davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (GA)

I paid ARS National Services Inc.XXXX and XXXX was to be forgiven. I paid ARS which is the collection agency for XXXX. I paid settlement amount of XXXX and they were to report a XXXX balance to all XXXX credit reporting agencies which they never did. They still expect me to pay XXXX.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CO)

I put money into Gemini years ago, since then they have blocked me out of my account and I am unable to get back in. Today I received a letter saying that my money will go to the state if I do not claim it. However, I cant claim it unless I get into my account, however, support has not replied to me, any of my attempts over the years
Consumer complaint received 2016-01-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?
Consumer complaint received 2016-01-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I have a XXXX mortgage with XXXX or XXXX and Ditech is the servicer of the loan. According to HAMP website, XXXX, XXXX, and Ditech website, if you have a XXXX mortgage that was modified ( my XXXX mortgage is with XXXX and was modified in 2011 ), then your XXXX mortgage will be modified. However, I called Ditech and they said that they do n't offered XXXX modification only if my XXXX and XXXX mortgage is with them. They refuse to look in to the matter or my case. Therefore, I want to file a formal complaint against Ditech and XXXX for not servicing my loan properly and by government compliance.
Consumer complaint received 2016-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (KS)

Aargon Collection Agency reported a debt to my credit report without ever contacting me about the debt. The original Creditor is Missouri XXXX and it has been over five years since I have lived in Missouri. This company never sent me verification of the debt or allowed me to dispute it.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

i applied for a capital one credit card and was denied via email, there is no attachment, there is no letter there is no explanation of any kind form capital one. i have talked to XXXX supervisors at c/one and of course they wo n't provide any information. i checked all XXXX major credit reporting agencies and i have credit ratings over XXXX on all three, i pay my small balance two or three days after i receive statements, i just want to know why i have been denied and they are unable/unwilling to give me this information, i believe this is a violation of the federal lending laws, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, nc XXXX, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I would like to report the XXXX transactions made from Wells Fargo to XXXX  XXXX XXXX. It was cyber-scammed and have filed a case with the FBI ( XXXX ), FTC, XXXX, Law Enforcement ( Sheriff office ) and respective banks where I initiated the wires. Kindly request you to monitor and revoke/take necessary actions and will be helpful in recovering the funds, if possible. 

XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : XXXX / XXXX XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : XXXX / XXXX
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY ()

XX/XX/2015 I applied for an American Express Charge card as well as a credit card. I received both. I was making payments on time and never fell behind. In XX/XX/XXXX/XX/XX/2015 I was having difficulties paying the balance on the Charge card as I was in the middle of closing my store and trying to re-open in a new location. I had called to make payment arrangements and was able to meet them and if not I had called in to let them know that I would be making the payment on a particular day. XX/XX/2015 I had an arrangement to pay the balance of around XXXX to make my card current. I had made the payment and called in to see if it was received. I then was told I had to call an agency as it was transferred to them. I called the agency to find out what was going on as I did n't understand why as I never got a phone call or letter. The payment was received within a day or two of them transferring my account to cancellation and this agency. I now have a closed by credit grantor on my account. I tried calling AMEX to talk to someone about this and no one would help. My other card that is current and had no lates is now being closed and going to an agency.
Consumer complaint received 2016-01-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I have a Slate credit card from Chase. As a benefit, Chase gives me visibility of my XXXX credit score from XXXX each month. 
Issue I recently applied for a Chase auto loan. Per my credit report, Chase used the XXXX credit score in its loan decision. Providing me XXXX credit score but using a different credit score in the loan application process is deceptive. Why the disparity?
Consumer complaint received 2016-01-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SQUARETWO FINANCIAL CORPORATION (TX)

Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.
Consumer complaint received 2016-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Leaders Financial Company (NJ)

I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX I was waiting results of XXXX hearing, having had XXXX in XX/XX/XXXX and unable to work. My Chase Visa became past-due and was charged off. XX/XX/XXXX I received acceptance to XXXX and made a settlement payment to Chase for {$10000.00} and paid settlement in full XX/XX/XXXX. Chase sent me letters assuring me a paid in full settlement would be reported to the credit bureaus. But for 2 years and numerous disputes I still have CHARGE-OFF and a payment of {$0.00} for status for this account. I am being denied credit due to this account reported inaccurately, not reflecting any payment on this account, only charge-off. Chase keeps assuring me in letters they will report it as paid, but they keep giving credt reporting agencies misleading information as if I had made no settlement payment at all. XXXX just sent me a current dispute result, I requested and the status shows CHARGEOFF and the account code is charge off and payment is {$0.00} XX/XX/XXXX which is not true. I am not able to get a home equity loan due to this erroneous reporting. Please help!!!!
Consumer complaint received 2016-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (GA)

I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.
Consumer complaint received 2016-01-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I have contacted Cavalry Portfolio numerous times and they have NOT provided validation for the debt they list on my credit report. They have only written me back and said that " no further collection efforts will be made unless and until validation is provided ''. HOWEVER, they are still reporting and verifying with the credit bureau that this is my debt. I have NO KNOWLEDGE of this debt. This is ridiculous that I have to file a complaint and write a dozen letters only to be ignored and my good credit destroyed by this evil debt buyer. Being ON my credit report IS DEBT COLLECTION! They claim a debt is mine and refuses to prove it. This is extortion!
Consumer complaint received 2016-01-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (FL)

I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.
Consumer complaint received 2016-01-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (TX)

I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. 
This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (DC)

Basically, I keep getting calls from numbers that appear to all trace back to NCO Financial Systems. The numbers show up on my phone with zip codes XXXX 

I 've missed each of the calls, unfortunately, but only once did they leave a message. When I followed up on that message, I was placed on hold with no mention of a company name on the answering machine, and then after being on hold for about 10 minutes the call dropped ( I had n't moved locations and my phone showed good reception ). Another time, I was offered a chance to leave a message. I did, no response. I 'm currently on hold again, and it 's now the XXXX minute of the call. 

After XXXX the number and tracing it to NCO Financial Systems, I found terrible reviews of the company on XXXX that matched my experience ( many are worse! ). I saw several people there who listed " real '' numbers for the company that actually connect you to a person, and after calling XXXX a woman picked up on the first ring. She looked me up in the system and said that the system has no record of me at all. I carefully spelled my full name and my phone number, and they are not in her system. She said she was in the medical department, and that 's the only place my debt would be - I 've recently been paying a lot of doctors bills because of an injury sustained, and it 's not out of the question that I may have missed a bill or mixed something up. 

I 'm concerned that I have a bill out there that will affect my credit, but I 'm also concerned that i am being contacted by a scam and am not comfortable giving them any information. 

Please help!
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Debt Management Solutions, LLC (CA)

Your team submitted my claim to the wrong company ..you submitted the concern XXXX instead XXXX XXXX -- -- -telephone number XXXX these illegal account sharks change their name/daily sometimes they call themselves Nationwide debt XXXX and sometimes they are called Debt Management Solutions XXXX XXXX XXXX
Consumer complaint received 2016-01-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Company name : Collection Bureau Hudson Valley, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Partial account account number : XXXX I have disputed XXXX accounts of information that are not my accounts, this company removed XXXX accounts off my credit report and continues to report one : XXXX. They are deliberately looking for extra payment. The accounts were paid XXXX. I have spoken to this collection agency and were told the accounts had to do with my children, who are minors and who were serviced at an emergency room. They said there was a third party. I told rhem I have nothing to do with a third party, and whatever third party this doctor knew about, should have made sure he got paid. XXXX ( Insurance that my children has ), I feel, on personal that fraud is in play, to receive extra money, which this doctor has been paid for services through XXXX. 
If they removed XXXX, off my credit report, it is obvious, that this one ( stated above ) is false information, continually being reported on my credit file, destroying and prohibiting me from obtaining credit, etc.,. I would like this to be remedied, swiftly, as I will obtain a lawyer to remedy the situation, and slap them with a lawsuit. They are involved in illegal activity and need to be brought to justice. 

Many Thanks in Advance, Respectfully, XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NC)

I ordered merchandise online from XXXX XXXX XXXXXXXX XXXX in XX/XX/year> that was going to be billed through XXXX. Within in XXXX minutes of ordering I called XXXX XXXX  and canceled the order and called XXXX to inform them as well. The merchandise was shipped anyway and I did not accept the merchandise and it went back to XXXX as not accepted. Now XXXX has turned me over to TrueAccord collection Agency for merchandise I canceled and did not accept. The merchandise was sent back to the sender 's address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX. I want XXXX to correct my balance to {$0.00} and TrueAccord to do the same. True Accord has contacted me through text and email from XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX her email XXXX XXXX. 

This has been haunting me since XX/XX/year>. I have called XXXX over and over to no avail. I will never use XXXX again because they have done nothing to rectify this situation. I don't owe XXXX anything. Your help is very much appreciated. 

I have all types of emails to XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX who received the merchandise back. If you will contact me we can find a way that I can forward all of this to you. I have too much to attach here.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Couch Lambert LLC (MS)

I have been given a summons for XXXX XXXX XXXX XXXX XXXX XXXX for a debt that I settles with XXXX XXXX XXXX I will be attaching a letter that I requested from them that it has been paid in agreement that XXXX XXXX XXXX negotiated on my behalf due to my enrollment in their program. I do NOT owe this money as I have already paid through XXXX XXXX XXXX!!!!!