davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Management Services, LP (CA)

Thiis debt collection agency called " capital management services '' .. has been calling me about 3-4 times a day for the past several weeks. I did talk talk to them. i explained that I had had Credit card fraud in late 2013, filed a police report, etc. The lady starts screaming at me.. " YOU OWE US THIS MONEY!! " XXXX as if it is her, that I owe money to. she is completely ballistic so, I have to ask for the supervisor. I camly explain to the supervisor what happend.. credit card/ illegal credit activity.. and ask for him to send me what it is that i charged. he was ok with this. i also faxed them a dispute, which I have proof it went thru. the very next day I am getting harrassed again by this company. a woman says " WE HAVE NOT RECEIVED A FAX FROM YOU AND THERE IS NO RECORD HERE THAT you called yesterday XXXX i am a XXXX XXXX year old woman.. I dont need someone to get my XXXX XXXX up and have a XXXX over incompetant employees in a company. 
whatever i say, They refuse. and misinterpret. " OH!! SO DOES THAT MEAN YOURE NOT GOING TO PAY us?? " ... every single day this week they have called. once, at XXXX. i am glad that they record the calls. I have always had good credit, am college educated, and the last call, the woman was creaming and screaming at me for so long..off on a tangent. I had to put my foot down and say. we are going nowhere with this conversation, and hang up on here.. while she was screaming at the top of her lunggs all this vicious hate towards me. whats sad is that the origibal creditor, XXXX.. had told me they would wait til I paid off my XXXX card. but no, they sent it to one collection agency who just sent me a letter, and then this crazy, awful, unheard of.. agency that has inept psychotic people working for them. grr .. help
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (MS)

I work for a XXXX as a XXXX. Over the past year, colleagues have received messages, ostensibly intended for me, at various numbers throughout the department. The messages are rapidly spoken, and a phone number is left. When I have attempted to contact someone at that number, a representative insists that I confirm my social security number before they will release information. Naturally, I refuse to disclose any personal information until they inform me of the reason for the phone call. The only response I 've been given is that the call is in reference to a " personal business matter ''. I refuse to provide these scammers my personal information and having them contact various colleagues throughout my department is highly embarrassing.
Consumer complaint received 2015-12-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I received a complaint from my mortgage company that the monthly payment for my mortgage loan has not been received for two months and if not received my house will go into foreclosure and i need to submit two payments including late payment fees immediately. I pay online through my credit union and when I check the monies have been deducted from my account on time. So I call the mortgage company and tell them that according to my checking account that they should have the money and their should not be any late fees. The representative tells me that even though my account may have paid the company may not have received the payment on time. I asked if they received the payments and he stated that my account has not been paid yet. So I contact my Credit union who tells me that the issue was handled by a phone call.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

In mid XXXX I submitted a dispute with XXXX to remove this old account from my report because it was closed. 

Hyundai Finance went through my old/closed account & added a XX/XX/XXXX LATE status onto XX/XX/XXXX XXXX XXXX. 

This remains to inaccurate. 

The lease was submitted on time & a car note was never late. The exterior rim of the car occurred some damages & I was told I would be responsible for the cost to repair the damages. 

I made an agreement with Hyundai Finance that we would settle on {$4800.00} & it was paid in XX/XX/XXXX. 

I only made the payment with the confirmation that this would show as current on my credit report & the " lateness '' would be removed immediately. I also asked for a confirmation letter proving the settlement was paid in full & my credit report would reflect that. ( I've provided my letter from the company 4 years ago. )
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (UT)

In XXXX XXXX  XXXX I called Alliant Credit union because I was not getting 2.5 % cash back. I had done and was doing everything the representative told me to get the 2.5 % cash back. In XXXXXXXX XXXX XXXXXXXX noticed I was getting 1.5 and not 2.5. I Called Alliant and they fixed the issue and apologized for not giving me the 2.5 % and credited me the correct amount. I was told at this time I was on 2.5 % cash back and would remain at that cash back rate as long as I followed all the rules. ( have a balance of {$1000.00} make a monthly deposit and have E statements ) I have followed all of these rules ever since the phone call in XXXX but I was placed back on the 1.5 % cash back. I called XX/XX/XXXX to make sure I was still on 2.5 and found out I was on 1.5. The representative told me he could not see a reason I was not on 2.5 and would contact me and let me know the results of their research. Nobody called me and today XX/XX/XXXX I called and was on the phone for around 1 hour trying to have someone explain to me why I am not at 2.5. After several explanations that changed several times I was told it was because I didn't have a balance of {$1000.00} in my account for a few of the months this year. However when I had the representative check my balance he confirmed that I have always had over {$1000.00} balance. He told me he is going to have to do more research and get back to me... .This is what I was told before so I am skeptical anything will come of it and I am afraid this company is cheating me and other customers out of 1 % almost 1/2 the cash back they are promised. In addition to this I have had to spend 15 plus hours on the phone just to try and correct the mistakes Alliant credit union has been making.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (DC)

My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (VA)

XXXX XXXX 2015 : Mortgage loan was issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX 2015 : XXXX sent me a Notification of Assignment, Sale or Transfer of Your Mortgage Loan, saying the servicer of your mortgage loan is CMC funding INC ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FI XXXX ). Transfer effective XXXX/XXXX/2015. 

XXXX XXXX 2015 : XXXX, the XXXX bank sent a letter stating that the XXXX XXXX, 2015 payment should be made to XXXX and XXXX XXXX, 2015 payment to CMC. 

XXXX XXXX 2015 : received XXXX letters from CMC ( conveniently backdated XX/XX/XXXX and XX/XX/XXXX ), the XXXX bank stating that the XXXX XXXX 2015 payment should be made to CMC. This was my first letter from CMC, received 3 days before the alleged due date. 

I called CMC, spoke with XXXX, agent number XXXX, who said the issue will have to be sent to a research specialist, expected return call time XXXX XXXX. I was told I could rely on the " grace period '' under RESPA in the meantime, while they determined where the payment should be made. This is not a satisfactory answer because the CMC bill threatens a late fee of {$52.00}.
Consumer complaint received 2022-07-19
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. (VA)

Experian, XXXX and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has been contacted by me several times by certified mail in regards to their continued illegal reporting of inaccurate information and accounts. TransUnion continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. TranUnion has untruthfully stated that they can not grant my request because it was " illegible '' when in fact they have recieved several " Typed '' corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. TransUnion continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified as accurate and most do not exist. TransUnion continues to seek information from a third party vendor " XXXX '' and report information from this vendor as " acurate '' when in fact this third party vendor has also been asked to " cease and desist '' in sharing unathorized inacurate information about me. Both TransUnion and XXXX are illegally collecting and providing information that was not authrized by me and I am now due remedy for each violation in accordance with debt reporting law.
Consumer complaint received 2022-07-19
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. (VA)

XXXX, XXXX and Transunion is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Solidus Group LLC. (TX)

I received a call from an anonymous number from a person claiming to be a county process server in an attempt to collect a debt that I do n't think exists. I checked the name he gave against our Texas state roster of court appointed process servers, and did not find it. He also claimed that if I did not respond to the phone number he left, that I would be served at home or work the next day, which did not happen.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bliksum, LLC (GA)

I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

i have a transaction on my rushcard of {$140.00} on XXXX XXXX, 2015 that I did not authorize! I was already locked out of my account and could not receive my direct deposit and pay my rt i need my rent, car note or put gas in my car to get to work. I have tried calling to dispute this transaction and ask how could they let this happen? Ive never had this problem before. But I need my money to buy food for my XXXX year old and formula for my XXXX month old and I have to pay my cable bill as well. I do not feel that my funds are safe with rush card. I really need someone to contact me ASAP because my balance is now {$1.00} and I want to know where this transaction came from I am livid! All rushcard services keep doing is hanging up on me and I feel extremely disrespected!
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I opened a checking out with CitiBank on XX/XX/31 after seeing an advertisement on their website for offering {$300.00} to new clients who open an eligible account and deposit at least {$1500.00} in direct or enhanced deposits. I selected the get started link that was located directly below the advertisement after reading the offer details. I completed the required deposits within XXXX  days and called to check on the status of the {$300.00} bonus. I was told that my account did not have the promotional offer applied and there was nothing they could do. The supervisor, XXXX, insinuated that I had failed to follow the correct link for the promotion. I feel very XXXX because I could not have done more on my end and Citibank is refusing to take responsibility of their faulty website.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Betterment LLC (CT)

I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on " diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.
Consumer complaint received 2023-08-17
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2021-02-25
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. (VA)

After reviewing my credit report, I noticed a collection that I previously told XXXX XXXX account number XXXX and Experian was not and is not mines. They then without any other action reported this debt as being mines. A complete violation of both federal and local laws. Before I file a small claims suit against these companies for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent. I have also previously sent both my identity theft documents and affidavit to them.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I have contacted Barclays Aviator Business numerous times and to date I keep being told that the miles will reflect on next billing statement. I am now approaching my fourth billing statement and no rewards yet. I email customer service via the website ( account portal ) and its a complete waist of time they are not helpful or resourceful. I call customer service and they only tell me " next statement '' and giving me the run around. I have met all the requirements needed to earn the XXXX bonus XXXX miles and in addition opened an employee account for an additional XXXX miles and also met the requirements. Barclays Aviator Business owes me XXXX miles. I just can't understand why they take so long to post or process these miles per the terms and conditions.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep concern and dissatisfaction regarding the recent unauthorized reporting of my personal information and transactional history by your agency. This correspondence aims to bring to your attention the serious legal implications associated with this unwarranted intrusion into my financial privacy. 

It has come to my attention that your agency has reported information related to my credit history, including details of late payments ( 30, 60, 90, 120, and 150 days late ), charged-off status, hard inquiries, and false aliases that do not accurately match my credentials. The information in question includes my name, phone number, residential address, and purported employment. '' I must emphasize that no prior written consent has been obtained from either myself or a judge, rendering this act a blatant violation of my rights to privacy. Furthermore, this unauthorized reporting is in direct contravention of Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as various other laws pertaining to fraud, defamation of character, and identity theft. 

This egregious breach of confidentiality not only jeopardizes my financial standing but also exposes me to potential harm and damages. As a consumer, I am entitled to the utmost protection of my personal and financial information, and your agency 's actions have fallen egregiously short of meeting these standards.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XXXX, 2020, I received a collection letter from UNITED COLLECTION LETTER BUREAU , INC, trying to collect on an alleged debt with XXXX XXXXXXXX XXXX XXXXXXXX. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.