davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

The company is called Convergent Outs. They called at XXXX XXXX  on XX/XX/23. They did not leave a message. My phone flagged it as a suspected scammer. The number they called from was ( XXXX ) XXXX.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

We areXX/XX/XXXXcompany based in XXXX. On XX/XX/year> we conducted a closing for a Seller 's home. We ordered a payoff from Lakeview Loan Servicing LLC on or about XX/XX/year>. On XX/XX/year> we received two payoffs from the Lakeview Loan Servicing LLC from the same fax number that Lakeview Loan Servicing LLC uses. The first one was the corrected and updated payoff and so was the second one. The only difference was that the second one had a different account number. We wired the payoff to the second account number and it was a scam account. 

I've notified our bank and started a case with Lakeview Loan Servicing but right now they are saying we have to send them the money again since they haven't received it yet.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NY)

I applied for XXXX University because I was working in a school and I need l CertificationXXXX. The admissions person ( XXXX XXXX XXXX XXXX ) reassured me that their program was accredited in XXXX XXXX  XXXX I had just moved to XXXX XXXX from XXXX XXXX so I trusted she knew what she was talking about. After completing and paying for one class with my finical Aid I discovered that XXXX University Education program was not an accredited school in XXXX XXXX. I was advised to withdrew ASAP and I was told my funds would be returned to Finical Aid and I was told I should have a bill, but then I get hit with a collection on my credit. Please see below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Financial I withdrew from the university XX/XX/2018. please return loans to Department nof Education ASAP. Thank you On XXXXXXXX  XX/XX/2018 at XXXXXXXX XXXX  Financial Aid XXXX wrote : Hello XXXX, Thank you for contacting the XXXX University Office of Financial Aid. I am just following up on our phone call. Please send me back a quick message requesting cancellation of your XXXX awards and an update to the XXXX. As soon as I receive your email I will send the case over for review. If you have any further questions, please feel free to contact us at XXXX or XXXX ( XXXX ) and follow the prompts for financial aid. Have a great day! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free : XXXX Fax : XXXX XXXX ** Please remember to monitor your email regularly for updates to your financial aid account. ** ref : XXXX : ref -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( cell ) XXXX ( home ) Support Bot XXXX  XX/XX/2018, XXXX XXXX Hello XXXX, Sorry, but could you please send a new email requesting that they cancel the remaining award and update the XXXX? The wording is important here. - XXXX XXXX XXXX XXXX XXXX  XX/XX/2018, XXXXXXXX XXXX to Support Effective XX/XX/2018 please cancel XXXX awards and an update to the XXXX. -- XXXX ( cell ) XXXX ( home )
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

On XX/XX/2020 I opened a debit card dispute with KeyBank for cancelled airline flights with XXXX XXXX. XXXX XXXX cancelled my flight on XX/XX/2020. They didn't send me noticed of the cancelled flights until XX/XX/2020. 

On XX/XX/2020 I spoke with XXXX XXXX about the canceled flights. They offered me credit vouchers or ( reluctantly ) a refund. I chose the refund and they told me that the refund could take " a very long time. '' At KeyBank 's request, on XX/XX/2020, I mailed in 29  pages of support for the canceled flights and the fact that XXXX XXXX had not issued the credit. In the support, I provided evidence of my complaint with the United States Department of Transportation, US regulation on customer rights for refunds, and support for the refunded flights. 

On XX/XX/2020 KeyBank still had not processed my mailed in support and removed my temporary credit for the {$4000.00} in dispute. At KeyBank 's request, I emailed the same support on the same day. 

On XX/XX/2020 KeyBank denied my dispute stating that XXXX XXXX had offered me a credit voucher and that was sufficient to evidence no error on behalf of the airline. After receiving the letter on XX/XX/2020 I made multiple attempts to contact XXXX, with the Executive Services team. On XX/XX/2020 I was able to speak with XXXX and ask that they reconsider the declination, given that I had no access to the credit voucher, and still had not received a refund from the airline. 

On XX/XX/2020 I received notice from the US Department of transportation that my complaint was valid, and in violation of consumer rights and that they would forward my complaint to XXXX XXXX. I advised XXXX, with KeyBank, of this fact. 

On XX/XX/2020 I received a response to a prior CFPB complaint that KeyBank was upholding their declination decision. 

On XX/XX/2020 I received an email from XXXX XXXX in response to my USDOT complaint. In the email, XXXX XXXX confirms that I do not have access to the credit voucher and claims that they refunded me for the canceled flights, which they have not. 

I'm asking for the CFPB 's assistance in forwarding my complaint to KeyBank, with included evidence from XXXX XXXX 's communication that they had refunded me. KeyBank should be able to see, from my account transaction history, that I have never received a refund from XXXX XXXX. I am asking that they reverse their declination decision, process the chargeback to XXXX XXXX, and issue a permanent credit to my account. Contrary to KeyBank 's declination response, XXXX XXXX has committed an error, and continues to withhold my funds.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

I created a XXXX XXXX  account and saw that I had a couple credit cards opened in my name unknowingly. One of the banks that this account was opened for was Discover bank back in XXXX. At that time I was a minor ( under the age of XXXX ) I would need a parent guardian if I wanted to open a bank account let alone a credit card. Discover bank closed the account in XXXX due to failed payment and it said I owe them {$1100.00}. Ive been trying to dispute these allegations for the longest by phone or the credit karma app nothing has worked I even gave them my correct LEGAL information.
Consumer complaint received 2020-07-07
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}
Consumer complaint received 2020-07-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (CA)

Attached : Exhibit 1 : Paid off lien with XXXX XXXX XXXX on XXXX/XXXX/2022. The account was considered settled in full and closed by XXXX. 

Exhibit 2 : Received letter dated XX/XX/XXXX22 from Ford stating that the security interest for the XXXX has been satisfied. 

Exhibit 3 : Tried several times, first with XXXX and then the XXXX  XXXX to apply for a title only to find out I needed to get electronic lien release from Ford credit. Contacted Ford credit 4 times since XX/XX/XXXX22 with no resolution. In fact, the customer service department had no clue or interest in trying to resolve this situation. They didnt know anything about their own letter releasing security interest nor would the let me email them a copy. Im very frustrated with Ford as I have 2 more autos which are Fords. Always believed in buying American, but may reconsider.

Exhibit 4 : Ford Credit and XXXX XXXX XXXX Information Customer service phone # 's account # 's, and Vin #.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I opened a Credit Card with XXXX XXXX on XX/XX/2022 and used that card to purchase a pair of shoes. 
I was mailed a statement for that purchase of {$27.00} on XX/XX/2022 and went to a local store to pay my entire balance in cash and present my statement to the cashier. I gave them cash and was given a receipt. 

I was next mailed a statement for XXXX still showing a balance. I called the store and Conmenity Bread Financial Bank and was told by both Agents that they could not find a record of my cash payment. 
I do not know what these companies are doing and do not care at this point. I am trying to not have this problem show up on my Credit Report before I want to retire. I have also filed a complaint with XXXX XXXX XXXX against XXXX XXXX who replied that this is Conmenity Bank Bread Financial problem to solve. 
They only give customers the option to make payments or make additional purchases. I have already made my payment.
Consumer complaint received 2020-07-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Mass email stating I have uncollected debt to ACE cash in the amount of {$750.00}. If I dont pay immediately they will file legal action. I can settle by paying {$300.00} immediately. Ive never had a loan with this company or its subsidiaries.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

After several phone calls during the month of XXXX to correct my XXXX billing statement, Home Point Financial Corp has yet to correct the accurate balance on my account. I have been making payments via my bank for months but for whatever reason Home Point takes forever to clear the checks. Having recognized what was happening during the month of XXXX I called their office to complain and made an automatic payment over the phone in order to avoid the late fee and was advised to put a stop payment on the check from my bank, which I did. Then, checking in on the XXXX payment I noticed the XXXX payment was never processed and that I was behind for payment. As you can see in the attached from my bank statement, an automatic payment was made to Home Point Financial on XX/XX/XXXX for {$6900.00}. That payment was deducted from my checking account to pay for the XXXX balance but Home Point failed to acknowledge the payment. 

Now, after calling in yesterday to discuss the issue I was informed that there was a stop payment but the stop payment was on the bank check not the automatic payment they asked for. I put a stop payment on the XXXX bank check, not the automatic payment which as you can see from my bank statement was deducted from my account. 

Yesterday I made another automatic payment for {$6900.00} for the XXXX payment but was informed that this would be put against the XXXX payment. Therefore, I am demanding that Home Point correct the issue immediately and bring my account to current, paid in full, and remove all late fees. Both XXXX and XXXX mortgage payments have been paid.
Consumer complaint received 2020-07-07
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. (CA)

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FinCo Services Inc DBA Current (VA)

I had a card with Current for about 2 years and received regular direct deposits to the card account. In XX/XX/XXXX, Current decided to close my account without warning or notice. When asked why the account was closed, I was provided a generic explanation and referred to their policy page. The account was closed with pending deposits expected to the account prior to closing. 

My federal and state refunds were scheduled to be deposited to the account. On XX/XX/XXXX my state refund was deposited to the account. My federal return had been delayed due to an IRS review of my return. On XX/XX/XXXX, the deposit was made to the account I had with Current. Attempts were made to change the direct deposit information with my tax preparer and the IRS. I was told I would need to contact the receiving bank once the refund was sent. 

I contacted current on XX/XX/XXXX to inform them the deposit was being sent. Because the account was closed, I wanted to know how the deposit would be handled. I was informed the deposit would be rejected and returned to the originator. On the date the deposit was sent, I contacted current again and asked if it had been received. I was told they did not have my refund. 

Over the next 10 days, I continued to contact both Current and my tax preparer to determine where my funds were. Current continually denied receipt of the refund. Since no one was admitting to having the money, my tax preparer investigated and informed me the refund was sent to Current and provided a trace number. 

Only after informing Current of my possession of the trace id and filing a police report did they admit to having received my money on XX/XX/XXXX. When I asked why the refund had not been returned to the originator as I was told, Current then tried to ACH the funds to an external account that was linked to my now closed Current account. 

I informed them this was against both their own company policy and banking regulations, They then asked me for new direct deposit information, which I provided, only to tell me they would not be able to ACH my refund since the account was not linked to the Current account at the time of closing. 

As Current and its affiliates were willing to violate policy at their own whim, I asked why now is it so critical to follow policy when they had blatantly disregarded it during the handling of my refund. I was ignored and told a check would be sent. According to Current, my check was supposedly sent on XX/XX/XXXX, As of XX/XX/XXXX, I still do not have my funds, When attempting to call Current, somehow, my DOB is now not matching even though my drivers license was provided and accepted as identification. They have illegally held my funds and refuse to give any further information on my missing money.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC. (IL)

I've be had this account since XXXX. I've made on time payments, they took it up themselves too give my information to another creditor, all because of late payments. The original creditor is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I received a letter last summer 2022. It stated that my current XXXX XXXX XXXX was going to be replaced by an new XXXX  thru Comenity Capital Bank. I received the new card and on XXXX, 2022 I activated the new card and registered for my online account. I received a confirmation email indicating that I activated my card & registered for an online account. I then tired login but could not and thought it would maybe take a day or so to be completed. Well after several weeks went by and now needing to make a payment I tried logging in again and still could not get into my registered account. The several times that I would login I would always get a message stating that there is no email on file & they have to contact me. Again they sent me a an email after I registered and activated the card as it was required. 
So I called to make my pymt & told them the problem I was having and they said they are working on correcting it. Then a few weeks later I received an email from the president apologizing for the problems that many customers were having. So today XX/XX/XXXX I thought all should be ok as I received an email about my online statement being available. Again I can't get into my account. I get a message stating that no email is on file with them. They have my email as I confirmed it with them when I made my first pymt to them by phone and also received about 5 emails from them since XXXX XXXX.
Consumer complaint received 2023-03-27
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

rcvd a collection notice which I will download. XX/XX/XXXX. This involved Auto Insurance and my personal Health Insurance. On XX/XX/XXXX I received an invoice from the same provider, stating that I had a balance of {$23.00}, which I paid. That was it. This started in XXXX. I received this collection and contacted the CREDITOR, 5 times, spoke to XXXX XXXX, they made no demand nor they gave me any information regarding an owed debit. Received an email stating that she was looking into the matter but never called me back. This has been way over a month. On the other hand, I also sent 3 emails to the collection Agency requesting more information and explaining everything and also requested that they inform me. Never heard from them. 

Please inform How much longer do we have to deal with companies like this? How much longer are these people going to do whatever they want and nothing happens! One way or the other this has to stop. 

I certainly hope that Honesty and Integrity play a roll. It will get nasty.