davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to do this?
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXXXXXX decided last XX/XX/XXXX, to suspend my account ( even though they owe me money for back pay ) because I receive additional income of about XXXX XXXX dollars a month and they were trying to allege I owed them money for overpayments. So for the last two months Ive been going back and forth with them and they delayed my usual monthly deposit until XX/XX/XXXX. 
So about four of my scheduled ach transfer bounced. My bank, Wells Fargo is charging me like four or five hundred in fees and I never agreed to pay for the overdraft protection plus they claim that after the third or fourth overdraft they simply reject the automatic debits or electronic checks or whatever. I have problems with them because they have mismanaged my accounts many, many times before. Double charges to them causing the overdrafts by them double charging or repeating the same debit twice. Im constantly looking to see every month what they did. Id like them to credit my money back so I can change banks. 

Thank you XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Endpoint Resolution Services (ERS) (NY)

I received a Phone Call from Endpoint resolution stating that they are representing for XXXX, And that I had to Pay them immediately! I have tried to have them to send Me a letter to verify if they are legitimate. I have been getting repeated harassing Phone Calls from various locations. And Today when I called to ask For a Letter, The person who has Been calling me threaten me and was very Rude, had said if I did n't Pay by XXXX Friday XX/XX/2016 they were going to take me to Small Claims Court.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NC)

I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (NE)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number XXXX XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 8. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX
Consumer complaint received 2016-01-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (OH)

XX/XX/21 several companies including roadie, XXXX, XXXX, XXXX, ran a background check via checkr an I was denied employment. I contacted each company an explained that checkr does not have my written consent to store my credentials.
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C. (PA)

XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.
Consumer complaint received 2017-04-29
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: Credit Protection Association, L.P. (TX)

While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC. (VA)

On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

hello my name is XXXX XXXX, and I was aggressively and thoughtlessly coerced into buying a car I did n't want and could not afford. on the date of XXXX XXXX XXXX I was just walking around and browsing at cars I had come across a little bit of money from a family lawsuit and I decided just to look around I was and currently still in a homeless situation. I asked the Nissan dealer about a used car that was outside and he said used cars are no good to just come in someone will help you. but I said I was interested in just some information on the used XXXX bmw convertible, but he insisted on making me come in. a dealer by the name of XXXX XXXX XXXX started to show me new cars in the showroom and insisted a new car was agood and better idea. I told him that it was n't because I was homeless and on a limited income of social security of XXXX a month and XXXX a month on foodstamps that I could not afford the car. he asked me how much I had avalible I said XXXX he said great I will make it affortable for you he said just put down XXXX down and your social security will cover the lowest payments on the car for XXXX a month. i did n't have any idea how to buy a car or what the options were of how much to put down and i was not prepared with any information and i had no idea about the difference between lease and finance plus a very important fact i did not even want this car at all. i told XXXX that i was not interested in the car he said do n't worry you should take it cause its new and safe.this is the Nissan dealership on XXXX XXXX, XXXX XXXX and XXXX XXXX, i became very very stressed out that he was not paying attention to my wishes and or being proffesionally thoughtful towards me at all that i started to cry and i wanted to break my hands so i would n't sign the papers. i kept telling him i am homeless and without work and without any supportive income for a high purchase and an unwanted purchase and it was the first time i was even buying a car. then when the finance manager told me to come in his office they were making fun of me saying oh mrs. XXXX XXXX is going to be living in her car and they kept making fun of me. while they were telling me to sign the papers and at this point the store hours were closed and they kept me in the store after store hours. About two months later the car got reposed and taken to XXXX then i had to go get it back and i did. then 4 months after that it got reposed again and i have never seen the car since. i called Nissan cooperation to find out what happen to the car and it was sold for XXXX dollars and then they mailed me a bill to pay off the rest for 9000.00 before this happened XXXX XXXX said i can give the car to my wife and she can take the car off your hands pay the payments but you pay the insurance till you get yourself off your feet. i thought that was very unfair. when i tried to return the car the Nissan dealership called the cops on me and said if you do n't come back and get your car we will arrest you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to Equifax on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.
Consumer complaint received 2022-02-12
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. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (FL)

I am sending this letter to you in response to a notice I received on my credit report by your debt collection agency ( as defined by on 15 USC 1692a ( 6 ) ) on XX/XX/2017. Be advised, this is not a refusal to pay, but a notice and Consumer Consent Enforcement Order sent based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) ( 4 ) that your claim is disputed and applicable Federal Consumer Protection Laws This is a request for VALIDATION ( to establish legitimacy ) AND VERIFICATION ( sworn and attest to the authenticity of the alleged debt ). I demand that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following sworn to and under oath : Provide authenticated loan level documentation from alleged credit Date you purchased the alleged debt and the amount you paid for said debt ( unjust enrichment is prohibited ) Appointment contract to represent alleged original creditor ( affiliate, under corporate control ) The original date of Charge Off ( cancellation of the alleged debt through write off on tax filing, canceling my alleged obligation ) Provide a judgment order against me for this alleged account you are attempting to collect Provide me with your company 's insurance/bond information to assess my future claims Prove that the Statue of Limitation has not expired on this account Show me that you are Licensed to collect in my state, and Provide me your License numbers and Registered Agent
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a shared account with my wife at Bank of America. Bank of America closed my account because my wife 's identity proof was out of date. I got a check with all the balance in my account. This also XXXX all auto-payments I had set up to pay for my credit cards with Bank of America. I went back to the bank and reopened my account, but forgot to set up auto payments which had gotten XXXX. This resulted in late payments on my credit card which has negatively impacted my credit score. My credit scores dropped by more than 50 points. 

XX/XX/XXXX - I got a letter from Bank of America saying my wife 's identity proof with the bank was out of date. I didn't open the letter assuming it was a regular marketing mail. 
XX/XX/XXXX - Bank of America closed my account and sent me a mail with a cheque for the balance in my account. 
XX/XX/XXXX - I reopened my account with Bank of America, but forgot to set up auto-pay. 
XX/XX/XXXX - I realized my credit score was impacted due to late payment. I called Bank of America and pointed out that the late payment was due to disruption with auto-payment due to my account being closed and opened again. 

My credit score has not gotten back to the previous levels yet.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NC)

Received a Settlement Offer. I responded to accept the offer. I sent my credit card information to take the settlement offer. However they never updated my credit report to reflect Paid in Full as indicated in the settlement offer..
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company (CA)

I was looking at my credit report and noticed a collections penalty on my report. It was from Focus Receivables Management who said I owe XXXX XXXX XXXX {$700.00}. This was blatantly untrue and I 've never owed XXXX XXXX any money. In fact, I 'm currently using them with a balance of {$0.00} owed on my account. 

I called Focus Receivables to fix this problem and they said the debt was for an address that I 've never even lived in. So I explained how this could n't even be me and how it was likely a case of identity theft and they did n't believe me! I asked them, what do you need from me to prove that that 's not me and they just told me that I need to talk to XXXX XXXX. The woman I was talking to actually said that she did n't believe me and had literally never even heard of the concept of identity theft. No help whatsoever. 

I call XXXX XXXX and they say that I have to talk to Focus Receivables and there 's nothing they can do on their end since the collection was already filed. 

I know there 's a process for removing false collections due to identity theft and Focus Receivables pretended to not know and thus always have a collection out on me and hurt my credit score. They need to fix this immediately.
Consumer complaint received 2016-04-22
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.