davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (AL)

I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is XXXX.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. We had a 5 year plan and paid our trustee on time, never late for 5 years. We were discharged XX/XX/XXXX While in the bankruptcy we filed for a loan modification with our lender XXXX. After several months we were approved for a lower payment XXXX XXXX to XXXX ) and our account was brought current. We had to get this modification approved by our trustee..which we did. XX/XX/XXXX our loan was transferred to Caliber Home loans, who recognized and accepted our new payment amount of XXXX. However, they failed to bring the account current, without our knowledge. Prior to our case being discharged, Caliber was sent a letter to notify the courts and trustee if there were any errors as we were due to be discharged. They did not respond. Our bankruptcy was discharged free and clear of any past due amounts. XX/XX/XXXX, Caliber contacted us and said we were XXXX behind and threatened to foreclose. They made us do a repayment plan to get caught us and NEVER HONORED OR RECOGNIZED THE modification to bring the account current, although we provided documentation. We have been struggling for11 months making double and triple payments on money that was not even due or owed. We want to keep our home and feel that Caliber did not honor what was approved by the courts and they failed to comply with the rules that a debtor needs to be notified prior to discharge of any discrepancy. We have suffered an enormous amount of stress and agony just to ensure we are back on track not to mention the house is over XXXX over the amount it is worth. In addition, Caliber has reported late payments the entire time we have been with them even in the bankruptcy which I thought was against the law
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

I co-signed for a vehicle loan in 2014 for a friend. I was just informed today by Chrysler Capital that the car note is late 33 days and they have not been able to contact the co-owner of the vehicle. I want to know my rights as the Borrower. I want my name removed from this car loan asap to avoid my credit being badly affected. What can I do at this point?
Consumer complaint received 2015-09-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business.
Consumer complaint received 2022-02-11
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This complaint was previously filed un der Case No .  XXXX  and I have tried numerous times before that to get Bank of America to correct their records.     I continue to receive confidential information from Bank of America f or one of thei r customers.     I am NOT a Bank of America customer.   I DO NOT KNOW that customer.     Bank of America, in a letter to me dated  XXXX / XXXX / XXXX   XXXX  attached ), and in response to the ab ove Case No. replied, " Our records do not reflect you as an owner or authorized user on the account  referenced ... '' Exactly my point. So, why do you keep sending me information about that account of which I am not an owner??     Today,  XXXX   XXXX ,  XXXX , I received the following email from Bank of Ame rica ( origi nal message attached ) : " Dear  XXXX   XXXX  : The authorization code you requested is listed below.   Authorization code: XXXX  Please note that this code is temporary. If you try entering the authorization code and it has expired, you 'll need to request a  new one. . .. '' Why is Bank of America incapable of contacting their customer and finding out what the correct email address for this account is?     Instead, the Bank keeps divulging confidential information to me, who, as they correctly state, is neither an owner nor authorized user.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (AZ)

Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die.
Consumer complaint received 2020-10-18
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: DISCOVER BANK (OH)

I previously unlocked my credit report to obtain a XX/XX/XXXX business credit card, for my business however i noticed some one tried to open a discover credit card in my name not knowing i alreday have a discover credit card i did not authorize no one to use my name for a discover card or nothing
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Rosebud Economic Development Corporation (TX)

XXXX very rude and harassing people at my work a guy named XXXX called random numbers got one of my co workers and asked for me. I agreed to pay XXXX a month and next thing you know they drafted XXXX from my account.
Consumer complaint received 2020-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NJ)

In XX/XX/2020 GC Services, a debt collector, marked my credit as a derogatory account. They bought the debt from XXXX. I had originally disputed the debt of {$140.00} with XXXX through my XXXX XXXX XXXX account, which I had automatic monthly bill payment from XXXX. I won the dispute ... Unscrupulously, XXXX sold my phantom debt account to GC Services. When GC Services marked my credit, naturally, I was damaged and couldn't get a loan and it affected many other things like not being able to get an apartment. 
I then disputed the GC Service derogatory account with the credit bureau and I won the dispute. 
GC Services, knowing the truth now, and having lost the dispute then unscrupulously sold my phantom debt account to XXXX XXXX, who marked my account without notifying me. I disputed the XXXX XXXX  derogatory accounts with the credit bureaus and won those disputes as well ... XXXX XXXX  then sold the debt to XXXX  XXXX  and they marked my accounts with the credit bureaus, and I presently have disputes ... Where does it end?!?! ... This is harassment and all these companies are working with each other!!!
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

An offer letter was submitted, outlining conditions of paying a disputed debt, along with a restricted endorsement on the payment instrument itself. 

Portfolio Recovery Associates processed this payment instrument, without adhering to the accompanying agreement. 

Further attempts to follow-up have been unsuccessful.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WY)

I called in to IQ Data International to report a credit inquiry that I noticed was on my credit report, I just wanted to know why they had inquired on XXXX XXXX, 2015 when I spoke with the XXXXXXXXt lady she stated that they pull every XXXX months to see if the bankruptcy is actually on there even thou they had received my bankruptcy paperwork and that unless I paid the full balance they would keep inquiring on my credit report although they were showing a {$0.00} balance which is also reflected on my credit report. Not felling like this was fair I wanted to speak with a manger to see why this was. They transferred me to a XXXX named XXXX I explained to him that I was not calling to argue I wanted to know why they were still in my credit report after it had been over 1 year since I filed he said that they never received it however my question to him was why if your pulling my credit and it is showing bankruptcy are you still in my credit report he stated because they can pull every XXXX months this still did n't make sense so I asked repeatedly if you know there 's a bankruptcy why are you looking into my credit report at this point I was getting upset so I asked again and he said mam you lost those privileges when you raised your voice so now he is not giving me any information and is mocking me he then was going to give me the address to send the paperwork to but I wanted to know why I needed to send paperwork if they had already noted the bankruptcy. He hung up on me several times and was extremely rude I asked each time to speak with somebody else and they kept transferring me over to XXXX I am assuming its because he noted on my account that I needed to talk to him only. I apologized to him and was trying to be the bigger person and said please can you let me know the address and what you see on your end when you pull credit he refused to tell me and said you seem to know more then me you answer your own question. He was pushing me to the breaking point on purpose. Overall he was very unprofessional, belittling and does not deserve to be working with the public. His profanity and voice tone were unacceptable and hurtful. I have never been through anything like this before. IQ Datas ' staff should be penalized for treating people the way that they do, they are debt collectors they are there to help people not make this feel like XXXX.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (IL)

I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (MD)

A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI
Consumer complaint received 2019-02-24
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: DISCOVER BANK (MI)

I bought a watch on XXXX  that was supposed to look like a XXXX  but with no branding. It was supposed to be two watches. I received the package from some random country in the XXXX XXXX. It contained only ONE ( 1 ) watch, which was a poor, cheap, extremley bad XXXX  branded replica watch. In the listing it stated a model for i guess a replica watch, which if you look up the model name " XXXX XXXX '' you can see it is a very high end, very authentic looking XXXX  branded replica which i did not know til AFTER this whole ordeal. I provided all this proof that i only received one watch, a poor replica, even sent this comparison pictures of the products and discover still went against me. 

ANYONE with two eyes and a brain can see these are NOT the same watches, i was duped, scammed, defrauded, any other word for a scam! These are NOT the same watches, i paid for a XXXX  XXXX, either way i did not knowingly buy a replica watch. I ordered two and received one. 

In the end, i filed a complaint with ebay, they voted in my favor and have the email but they banned me from ebay/paypal and while they told me i was refunded or would be refunded i never was. When i called them they proceeded to tell me they had issue in their system to refund my to my DISCOVER card and they themselves told me to dispute the charge and i would be refunded no problem. 

CLEARLY these is a problem, the seller sent a letter to XXXX saying a " XXXX  XXXX '' is not a replica XXXX  when a simple XXXX search clearly shows it is, as well as the proof ive provided. 

the seller one sent me ONE ( 1 ) watch when i ordered TWO ( 2 ) watches. So even if Discover were  to want to scam me, i should only be charged 50 % of the total amount. 

DISCOVER has been trying to scam me for months, i have provided undisputable proof of the charge not being valid and that i should be refunded in full. I provided email of ebay awarding my refund to my discover that DISCOVER themselves asked for, now they are ignoring it when for months thats what they requested. Now they are attempting to take money from me over a cheap, counterfeit XXXX. I will forward this complaint to XXXX themselves in hopes they take a stand against Discover since they are allowing customers to get scammed by the worst looking replica XXXX  watch on the market, this is {$5.00} watch in a back alley and not the $ 500+ replica i was told i would even get when i did NOT know i was ordering a XXXX replica.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, XXXX, XXXX and Experian. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records