mortgage. I seriously need help.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (MD)

contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian continues to report XXXX XXXX XXXX on my credit report. This account is fraudulent and is continuously reporting the inaccurate information regarding the amounts that is owed. I monitor my credit report and they have listed the debt being owed as {$13000.00} then to {$16000.00}, then it changed as of XX/XX/2016 as the amount owed as {$25000.00}. The fraudulent charged off account keeps adding on fraudulent charges to an account that is closed! This account is not being verified correctly because the account information is fraudulent, the amounts are fraudulent! This is illegally!
Consumer complaint received 2017-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was informed by my mortgage agent that Bank of America put me that I paid late when I closed the account for {$20.00} or {$25.00} dollars, for that significant amount they put my credit in red and when I'm running the report anyone of bank can see it. I paid that money and I will like this to be resolve, also I have a XXXX account that appears in my credit score I will like this to be resolve as well too.
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

I was never evicted. I do not owe this company this amount of money. They are charging me 6 months of rent when I was not living there. I Never signed a lease with them. This is affecting me being able to get approved at other rental companies. I have good rental history prior to this. Transunion removed this account after dispute. Please do the same. Thank you
Consumer complaint received 2020-12-01
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. (GA)

Your company is in violation of the FDCPA section 807. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX Accounts XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by Accounts Receivable on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.
Consumer complaint received 2020-12-01
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

The collection to XXXX was paid electronically on X/XX/2017 for the amount XXXX from my wife XXXX checking account. 
I can submit the statement as proof. 
Its been more than one year this account was paid and it is still listed as delinquent.
Consumer complaint received 2021-10-19
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. (IL)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

Settled/paid a charge off with an collection company for comenity cb/ my place rewards and comenity refuses to update the status of the account along with the comment. Status of the account should state ; current. Comments should state ; paid as agreed or paid in full for less than full balance. Ive tried to dispute the account multiple times and Ive tried to contact, but Comenity refuses to talk to me. Comenity states that they dont own my account, but refuses to remove it from my report or update it. Ive also wrong a goodwill letter and was ignored ( XXXX ). 
Payment made : {$170.00} Account satisfied on : XX/XX/XXXX Original creditor : Comenity Capital Bank Debt collector : XXXX XXXX XXXX. 
XXXX stated that they would request for the tradeline to be removed from all three credit bureaus but Comenity refuses to remove or update the account.