davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc. (SC)

I may have received calls earlier than this but I 'll start when I first made a note. 

On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. 

On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (IN)

Hello, On XX/XX/XXXX, I asked Robinhood to dispute two unauthorized transactions on my checking account for which I have a debit card ( Robinhood Cash Card ). Robinhood partners with XXXX XXXX XXXX to create checking accounts for its customers ( Robinhood Spending Account ) and then connects it to a debit card issued by XXXX XXXX  ( Robinhood Cash Card ). I did not hear anything back from Robinhood for several days, and my Cash Card remained active and so I followed up on XX/XX/XXXX via support chat and told the agent that I did not receive any communication about my dispute. The agent said that they would respond in 2 days time with an update. It is now XX/XX/XXXX, and I still received no update ( and my Cash Card was still active as of this morning ) so this morning I contacted support again and told them that I would be filing a complaint with CFPB if they refuse to take any action on the dispute. Approximately 2 hours after the conversation this morning, Robinhood sent me a questionnaire to complete via email which I planned to do this evening. I have money on my account and attempted to use my card this afternoon to pay for a medical appointment. My card was declined even though there is sufficient balance. I then received an email stating that my account had been restricted- which given the timing described above, I believe this is retaliation for telling them that I would file a CFPB complaint earlier today. I contacted support again immediately and explained that my card was in my possession and I needed to urgently use my remaining funds ( I.e. {$49.00} ) to pay for my doctors visit. The agent told me that another team at the company would contact me sometime over email to let me know how I can unrestrict my account. Effectively, theyve taken complete control of my remaining balance without notifying me in advance and refuse to let me take the necessary steps to unrestrict my account to pay for a medical appointment. Its worth noting that I have direct deposit set up with Robinhood and this past month have deposited over {$12000.00} to my account. Robinhood locking my balance of {$49.00} only after I said I would file a complaint is clearly not in the letter of the spirit of consumer financial protection laws.
Consumer complaint received 2021-11-18
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. (OH)

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -DEPT OF EDXXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX  # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (WA)

I bought a bed through the Mattress Firm under XXXXXXXX XXXX XXXX through Synchrony Bank. The Bed and frame were sold under a promotion making the first few months a very low dollar payment of {$10.00} per month. Then when the promotion ended my payment was to be increased to {$100.00} per month until the bed was paid in full. I signed up for paper billing so that I had a billing record outside of my bank account listing the transactions for this bill. In XXXX I thought my payment period for the higher payment started but when I received the bill it said it was still {$10.00}, so I paid it accordingly. When the following month came and I went to pay the bill it was well over {$680.00}!!! This made no sense to me so when I called to pay the bill and explained to them what was going on, they only partially admitted to the error. They stated they would correct it and instructed me to wait until the upcoming Tuesday to make my monthly payment so their system could process the corrections. I did so and upon doing so everything they said they were doing was reversed and they continued to tack on large fees to my monthly payment and account. I prayed it was just an error because they assured me that would resolve the situation. The next thing I know they started calling and texting me harassing me day and night, as if I hadn't been upright with my obligation to them. I called back again before I paid the bill for the month as usual and immediately requested a supervisor who was giving me the run around stating all they could do was process a ticket for review, this was not a satisfactory solution as the attacked my credit score and dropped my credit score down XXXX points behind a bill I always paid and paid on time. I then requested to speak with a manager who seemed to truly understand the issue and stated that she would make sure the ticket went through for correction I told her I felt targeted at this point and hustled and was going to file with the XXXX and my state.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I am fully aware that XXXX should have looked into this much earlier, but I have been trying to pay down my Citicard account for sometime now and it doesnt seem to go down. I usually look at the balance online, then pay what I can each month. I happened to look at my account and noticed a XXXX fee and a credit protector fee has been being applied each monththe XXXX is almost XXXX per month!! I know for a fact when I opened this card in XXXX I was in college and had little money, but I had it as a backup. I called Citicards today, and they apologized for saying they could reverse a few of the credit protector fees, but that I had to call a different number for XXXX and that they would most likely be able to waive some fees. I called the number, and they said I have been paying on it since XXXX!!! They canceled my account but that was it. I am sure I wouldnt have signed up for anything additional back then, so I am confused how I was auto enrolled. After looking up this company, I see that there have been several people duped over the years by this. I am not expecting a full refund, but I feel they need to do better than just cancel my account. Thats A LOT of money to be forking out over the years, and Ive been a loyal customer since XXXX!. I feel frustrated and taken advantage of. Thank you for your time in looking into this matter, I sincerely appreciate it!
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt. 

My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I filed a claim that my card was stolen & XXXX was withdrawn & transfers out my account but not at once on the XXXX & the XXXX, i ask them to check the cameras and everything to show that it wasnt me that withdrawal the money out my account and before this happened they told me my card wasnt working it was under review but all of the sudden my card getting stolen and money getting withdrawn out my account in the middle of the night. I filed the dispute in the XX/XX/2021.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$16000.00} XXXXBalance {$1700.00} XXXX XXXX XXXXBalance {$900.00}
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

WELLS FARGO HEALTH ADVANTAGE CREDIT CARD On XX/XX/XXXX at approx. XXXX XXXX EST I made a call to pay my bill via phone as I do every month. While on the call there appeared to be numerous stops or delays in the prompts. I gave verbal orders for a payment of {$100.00}, it did not go through. I entered {$100.00}, it did not go through. At this time the prompts were asking to confirm a payment of {$780.00}. I verbalized NO, STOP, Cancel. Thinking this would cancel and I could start over the process them moved to confirmation. Again I said NO, STOP, CANCEL. I should have hung up but the prompt moved into confirming I payed {$780.00}. I DID NOT! That was my whole paycheck. 
I called Wells Fargo Health Advantage at shortly after XXXX XXXX EST. Spoke to a representative who had me on hold shortly and returned citing they can not stop the payment. WHY? The response was " We can't do that anymore ''. I told the representative that it states it's a recorded line and I did not give authorization to my bank account for {$780.00}. I wanted to pay {$100.00} only. At that time I was told that Wells Fargo will attempt to access my account 3 X. I had to withdraw my money from my bank account so they wouldn't take my whole check. Thus causing overdrafts for funds that were already coming out legitimately. The first hit occurred on XX/XX/XXXX for an amount of - {$32.00} overdraft for Wells Fargo. There was a second attempt to to withdraw from my bank account on XX/XX/XXXX. Why is this okay? I never authorized the first attempt, now 9 days later they are trying again. Resulting in another {$32.00} overdraft. Now I'm just talking about what my bank charged. Wells Fargo felt obliged to help themselves to more charges on their end. I called a second time at this point and spoke with a representative named XXXX. XXXX was not so helpful. At this time I had received another bill stating that I had a balance of {$850.00} and only owed {$27.00}. The representative states that there was a payment of {$850.00}. That may have been possible because the XXXX  office sends back any payments that were not used at the end of treatment. I told the representative the situation and she said they will send out a form for me to fill out for the return of the money I paid since I was only trying to pay {$100.00} but it would take several weeks. I didn't pay them anything from that transaction of XX/XX/XXXX. I pay ahead so there was no money due at the time. Now it's time to pay the bill but nobody can tell me what to pay. Then I got hit a 3rd time on XX/XX/XXXX for another {$32.00} attempt to access my bank account for {$780.00}. WHAT?? This can't be legal! It most certainly is scandalous and corrupt. So today I will make another attempt to work with these people but I'm not sure where it will lead. At any rate this needs to be reported. 

Contact number - XXXX for customer service M_F XXXX - XXXX CT
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (CA)

This debt is illegal and invalid. Landlord/collection never contacted me ( guarantor ) by mail. Landlord/collection never provided itemized list of repairs. Landlord never provided depreciated value of property. This is required by law in order to collect on debt and must be provided within 3 weeks of move out. Despite several requests to do so, this was not done. Landlord can not expect to collect on an arbitrary amount. It is my opinion that the carpet that was damaged was already depreciated to {$0.00} and therefore the damage to it is {$0.00}. Instead, they insist that is is more without provided legally required documentation to prove their value. Collection agency proceeded to report this on my ( guarantor ) credit report with ZERO contact with me.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

The debt commonwealth financial systems is trying to collect is from a XXXX case. I have informed them that it is not mine and that my company is the one that owes anyone if there is a bill. They said its not their problem and put it on my credit. Please help me get this off my credit and make these people leave me alone with fraudulent debts.
Consumer complaint received 2022-11-13
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: AR Resources, Inc. (CA)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have attempted phone calls to correct an inconsistency in my PSLF count. Fedloan will not count the period XXXX as eligible due to a paperwork inconsistency concurrent with previous misleading statements about the TLF program and the subsequent paperwork that was submitted. That TLF paperwork was never expunged from my file, so the PSLF payments for those periods continue to not be counted. Due to my previous complaint being remedied, the TLF application needs to be deleted, and those payments need to be counted. I have submitted two employer certification forms ; one in XXXX and one at the end of XXXX. My employer qualified and I have not changed employers since XXXX. Any time I try to call and talk to someone I am put on hold for hours, waiting to talk to a PSLF specialist. I am tired of the runaround and need someone to fix my file so my payments all count accurately and appropriately.
Consumer complaint received 2022-11-12
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: ERC (GA)

I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over XXXX months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.
Consumer complaint received 2021-11-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (TX)

In XXXX I attended XXXX XXXX XXXX to obtain my XXXX licensure XXXX XXXX, Florida. The student aide dept there obtained funding for my program and I signed for the loans. I had very little understanding of the process & or lender. 

I, obtained myXX/XX/XXXX license and worked in the field for XXXXyrs after as a XX/XX/XXXX 
In XXXX, I went back to school to obtain my XXXX. In my XXXXrd year I was hindered by the inability to procure loans for school. 

In XXXX, I entered a loan rehabilitation program to rehabilitate my student loans ( all defaulted loans ) I enrolled in XXXX in XXXX of XXXX and have been attending since that time. 

Having received my default clearance letter due to loans rehabilitation completion. 

Since, XXXX of XXXX the debt collection company continues to report and actively seek payment on debts they claim I owe. They refuse to remove incorrect remarks from credit reports and incorrect reports from XXXX XXXX  as Dept of Education has provided should be done due to the umbrella loans into rehabilitation and the XXXX XXXX reporting regulations. 

I have no knowledge of ever entering into any agreement with ECMC as a loan servicer in XXXX for XXXX XXXX XXXX for XXXX XXXX license or any other degree. Yet, the company continues to cause detriment to my credit rating and harase for payments I do not believe are owed through this last two years ; while I have been attending XX/XX/XXXXas a full timeXX/XX/XXXXXXXX.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Near XX/XX/22 XXXX insurance has reported that my legitimate, approved claim for a minor scratch and dent issue with my car is a collision accident. First, I had full coverage to cover any issues. Second, this minor damage was not my fault as it was an immovable object that I could not see when I was backing out of the proprietor 's garage. No one was hurt and no damage was done to anyone or thing except my car. The damage was more than I can afford, so XXXX 's claims department advised me to go ahead and get this minor damage fixed as I had already paid for just this kind of potential event. Unbenownst to me, XXXX has reported this as a collision and now my XXXX XXXX Report and my CLUE report are showing this incorrect information which is now preventing me from being able to obtain reasonable insurance. I had no idea that this kind of report would follow me for at least 3 years. I contacted Lexis Nexis to file a complaint and correction. To this date nothing has been done.