davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CO)

They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

I was solicited to open a consumer checking account ( The Citibank Account Package ) on XX/XX/2016 with a promise that I will be offered {$400.00} cash bonus, if I deposit {$15000.00} within XXXX days of opening the account ( Exibit # XXXX & XXXX ) I did open the account on the same day and deposited the required {$15000.00}. After opening the account, I double checked the offer terms and whether it was applicable to the newly opened account ( Exibit # XXXX ). Following the XXXX days as per the terms, I again contacted CitiBank to confirmed that my deposit of {$15000.00} qualified for the {$400.00} cash bonus XXXX Exhibit # XXXX & XXXX ). It has been more than XXXX days, I have not yet received the {$4000.00} cash bonus. Citi 's solicitation number # XXXX is outright misleading and I humbly request Citi to deliver on its promise.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (DE)

I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

This company has gotten a judgement and has frozen my bank account for an amount I do not owe. They are not the original creditors and have inflated the amount owed. I am trying to fight it in court. The company is XXXX, XXXX and XXXX.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I did not get notification of an alleged debt that should have been paid in full by my medical insurance. 

There was no communication from this debt collector and the Collection Agency reported this negative trade-line in my credit report without giving the option to dispute to dispute and ask validation of the debt, I need all the documentation, with payments applied by my insurance and I believe this XXXX XXXX XXXX overcharged me for the procedures performed.
Consumer complaint received 2015-12-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OR)

I have been using XXXX mastercard since my children were young to earn rewards for college. My son is now in college and I have been trying to get the funds transferred. The website says a total of {$2800.00} was transferred but only {$400.00} ever arrived in my son 's XXXX. I have been trying to contact XXXX for weeks. The phone number directs you to an online chat. The chat says you must schedule an appointment for a call back. I have scheduled several but never received a call back. Today, the chat says they are closed despite it being within the hours of operation listed in the same paragraph. I also submitted a request for help online and have received no response. I called XXXX mastercard and they redirected me to the XXXX phone number XXXX saying a person would answer. This number tells you to schedule a phone appointment online. I have no idea how to contact this company to resolve the issue of the {$2400.00} of missing college rewards. I appreciate any help you can provide.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (FL)

On XX/XX//2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/ 2018 I sent a dispute letter to the Credit Bureaus, XXXX, XXXX, and EXPERIAN, and they did not respond.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlantic Credit & Finance, Inc. (MO)

I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. 
The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX 
XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Consumer complaint received 2019-02-26
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. (FL)

On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, XXXX, TRANSUNION, and XXXX, and they did not respond.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Benuck & Rainey, Inc. (MA)

In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.
Consumer complaint received 2016-03-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (IL)

My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (MA)

3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. 

XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX   XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX
Consumer complaint received 2015-07-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

Collection Consultants of California has unlawfully placed collections under my credit reports for debts that were paid to XXXX though a lawsuit and the court of law. I do not owe nor am I responsible for any debts placed against me as the court of law is handling an accident case which resulted in me being compensated for injuries and and physical damages and all medical expenses were included in the suit and I am not responsible for them. This company has used harassing and aggressive tactics to contact me at nights using robotic machines and leaving voicemails and threats of lawsuits on my cellular phone and on the phones of my family members and I have had to change my cellular number. Please investigate their unlawful collection practices and their unlawful placing of debts on individuals accounts without proper verification or providing any paper work of debts owed. XXXX XXXX is in possession of all legal forms and case numbers filed by my attorney which places this debt in the hands limousine company that caused my injuries. They are insured and have covered the costs with XXXX through a lawsuit judgment. I will challenge and respond until they remove the illegal debts from my name. I will not stop disputing the accounts reported to the bureaus under # XXXX and # XXXX. They are not legally allowed to contact me as well. I will pursue litigation with my attorney if they do not comply. This company is very deceptive and predatory.
Consumer complaint received 2021-01-27
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)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXXongress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy  Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery : XXXX, continues to call family members divulging my personal information in attempt to collect a debt that I do not owe. Additionally, this company has received written notice to seize and desist all attempts to contact me. I previously submitted written complaints to your office regarding this company.
Consumer complaint received 2016-01-04
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (PA)

Today, I received an email from a valid western union email id that I have made a money transfer from XXXX to XXXX. All the personal information given in the email is correct like my name, my email id. The postal address which is given in the email is the one where I used to live last year, also the phone number is my previous phone number. However, the credit card given in the email is not mine. So in summary, someone is using my personal information and his/her credit card to make a money transfer. 
I want to add here, that last year when I was living at the postal address mentioned in this email, I made a western union transfer, so what I am suspecting is that the personal information collected at that time is being used now to make this fraudulent transfer. 
Kindly investigate in this issue
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

On XX/XX/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check Experian they charged off XXXX thats illegal and violating my rights.
Consumer complaint received 2022-02-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA (GA)

On XX/XX/XXXX I received documents from Mohela stating that enclosed is the information that I requested. I previously filed a complaint XXXX and which I included documentation of my request to Mohela that was sent certified requesting a contract bearing my signature in wet ink. I first received documentation from them stating that I took a parent plus loan out showed my daughter school as the school I received a loan for. The date that my named was typed was XX/XX/XXXX. However I did apply but was denied on XX/XX/XXXX due to having adverse credit. So how can I have applied and type my name on XXXX XXXX if I was already denied on XX/XX/XXXX. I also a couple days later received another package with documents now stating that its my debt. As I read over the documentation that is still not a contract bearing my signature in wet ink where I agreed to pay a debt owned to Mohela. I read that some of section one may be completed for you. Because I was denied on XX/XX/XXXX for the Parent plus loan that they are trying to say I own but yet send me documentation with my name typed on XXXX XXXX someone other then myself filled that information for me. I have not giving anyone permission to type my name of fill out any form for me. A couple days after I received the first documentation from Mohela I received another package now saying that the debt belong to me. So I am now feeling like Mohela is pulling my Information from somewhere and sending documentation that are false. I still have yet to receive a contract which bears my signature to validate that I agree to pay a debt to Mohela. I received another corespondent on XX/XX/XXXX stating they have enclosed a Promissory Note that I signed on XX/XX/XXXX which again my name is typed. Anyone can type my name. 

Signature-a person name written in a distinctive way. 


Mohela have failed to provide me with the requested validation that I have requested a month ago. 
Mohela is in violation of 15 U.S.C 1692q. 
15 U.S.C 1692j ( a ) ( b ) 15 U.S.C 1692d 15 U.S.C 1692e Mohela keep sending all these correspondences but yet have sent anything that validating the debt. As a consumer I have rights.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Creditors, Inc. (TN)

I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.