davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (PA)

At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.
Consumer complaint received 2017-06-08
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)

These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of XXXX if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, XXXX XXXX @ XXXX.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We submitted a short sale request to SPS on  XXXX / XXXX /  XXXX  . I have followed up every-other-day since to ensure we are moving along swiftly. Our offer is $  XXXX  and the bank completed a value on  XXXX / XXXX /  XXXX   that came in at $  XXXX . On  XXXX / XXXX /  XXXX   I was advised by  XXXX  at  SPS  that we needed to remove the word HAFA from the HUD and put the sellers name in where the {$10000.00} relocation incentive appeared. I provided that revised HUD to SPS on  XXXX . I continued to follow-up on an every-other-day basis. Due to lack of response I opened a complaint with CFPB on  XXXX / XXXX /  XXXX   case :  XXXX . On  XXXX / XXXX /  XXXX  , I believe in a retaliation move because we filed a complaint, they countered the offer stating they need a NET of {$220000.00}. Since the buyer is already paying {$15000.00} over value we had to remove some items and reduce realtor commission. I submitted a revised HUD to SPS on  XXXX  and requested that they not hold the file for another 30 days like they typically do. I called on  XXXX  and  XXXX  with no updates. I called  XXXX  and was told that the file was noted " today '' and to keep calling that I should have an answer any time now. I called  XXXX ,  XXXX  and  XXXX  all with " no update, still pending review, a decision will be made within 30 days '' response. I called today and was advised that on  XXXX  the file was noted that the relocation incentive had to be removed. Why was n't this told to me in  XXXX  or  XXXX  when I called numerous times? Why was n't I told when I called numerous times on and after  XXXX ? I have a letter from the Ombudsman department simply telling me about a required increased NET, never noting that the incentive has to be removed. Specifically SPS told me on  XXXX  to keep the incentive, just change the wording. Now I am asked to resubmit ANOTHER HUD and wait another 30 days. I asked for a supervisor and when I told him I would n't wait another 30 days and I want my file rushed he replied " That just is n't going to happen ''. Only after I asked for his manager did he reach out and try to get a rush. They still wo n't work my file without a new HUD  (  which I have requested from title ). I thinks SPS has exhibited malicious behavior on this file - purposely being neglectful in what information they are relaying, closing out my last CFPB complaint with a counter offer only to have an oversight on their part with the relocation incentive.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

FACTS : withXX/XX/XXXX for 12 Years. <P/>Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. <P/>Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. <P/>When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. <P/>I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . <P/>I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX. <P/>
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. <P/>I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. <P/>I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. <P/>Respectfully Yours, XXXX XXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Was charged a " Credit protection '' fee for two years. Fee did not show on online statement only noticed when I printed off a statement to pay off. Was charged  XXXX  over  two  years and they rolled it into my 24 months interest free purchase. I now owe  XXXX  or my deferred interest gets charged.
Consumer complaint received 2017-06-08
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: EQUIFAX, INC. (IN)

I requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed this debt several times with  Portfolio Recovery Collection  and asked for verification and validation.  Portfolio Recovery  did not provide any of the requested information, however the company updated my credit report to indicate that I have an " Open '' account with them in collections. I have not ever done business with this company and have requested that the erroneous account be removed from my credit report.      Portfolio Recovery  is reporting that I have  two  open accounts in the amounts of {$1200.00} and {$2600.00} for a total of {$3800.00}.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?
Consumer complaint received 2017-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XXXX, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

I received a credit collection letter from  XXXX   XXXX  for {$640.00} with creditor  XXXX   XXXX  account ending in  XXXX . I contacted  XXXX   XXXX  regarding the amount due for the account ending in  XXXX . The representative stated that the account ending in  XXXX  had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor  XXXX   XXXX  for fraudulent activity on account ending in  XXXX  for the amount of {$450.00} reference #  XXXX  DATE :  XXXX / XXXX  /2017    @  XXXX . The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This  credit collections a gency is trying to collect on a made up amount.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (AR)

On  X/X/2017  I received a letter from The Huntington National Bank.
This letter requested that I send them {$3300.00} within 30 days in order to implement a loan.
I have never applied for a loan with this company. I have never heard of this company.
The reasons stated for requesting the {$3300.00}. was allegedly because my credit report that Huntington National Bank requested from  XXXX  was so negative.
I have checked with   XXXX   and our history has always been clear of all problems Huntington National Bank wrote that the following reasons attributed to their request for money from us : A : " Low credit score of   XXXX   '' Nonsense ... .We have an Excellent credit score of  XXXX  B : " The number of our accounts with delinquency is to high '' Nonsense ... ..We have an impeccable history ... .no delinquencies ... ever ...
<P/>
C : " To few accounts currently paid as agreed '' Nonsense ... ..Our credit reports, dating back as far as you want to look, including their alleged source,  XXXX , show all accounts have always been paid as agreed D : " Length of time loans have been established '' Nonsense ... ..We only have   XXXX   loans plus credit cards that are paid in full every month.
<P/>
I talked to Huntington National Bank this morning and expressed my concern that : # 1, I did n't request a loan with them ... .ever ...
# 2- the information contained in their letter to me regarding our credit is highly inaccurate.
I made it clear that my credit reports had better not reflect anything due to Huntington National Bank invalid and inaccurate statements.
My wife and I take great pride in maintaining our credit ratings and are offended by the misuse by Huntington National Bank of our credit history I 'm concerned that it might be possible for a bank to prey on the elderly and with intimidation, force loans that were never applied for.
<P/>
My phone discussion with bank personnel did nothing to assure me they were the least bit concerned with what I thought.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make pa
yments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Robinson, Reagan and Young PLLC (CA)

After pulling my credit report as a  XXXX   year old  in   XXXX   XXXX   I discovered  XXXX  and  XXXX   XXXX  had placed an account onto my credit report with all bureaus. I have absolutely no knowledge of this account and immediately proceeded to take the proper steps to identify the account. After calling and speaking to a rep I was given the name of the original creditor whom I contacted shortly after. After speaking with the original creditor by giving my social I was able to find out that the account that existed did not match my legal first name what so ever. From there it was n't hard to determine that someone had fraudulently used my social security number and attached it to their own name.     I contacted the office several times via written letters demanding that they provide me with proof that the account that existed on file was in fact mine. In my validation request letter I disputed the entire amount, explaining that the account was opened while I was an 18 year full time old college student living in a completely different state.     Each time  XXXX  and  XXXX   XXXX  has failed to respond and provide me with any verification that I owe the debt or any documentation/proof from original creditor. After speaking with a lawyer it is my understanding that under FDCPA, I have the right to debt validation and a collection agency must prove that they have the legal right to collect a debt.     This fraudulent collection account had prevented me from receiving/opening accounts and ultimately caused me a considerable amount of hardships over the past 6 years.I am reaching out to the  Consumer Financial Bureau as  a last step in order to avoid legal action.
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: EZCORP, INC. (TX)

EZ loan is the place that is harassing and threatening me calling my job and calling my cell after I have advised them NOT TO USE MY CELL AND HARRASS ME, I HAVE CALLS RECORDED WHERE IT IS A JOKE AND THE FOUL LANGUAGE THAT THEY USE.