davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (KY)

I recieved an alert today that a collection was on my credit report. I looked and midland financial placed a collection in the amount of {$2800.00} on my report with a open date of XXXX/XXXX/2015 and a balance date of XXXX/XXXX/2015. I have no idea what this is for nor have i ever had any business relationship with midland financial. It has a account number of XXXX. They are required by the FDCPA to send out a dunning letter for any debts they say I owe so I can dispute them if they arent mine. I have never received any correspondence from them. Midland and there parent company XXXX/XXXX where just fined by the cfrpb for collection practices just like this. I want proof that this debt is mine with a signed contract and how I owe this amount. I also want proof that they have the right to collect on this debt and that they have a current business relationship with the original creditor. I will file a complaint with the the AG as well if this is not removed from my report immediately because they have completely disregarded the laws of how they are suppose to collect a debt and have given me no proof or a chance to dispute it.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one credit card is garbage, countless flagrant complaints, how or why there in business is also suspect. I have there generic credit card thru walmart, measly {$300.00} credit limit, the 1st malignant problem, they purposely block me from paying off the balance, 2nd, today there idiotic robot purposely blocks you and refuses to recognize you on every number I called today? This is intentional, even there mismanaged headquarters in virginia? WHY is that?! # Another sloppy run bank run by XXXX  and activists, like in XXXXXXXX XXXX XXXX  # Nobody accountable to talk to, hiding from there customers, this opprobrious malignant behavior is normal to them apparently, obviously dont give a XXXX about there customers
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (TX)

In XXXX Amerihome failed to pay my property taxes, which they are legally required to do. After contacting the county to ensure that nothing else had changed with the property description, the mortgage company ( Amerihome ) paid the taxes out of my escrow account in calendar year XXXX. Then in calendar year XXXX they paid my XXXX property taxes. Flash forward to XXXX, they are telling me that my escrow account is short because I will owe {$21000.00} in taxes this year based on what was paid in XXXX. The only reason {$21000.00} was paid in XXXX was due wholly in part to Amerihome failing to pay the XXXX taxes in calendar year XXXX and they paid them in XXXX. My taxes have actually gone down due to Texas legislation that increased a homestead exemption from $ XXXX to $ XXXX. I have submitted county tax forms to show what the XXXX amounts will be and they are still telling me that my payment for XXXX will be {$1000.00} more due to an escrow shortage due to their error. I have never dealt with a mortgage company that was this inept. I need some help with this please.
Consumer complaint received 2020-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

Unfortunately, I was not aware of the insurance debt until I inquired about refinancing my mortgage. I have not been contacted by the company or a debt collector. My understanding was my debt was paid in full as I was on the automatic draft payments. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the company and have this debt removed to correct my credit score.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MN)

It took many, many attempts to find out how much our daughter owed on her student loan that was first issued through XXXX XXXX and then was sold to Navient. I as her father co-signed on the loan. They absolutely would not give us the payout amount. We finally had to have a three way conversation with the Navient rep, our daughter and us to get them to give us the pay off amount. Once that finally happened we paid it off as the interest rate was so high and we were able to refinance through our own bank at a much lower interest rate. We paid them what was quoted as the payoff thinking we were done with them. The next month they sent us another statement taking that payoff amount and stretching it out over two or three years worth of payments and said we still owed over {$700.00} dollars on top of that. We could n't get any answers so we then talked to a " supervisor '' who said it must have been a mistake and had no other explanation. We had to then go take out more money to finally be done with them. Navient was dishonest, thieving liars!! A terrible experience.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

I can not access any of my Ally accounts. I am repeatedly prompted to agree to various terms and conditions after logging in which ends in an error. Ally has been aware of the issue for many months. I am told over and over that my issue is going to be escalated to technical support with no timeframe on resolution. Multiple times now, Ally has stated that they determined I can access my accounts which is not true. Ally fails to communicate whenever it makes these false determinations leaving me waiting for a resolution that no one is working on. I have had no way of managing my accounts for over 6 months now. Ally keeps closing CFPB complaints without any resolution. I have no evidence to suggest that anyone is actually working to solve my issue. Ally 's lack of progress, communication, or concern is bordering on intentional malice.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Residential Title & Escrow Co (MD)

The XXXX used by the XXXX has not recorded the Deed, resulting to show the Builder as current owner. I contacted XXXX. ( XXXX XXXX ) and they have sent the outstanding property tax monies to my county. The XXXX Co has yet to file for recordation and I have been in the residence since XX/XX/2016 There is also erroneous information on the settlement statement showing monies given for XXXX ( Fee to XXXX ), when this is an FHA loan, and I pay PMI.
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (VA)

Discover Bank sent me a {$75.00} check as part of the settlement they reached regarding student loans. I deposited the check into my bank account electronically only to learn that Discover Bank had stopped payment on the check they sent me. I incurred a {$5.00} returned item fee due to a check that Discover Bank either ( 1 ) made in bad faith, or ( 2 ) should not have sent me in the first place.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I XXXX  from college in XXXX. I consolidated ALL my student loans and aid them off in XXXX. Just this year, 30 years later, a student loan servicer sent me a notice informing me that I need to start making payments on my loans. In the 30 years since they claim I took out these loans, I have never heard of them, and the Department of Education handled the consolidation process, so it's unlikely I have a 30 year old federal loan that they just happened to find all of a sudden. 

I immediately disputed the loans, and asked for verification and validation documentation three times via certified mail. Over the past three months, they have ignored my requests. They have listed these loans on all my credit reports, and report that I have been making payments, which is NOT true. I've never made a single payment. Given the age of these magically discovered loans and the fact that they refuse to provide any documentation, I am forced to assume that these accounts are in error or that there has been some kind of fraud ( e.g. identify theft ). But now they are threatening to destroy my credit rating ( which is nearly perfect - this morning XXXX rates me XXXX ) if I don't start making payments. And as I understand the law, if I do start making payments, it is an implicit acceptance of the debt. 

I can't get them to engage with me, and I don't see a way to resolve this before they kill my credit rating. I consulted with a lawyer, and was advised that their services would likely cost as much as or more than the loans themselves. I find these tactics unprofessional and irresponsible, not to mention illegal. I need help forcing them to respond so that I can resolve this.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

According to the Fair credit reporting Act, I have the right to a completely accurate report, and the bureaus are required to remove any information that is not true, verifiable and inaccurate. My letters were sent 120 days ago and to date they have not deleted the unverifiable information. 

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX failed to provide a debt validation letter. Therefore, I have no knowledge of this debt or have any relationship with this business. Per FCRA 605B, it is illegal to report information on my credit report without my permission. Further, this account is reporting this collection with an " open '' status. This is inaccurate and therefore this must be removed from my report immediately. 

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

On today Monday XX/XX/XXXX I got a voicemail stating that I was denied credit at this company by the name of One Financial! I applied for the loan on Friday of last week and talked to a lady names XXXX that assured me that an approval was in place! I never heard the word Debt ratio until today when I called and she said I didnt make enough money! First of all I bring home more than they say I bring home and provided my check stub with proof! This company have been sending me notices after notices begging me to apply for a loan that I had been preapproved for! I am so disappointed and hurt I will never recommend anyone to apply for this company! The lady XXXX mislead me and Im not gon na stop reporting this company! This company is very misleading people!
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

On XXXX XX/XX/XXXX my loan servicer ( MOHELA ) informed me that the US Dept. of Education approved IDR loan forgiveness for all payments made since XX/XX/XXXX. The total amount of these payments is {$76000.00}. 

On XXXX XX/XX/XXXX I received an ACH transfer to my bank account for {$5000.00}, and on XXXX XX/XX/XXXX I received a US Treasury check for {$8100.00}. That is all I received, leaving {$62000.00} that is still owed me. 

Since XX/XX/XXXX I have called MOHELA 2-3 times per month asking for an update ; on XXXX XX/XX/XXXX my case was " escalated '' to their Resolutions department. Despite that, I have had no outreach from them and every call to them yields no new information. 

I need them to take a look at this account, process the refund, and inform me.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. ()

My mother passed away XX/XX/23. I am the sole executor of her deceased estate. I rang the PNC Bank XX/XX/23 to find out what I needed to do to close her account and transfer the money to her deceased estate account with the XXXXXXXX XXXX XXXX  XXXX. They advised I needed to send them a letter, which I did on XX/XX/23. I registered the letter with XXXX XXXX. The PNC denied receiving the letter, So I tracked the letter with XXXX XXXX and was advised that it had been delivered. 

On XX/XX/23 I rang PNC again and was advised that I needed to resend the documents as they had not received them. The person I spoke to asked me to ring back in XXXX weeks to follow up. I did resend the documents the next day, XX/XX/23. 

On XX/XX/23 I rang to follow up and spoke to XXXX, a supervisor. She told me that the documents had not been received and that the Executive Client Relationship Team would be in touch with me within 24hrs. I never heard from them. 

I'm following up with XXXX XXXX about the delivery of the documents and should have an answer in a few days.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I went to use XXXX XXXX  on XX/XX/XXXX to send my boyfriend {$630.00} dollars for my car payment. XXXX XXXX  said it didn't work, so I tried again, XXXX dollars to XXXX XXXX XXXX, and it once again said it didn't work. Chime sent the amount twice. My boyfriend never received the money. I contacted XXXX and they looked into the issue and said they declined the payment. I then contacted Chime to dispute the problem on XX/XX/XXXX and they said the money sent with no problem, which isn't true, my boyfriend never received it. Today is XX/XX/XXXX and Chime is still holding my money, a total of {$1200.00} because they took XXXX out twice and are saying it might take till XX/XX/XXXX to fix the problem. It's unacceptable that they won't give me money back that was never sent anywhere to begin with.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with Experian and XXXX. Experian has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from Experian stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and Experian ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Consumer complaint received 2024-03-19
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. (NJ)

I was a victim of identity theft and fraud due to a data breach with equafax. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the account that are causing me n my family great stress and anguish on my XXXX and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is XXXX and XXXX job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was a victim of identity theft and fraud due to a data breach with XXXX. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the account that are causing me n my family great stress and anguish on my XXXX and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is XXXX and Transunion job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation XXXX
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom it may concern, On XX/XX/2019 my entire wallet was stolen, including my credit cards, IDs, and money. Two purchases were made that were fraudulent. These purchases include one to XXXX XXXX for {$48.00} and one to XXXX for {$160.00}. I have contacted the Bank already and have filed a fraud dispute with them and the charges are still pending due to the fact that they were fraudulent. In addition, I was told by XXXX XXXX a charge was made to XXXX XXXX XXXX XXXX for over {$500.00}. This purchase has not appeared on my statement or on my credit report. However, the two purchases for Bank of America have been posted to my credit report, yet are still pending on my credit card statement.
Consumer complaint received 2024-03-12
Product: Credit 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: CITIBANK, N.A. (VT)

My Citi bank card had some fraudulent charges on it from XX/XX/2023 to XX/XX/2023 charges XXXX charges ranging from XXXX to XXXX to a vendor ( XXXX XXXX ). However, the company is telling me that the chip was present at the time of purchase, so they do not feel that it is a fraud claim. The vendor is listed as from XXXX XXXX CA. a place I have never been. Four of the five claims have been denied, however the fifth was covered because it had happened after I reported the charges and was issued a new card. it was charged from the same vendor oddly enough, so they canceled my new card and sent me a third. I have Called several times to have this issue resolved and am frankly sick of the run around. anyone with access to my account and common sense can see there is a clear problem however Citi has made me feel powerless to resolve on my own or within their claims center.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company (NJ)

This company contacted again someone I know that is not related about debt that I supposedly owe and if they had information about me and if that they could contact them. This is their second attempt at doing this. I filed a previous complaint about this company back in XX/XX/2023. They need to stop these communication tactics which is illegal. And its the same person XXXX XXXX. They are calling people that I dont even associate with.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.