davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Payments Check Services, Inc. (MI)

Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Open Late Dates XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

My mortgage company, Citizens Bank, has removed all options to speak to a person through their customer service phone line. There is no opportunity even to hold to speak to someone, you are only able to schedule a 2 hour window on a day in the future for them to call back. Recently, I needed to speak to them about their misapplication of a principal payment, and when I received a call back two days later, the connection was sporadic on their side and eventually I was cut off before finishing the conversation and no one called me back to finish the call. So, now the only way I can finish the discussion is to get back on the schedule for another 2 hour window when I have to sit by the phone to make sure I dont miss it. I work a full time job and cant be certain Ill be available for the entire 120 minutes of this ridiculous process. I should be able to call and speak to a person regarding my mortgage on my own schedule, not theirs.
Consumer complaint received 2019-10-27
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. (NC)

Hello TRANSUNION CRA : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX  security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I've disputed this account multiple times with both the credit bureaus and Transworld Systems Inc, and I have never received anything in the mail in reference to this account. I can't verify, or dispute this debt. That is a violation of the FDCPA. Please help me!
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credence Resource Management, LLC (TX)

We closed out our XXXX phone bill and paid them in full On XX/XX/2020. However received a bill on XX/XX/XXXX called XXXX to confirm and told us we didnt owe anything and they are applying credits to accounts for over paying. XX/XX/XXXX credence called my work phone and it was there first attempt and I asked why did they call my work number and I dont owe anything to XXXX and I have confirmation. They harassed me and told me me I do owe them and it was sent to them today and I need to pay it. Called XXXX  back and they told me to pay them and they give me the credit back and so I did. I think this is wrong I have never had a collector call me to owe money and call me at work. It was embarrassing and even though it wasnt my fault and I think this was wrong and very unprofessional Account number Credence Resource Management # XXXX XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I paid a medical bill due to XXXX XXXX XXXX in the amount of {$3000.00} in full on XX/XX/XXXX. I received a phone call in the end of XX/XX/XXXX from a debt collector from Harris & Harris , LTD about this amount being owed. I informed them that I had paid the bill in full and they indicated they would confirm that is was paid and take care of it. I heard nothing else, no letters, no phone calls, nothing until XX/XX/XXXX when I received a settlement letter from Harris & Harris LTD for this bill that was never paid. I immediately called and informed them that I had paid in full. The debt collector stated that they saw my response in the notes but it was never removed and they had reported to the credit agencies this debt was outstanding. I immediately sent them an email correspondence and letter stating that it was paid in full. I have sent them additional correspondence and not heard anything for over 15 days.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX signed up for automatic payments on XXXX XXXX, XXXX, to have the minimum amount due paid by the monthly billing statement due date to be taken from his checking accounts. Boa dishonors this promise. XXXX sought compel boa to honor this automatic deduction or forfeit fee.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc. (MI)

On XX/XX/year> I received a merchandise refund in the amount of {$140.00} which was refunded to the credit card that I originally used to make the purchase. The credit card company, Tomo Credit, has disabled the use of their credit cards however, and I am unable to spend my merchandise refund money and I am also unable to transfer the balance to my bank account. I've contacted Tomo Credit about this issue multiple times through email, submitted a help ticket on their website, and called their customer service line and still have not received a response from the company.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAYPOINT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vargo & Janson PC (CO)

In XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX XXXX XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from XXXX to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XXXX to beginning XXXX then I was at XXXX XXXX XXXX of XXXX XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WI)

I stayed at XXXX XXXX by XXXX XXXX XXXX where I checked in on XX/XX/year> and checked out on XX/XX/year>. When I checked in they charged my personal debit card, and on checkout I requested a receipt however the receipt showed my company credit card numbers. 

I further reached out to XXXX in attempt to resolve this, I spoke to customer service and was escalated to the manager of the hotel. The manager said he could not see any transaction involving my debit card, or he would refund me. He stated he only saw the funds that were withdrew from my works credit card. He sent me an email to assist in a dispute with my bank against XXXX so I could be returned the funds. In the email he states that the confirmation number for my hotel stay was settled with my work credit card ending in XXXX and that no funds are needed from the card ending in XXXX. 

I then took this to my bank ( Chime ) and filed a dispute. They intially refunded my money, however when the investigation finished they found nothing was at fault and took the money back from my checking account. 

I then re-opened the case again, and it was closed the very next day stating no wrongdoing occurred. 

I opened the case a 3rd time and again it was closed 2 days later saying no wrong doing was done and they also did an investigation on their internal systems and found there was no error. 

In the 3rd email specifically, I created a document and uploaded it to my bank, explaining that the confirmation number XXXX is what I stayed at the hotel under, I show the receipt that shows the payment for the confirmation number was made by the card ending in XXXX. And further explained that my card ending in XXXX was also charged for this hotel stay. I more or less spelled out the situation for them. I find it absolutely out of this world that I have filed this claim 3 times now and it has not been resolved in 6 months. This is extremely upsetting as I'm out {$400.00}. 

I'm upset both with the XXXX XXXX, and with chime. XXXX has nothing on file that shows they ever even charged my debit card. And Chime looking in to this even with the proof I've given them state that there is no error. 

This hotel stay was billed to both cards ending in XXXX and XXXX. I find this to be extremely unfair and do not know what options I have to pursue my {$400.00}. I do however have children and a family and that {$400.00} would help me a lot. I will not quit trying to get my money back and am hoping for justice somewhere, somehow.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This case involves my original creditor XXXX XXXX XXXX and my collector Midland Credit Management. Over a year ago after checking my credit report I have noticed that I had unauthorized charges on my credit card, which as I found out was a result of a credit card theft from my mailbox. I have contacted my creditor about that and they said they would close an account for me. After that, the balance was taken off my credit report. 

One month ago I was notified by my collector that I owe them {$870.00}. I have filed a dispute but they came back at me claiming that I still owe them this amount. On a statement provided by a collector, the charge-off happened on XX/XX/2019
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (NC)

Hello Equifax : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior Equifax security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Consumer complaint received 2021-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AK)

I have payments made on my account that should count towards student loan forgiveness under the XXXX program. Those payments are payments for the subsidized and unsubsidized loans for payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct the information on the account and include these as eligible payments under XXXX
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (LA)

On XX/XX/XXXX I received a lettter for a bill through a collection agency from XXXX XXXX XXXX in the amount that I do not owe. I called the representative from the agency on XX/XX/XXXX to dispute the charges. However, I did not get any help.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (CA)

Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.
Consumer complaint received 2020-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

The Chime Bank account they say I have was overdrawn and i never had one the only account i have is a XXXX XXXX That you can get and load at a XXXX. 
THIS WAS OPENED DUE TO A DATA BREACH OF MY INFORMATION FROM ETHER XXXX
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES (IN)

ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (SC)

I opened a SoFi checking/savings account and set up a direct deposit using the forms provided by SoFi. My payday came and went, and no direct deposit. I attempted to contact SoFi but the company is run solely by XXXX XXXX. Finally after scouring through the FAQs I found my answer as to why no direct deposit.

Well my employer timely sent the funds as instructed, again, using the forms provided by SoFi, but SoFi stated in an answer to a FAQ that the funds will not be available for 1-2 pay periods - XXXX XXXX XXXX 

Nowhere in the 'fine print ' does SoFi advise customers that they will be holding your money hostage for anywhere from two to ten weeks. I am glad I only had {$100.00} sent to SoFi otherwise I would not be able to pay my mortgage and other bills for two to ten weeks. How can this even be legal?!?!

I do not have time to wait for the Class Action law suit, I am just hoping that I can get my money back, as I have been reading that SoFi will let you close your accounts but they won't return the balance of the account to you - XXXX XXXX... this is NOT XXXX!
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc. (SD)

I checked my Experian credit report last week and noticed that my score dropped from XXXX to XXXX. My score was XXXX in XX/XX/2018. I contacted Experian and all they could tell me was that they are using a new system to compute scores. There is also no new derogatory information on my report. It is VERY UNFAIR to a consumer who has worked hard to get their credit score higher just to have it lowered by the company that does the reporting. I even pay for credit monitoring services monthly. I tried calling Experian today and all they did was try to transfer me to a different department and then that department hung up on me. I never got a chance to talk to someone and its always the same, I get transferred from department to department.
Consumer complaint received 2016-11-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Thank you for your time and convince. GM financial has made my credit a nightmare of a situation. I have been denied loans, food opportunities, working capital etc. due to gm negligence of reporting inaccurate information of two deliquent late payments to all credit bureaus. I have never missed a payment to this date. XXXX and XXXX payments were made in one bulk payment via money gram to GM financial. 

My family new truck was held at XXXXXXXX XXXX  of XXXX ( XXXX XXXX, FL ) dealership for nearly two months during this supposedly occurrence of late payments. 
XXXX XXXX XXXX also compensated us these troubles. 


please fix this issue, thank you for your time,
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CO)

I have repeatedly received phone calls from a company claiming to collect debt owed by me to a school i attended. To the best of my knowledge i do not owe the school. 

Their claims about the said debt keeps changing. 

I have not received any written communication about the debt to which i can properly respond. 

The phone calls apart from being distressing offer woefully inadequate information about the debt e.g what service exactly i owe for and to whom specifically i owe.