davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (LA)

I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave me.
Consumer complaint received 2021-10-02
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. (NJ)

I contacted Transuion about fraud on my credit report and they have done nothing to FIx it even went as far as to have to send them my Police reports and an FTC report about the incidents. there are 2 fraud inquieris on my account one is from XXXX XXXX XXXX XX/XX/2020 and another from XXXX XXXX on XX/XX/2020. when i contact them by mail or phone they refuse to take it down.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alorica Inc. (NE)

I received a call from Global collections XXXX at XXXX at the end of XXXX in regards to trying to reach an XXXX XXXX. I advised the agency that this person was not allowed to have calls at work and I would not be able to take a message. She then became rude with me. I terminated the call. She immediately called back the same number. She then researched my personal info and repeatedly called my personal cell phone and my spouse 's personal cell phone. I called the company back was at first denied the ability to talk to a manager. I then called back and advised that would be filing a complaint and to stop all communications with my numbers including my cell phone and work number. I also advised again that XXXX was not able to have calls at work so they needed to remove the work numbers. On XXXX/XXXX/2016 I received another call from this company at the XXXX. If this is not addressed will be filing suit for harassment.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assistance Corporation dba Revenue Group (FL)

The collection agency " The Revenue Group '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: FirstPoint Collection Resources (NC)

XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. 
Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. 
I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.
Consumer complaint received 2015-08-11
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Law Offices of Robert A. Schuerger Co., LPA (AZ)

On XX/XX/2015 XXXX XXXX of the Robert A Schuerger law offices contacted my employer and revealed sensitive data about student loans debt to them. They told them that they have a program to help me pay the debt and " not to worry and that I did not owe any money ''. I received a call from my employer telling me exactly what she said and My employer told me that they did not represent themselves fully as a debt collector and to report them if they turned out to be. I call XXXX XXXX and she told me there are programs that the government has to vacate the judgment against me and that I would qualify since I worked at a " school ''. I do not work at a school, My company has " tech in the name so she assumed that it was like XXXX XXXX. After trying to convince me to sign up for some of these programs for about 5 minutes and me asking for more information like the case number etc. I asked point blank, Is this a debt collection, and she said " No I am trying to do you a favor '' I then asked if she had contacted my place of work in order to contact me about a debt and she said no and that she gave them no details. I asked her how I was aware of all of the details of why she called there if she had not discussed my debt. After several minutes of asking " did you contact my place of business to collect a debt? '' " and is this an attempt to collect a debt? '' she became very angry and said " This is an atempt to collect a debt and all information gathered will be used for that purpose '' and she also added that I was being recorded. I asked if she is required to inform my of the attempt and the recording at the beginning of the conversation or at the end and she would not stop yelling or let me speak and then hung up on me right after I informed her I would be reporting this incident. They have the call on tape and everything I said can be proven. She did not have permission to contact my employer via phone or to record me and not inform me of her motives in making the call in the first place.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

Hello my name is XXXX XXXX. I am writing on behalf of my situation with PNC in XXXX XXXX FL ( XXXX XXXX XXXX XXXX ). They are holding my funds from me for no logical reason. On the XXXX of XXXX I deposited a check given to me by a customer who bought a painting from me. PNC said they were going to hold the check until the XXXX. On the XXXX if XXXX they took the check from my account and said it was not legitimate. On the XXXX they locked me out of my account and access to my funds due to fraud alert. I went to the branch and they said my account was shut down and they would mail me the remaining funds in my account in 7-10 days. It has been 21 days. After calling every week and talking to 3 different people all telling me they cant help me, today I had a scheduled appointment with a branch member. They made me drive to the bank just to tell me the same thing theyve been telling me on the phone for weeks. They said they have no idea when Ill get my money and its out of there hands. I was late on rent because my funds are being held for something that isnt my fault and my landlord charged me an extra {$200.00} for being late. How was I to know the check given to me from a customer was fraudulent!? I have {$480.00} remaining in that account that I have zero access to and 6 different people have told me its out of their hands and they have no idea when Ill get it.
Consumer complaint received 2015-04-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Concord Resolution Inc (Closed) (NH)

I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a complaint with Capital One, but they were hesitant about assisting me because the Consumer finance account was in both my husband and I name, but when submitted, it only showed my husband name. When I spoke to a representative from Capital One and advised of the issues that were going on with my account, how Capital One closed my account and continues to charge me, they labeled one of my accounts fraud ( which it is not ), how I have loss income and they are refusing to work with me. I enrolled in a debt management plan and seems that Capital One is not willing to work with consumers that have financial hardships. The debt management plan is XXXX XXXX XXXX. Well, today XX/XX/16, I received a packet from Capital One advising they credited the account of fees, which I think they should have. How does a credit card company close your account and continue to charge you past due fees when you dont pay on time. The purpose of enrolling in a debt management plan is because I have a decrease in my finances. Capital One does not want to work with outside debt management financial institutions because they want to continue to gain the BILLIONS of dollars in interest they gain from consumers who can't afford it. They should not the interest rates are extremely high and they should offer some help. As I waited for someone to contact me back, AGAIN I keep getting past due fees. How is this fair to the consumer? When an account is closed, the account is closed and there should be no more fees added. Capital One continues to purposely add fees to closed accounts which should be against the law and is not fair to the consumers. And by the way, I have gain {$39.00} ( PAST DUE FEES ) ON CLOSED ACCOUNTS, 3x 's while waiting for Capital One to call me. I wonder how many African Americans does Capital One do this to, closing a customer account, continuing to add fees to a closed account, and refusing to work with the customer on debt management. I am beginning to think this issue only affects a certain type of group. I have heard others of my ethnic group advise that they have gone through this same issue with Capital One. Sounds like this is UNFAIR PRACTICES AND TREATMENTS toward a specific ethnic group. I need to speak to someone in the corporate office AGAIN immediately. Accounts are ending XXXX, XXXX, and XXXX
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

My mortgage has changed hands several times over the duration of the 23 years I have been paying. The original amount financed was {$84000.00} at an rate of 7.5 percent. I just made payment number 283. According to a 30-year loan amortization schedule, normally the loan balance should be {$36000.00}. In my case as was stated by the mortgage institution the outstanding balance is in excess of {$40000.00}. Of course anyone can see what the problem is here.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

I have not even been able to begin to pay my loans back due to financial hardship & even when I address these issues with the company, they refuse to assist me, continue to tack on more and more interest, and raise my amounts to much higher than I would be able to pay back. I would literally have to spend the rest of my life paying them and then the debt would probably fall on my children. There is no reason why I should have to be punished for wanting a higher education to improve my chances in the workforce to have this company demand exuberant amounts of money that I ca n't even afford. I should n't have to choose between taking care of my home and student loans.
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (CA)

On  XXXX   XXXX ,    2017  I submitted an application for " Closed School Discharge '' and an application for " Attestation for  XXXX   XXXX   XXXX   Students Application  for  XXXX   XXXX  to Repayment Loan Discharge '' via certified mail. In the  XXXX  to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On  XXXX   XXXX ,    2017  I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by  XXXX , and now feel misled by the Department of Education.
Consumer complaint received 2020-10-16
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)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and Experian HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (GA)

The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I closed my High Yield Savings Account at PNC Bank since I had two identical or very similar accounts and the FDIC insurance would not have covered both of them individually. 

I closed the account on XXXX/XXXX/2023 - XXXX 

I asked PNC to transfer the proceeds to my other Savings Account within PNC. 

They closed the account and ate up my accrued and unpaid interest. 

I asked them yesterday ( XXXX/XXXX/2023 ) as well as today ( XX/XX/2023 ) to pay my accrued interested and they said they will just forfeit it. 

It was hundreds of dollars in interest that they just ate up and never informed me about it while closing the account.
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Legal Recovery Law Offices, Inc (CA)

After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and Transunion has XX/XX/XXXX and XXXX HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX