davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. 

Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. 

This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? 

Thank you, -XXXX XXXX XXXX
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

I made the payment on time, but when SunWest Mortgage went to withdraw the fund was insufficient. i wasn't aware my wife failed to put the money back in the checking account after using some of it. I immediately, called SunWest to explain what had happened, tell them the fund is there in my account and I'm ready to pay the penalty because of that. I told SunWest this is a very difficult moment where they should at least, see the human toll besides their own bottom line which is making money at all costs.They didn't want to listen, explained to me the way to resolve the payment is to go buy a money order for the amount of {$2100.00}. SunWest charged me {$15.00} for insufficient fund and {$110.00} penalty. My final bill was the mortgage payment plus fees, penalty and {$15.00} for the cashier check I bought. Oh, i forgot to mention next day postage fees. 
This is the way SunWest treated part of its clienteles that is voiceless and unable to come out of that merciless purge.
Consumer complaint received 2015-09-08
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (FL)

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 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

XXXX kept charging me for an account that was closed. They intimidated me since I disputed the bill with my XXXX account. ried Basically, XXXX tried to ruin my credit rating by reporting me to credit agencies. 

I never received a letter any other correspondence that they would take this aggresive tactic. I ended up having to pay the {$94.00} charge to keep my excellent credit rating which is unfair and a shakedown. 

I live in XXXX, XXXX for the past year and have spent a lot of money on the phone trying to resolve this dispute. It is a matter of principle in my mind not to be taken advantage by XXXX collection practises. 

Thank you for hearing my complaint.
Consumer complaint received 2016-08-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

Since 2006, the year I graduated, countless problems have come directly from careless business practices, but, by far, the most annoying problem is the refusal of the company to provide an account summary of the total amount repaid on my loan from the very beginning. They will provide up to one year and nothing further. I would like a comprehensive report detailing every single payment, missed payment and total due. 

After many requests over the years, I am turning to Consumer Financial to file a complaint and get the attention of someone holding a high enough position within Sallie Mae ( now known as XXXX ) to provide me with my comprehensive account summary.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I rented an apartment at XXXX XXXX XXXX, I have an autistic son ant the neighbor start complaining about my son noises during the night, neighbor come into my unit apartment knocking in law manner disturbing my son with the yelling and at the same time the management department was asking me for my son not to do that much noise, which I ask them to move me into a first floor in consideration for a disable person, they did agree but never resolve the acomodation, which force me to move out from the complex. 
Management treaded me to affect my credit with out offering me any other option so I have to look for my son 's well bein and metal stability. 
I do not recognize this charges at all.
Consumer complaint received 2021-03-01
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: CCS Financial Services, Inc. (NJ)

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

My account has been paid in full to XXXX XXXX. XXXX has updated all my information to reflect correctly but for my Experian credit report, it is reporting wrong. It is showing delinquency is recent as of XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my Experian. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my Experian credit report due to how XXXX update the account.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

On XX/XX/XXXX I entered into an agreement with University XXXX XXXX/co XXXX XXXX for debt rehabilitation. 

In the agreement they state if I make 9 consecutive on time payments of XXXX with the last payment due on XX/XX/XXXX and my credit report will be returned to current status. 
Have all the credit bureaus histories regarding the defaulted loan removed. 

By this date XXXX XXXX has not updated my credit report per their promise
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit. 
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less. 
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX. 
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back. 
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ). 
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account? 
The impact to my credit score was more than 30 points as I don't  carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX. 
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.
Consumer complaint received 2020-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received notice by email on XX/XX/XXXX from Bank of America indicating they had made the decision to close [ my ] account. I have received no prior warning of this, my account was in good standing with no balance. I have had this account since XXXX. Is this a violation of california civil code 1747.85?
Consumer complaint received 2020-10-14
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (MO)

I am unemployed due to covid-19 and thought they had to wait til XXXX to call everyday and ask me to pay. Well they are and I feel they should be fined for breaking an executive order from the POTUS. They are asking me to borrow money from others to pay them. I am actively looking for a job and have intentions of setting up a payment agreement when I obtain one. However, being called and harassed about my loans when to my understanding, they should NOT, is not okay. I ask that you PLEASE, at the very least ... tell them to stop. It is hard enough stressing about the ability to pay for rent and food and receiving daily phone calls about a school loan makes me feel even worse. Nobody wants to be behind on bills. Nobody wanted Covid-19 to happen. Please help. The company 's name is Great Lakes/XXXX.

Thank you
Consumer complaint received 2023-02-07
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. (SC)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: DMB Financial, LLC (TX)

I am a XXXX year old XXXX veteran, and entered into an agreement with DMB financial in XX/XX/XXXX to settle my credit card debt. I ended the relationship with DMB in XX/XX/XXXX due to suspicious transactions, for example : settlement fees yet none of my accounts are settled, large number of payments and subsequent reverse payments, etc. 

Over that period, i have deposited {$6900.00} into a designated account. Upon ending the relationship with DMB, they sent a check for approximately {$900.00}. As of an email dated XX/XX/XXXX, none of the accounts are settled. 

Despite repeated requests ( from both my son and me ) to detail how the balance of the funds were used, we have not been able to obtain a clear answer. Often times they claim they must research the situation but do not follow up - and now that the relationship has ended, they will not service the account at all.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

In my mind your company does not seem to have a problem with harassing individuals with erroneous debt. I never agreed that I owe any money at XXXX XXXX XXXX  because I do not. As I previously mentioned, I do not know if that address exists. I never lived at that address and if you put any debt amount for that address on my credit at any time, I will take legal action.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Monday XX/XX/XXXX, I made a hotel reservation for XX/XX/XXXX - XXXX, XXXX using my Capital One credit card. The cancellation policy merely stated that there was free cancellation prior to XX/XX/XXXX. Due to the Coronavirus pandemic, I cancelled the reservation, and received acknowledgement of the cancellation on Monday XX/XX/XXXX at XXXX XXXX. I did not hear anything further or see my account credited, so I emailed the company on Wednesday XX/XX/XXXX at XXXX XXXX asking " can you please let me know when I can expect to see my account credited ''. On Wednesday XXXX, XXXX at XXXX XXXX, I received an email back that said, in summary, that my cancellation was free of charge and verified, and that due to high cancellation rates and bank limits on the daily refunds, that the processing of my refund would be delayed. This was alarming as it indicated that they were out of money and I might not receive a refund, so I opened a dispute for the charge of {$470.00} with Capital One. After filing the dispute, the company emailed me on Wednesday XX/XX/XXXX at XXXX XXXX saying that they would give me a credit good until XX/XX/XXXX and a promotional code. I replied that a credit wouldn't work for me and let them know that I had disputed the charge. The company responded to the Capital One dispute with only the communications dated the XX/XX/XXXX and charged back my account on XX/XX/XXXX. I followed up per the notification by Capital One and uploaded the detailed email exchanges between myself and the company detailing the original purchase, the cancellation policy listed in the purchase which was the only information provided to me at the time of booking, my request for account credit, their response that it was delayed, and then their final response offering me store credit essentially. These documents were uploaded with the Capital One provided link, had the case number notated on the first page of each document along with a description. There were no options to include comments or explanations, only the document upload. I called Capital One at approximately XXXX XXXX on XX/XX/XXXX to follow up on my case and uploaded documents, and specifically asked if there was anything missing or needed, and was simply told no, that they were processing. At approximately XXXX XXXX on XX/XX/XXXX I received a letter in the mail telling me that the documents lacked all of the previously requested information needed, they closed my dispute, and that I have to work with the merchant.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (TX)

I own a home that I purchased in XXXX and have lived there since purchase. When trying to refinance said home in XXXX, it was brought to my attention that there was an apartment and eviction on my credit from XXXX. I have never had an apartment. I filed police report and identity theft report with federal trade. Alerted all bureaus. It remains on my credit report with out any response. Its extremely damaging and I need help getting the information removed. Its ridiculous.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Feldman & Stern, LLC (NY)

On XX/XX/XXXX oXXXX XXXX, I received a phone call from an " unknown caller '' at XXXX XXXX A voicemail was left simply stating that I needed to call a person back named XXXX XXXX immediately. In addition, my spouse received the same phone call and voicemail at XXXX XXXX. 

I called Mr. XXXX back at XXXX  XXXX, to inquire about the reason for his call. He stated that he was collecting a debt from XXXX XXXX, a total of {$210.00}, and that this needed to be paid by XX/XX/2021, in order to not go have a bad mark on my credit score. This was stated via phone call. 

I proceeded to ask about the amount and if I could get an itemized report of where this amount of money came from. He said that it is too late and that I can not receive this information. He stated that he was calling on behalf of XXXX XXXX and that my account came to them after being delinquent at XXXX XXXX. He also claimed that I was 90 days delinquent, however I have never received any notice of this before today, XX/XX/2021. In addition, he would not provide me with a number to call so that I could receive any more information about this debt that he stated that I owed. 

I requested on the phone that he send me an email outlining the debt that I supposedly owed. This is attached below. 

My last communication with XXXX XXXX owner, XXXX XXXX, was on XX/XX/XXXX, when I cancelled my account via postal mail, where I included my key fob that gives access to the gym. I have not received any further communication with Mr. XXXX regarding any further debts or charges, until today, XX/XX/2021, from Mr. XXXX.