davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the account
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ROC Asset Solutions, LLC (CA)

XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (KS)

BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation (SC)

This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (GA)

After viewing a copy of my credit report, l noticed three collection accounts placed on my credit report from you inXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt ( seeing that you never sent me any written notifications ). I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2017-08-16
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. (GA)

I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XXXX 2017. XXXX XXXX, 2017 I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XXXX XXXX, 2017 XXXX XXXX XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( XXXX, XXXX, and XXXX ) requesting the account be removed. On X/X/2017, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card Account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), An unsecured loan open at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), and a unsecured loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX # ( XXXX ) XXXX # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB PERFORMANCE RECOVERIES, LLC (MN)

In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
Consumer complaint received 2017-08-16
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX sold Citgo gas cards to Synchrony Bank and did not forward the payments received. I have had my bank forward proof of payment several times and have spoken to XXXX and SYNCHRONY BANK but it is still not resolved! I have been charged late payments and interest. 
From XXXX BILL PAY. 
XXXX/XXXX/16 {$40.00} XXXX/XXXX/16 Delivered Electronic Payment XXXX/XXXX/16 {$27.00} XXXX/XXXX/16 Delivered " " XXXX/XXXX/16 {$55.00} XXXX/XXXX/16 Delivered Electronic Payment
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

This year I 've been scammed by two different XXXX insurance  companies. The policy numbers exist only within those companies to bill me. There is no actual insurance that can be used. XXXX XXXX and XXXX XXXX. I have pleaded with Wells Fargo and they have ignored my story. Last charge to my debit card was for XXXX dollars. I initiated a dispute and Wells Fargo closed it immediately. They stated that I did not cooperate. They ambushed me at the branch on the phone in an unprofessional and completely inappropriate way that prevented me from handling the situation. Both of these companies are real, yet neither providing a usable policy. Wels Fargo claims that my purchases are protected from fraud and clearly that 's a lie and false advertising.
Consumer complaint received 2017-08-16
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: EQUIFAX, INC. (NC)

Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (GA)

On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. 
When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. 
In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. 
I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. 
The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.
Consumer complaint received 2017-08-15
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: Kinum, Inc., Indianapolis, IN Branch (IN)

Kinum, Inc. Corporate Headquarters XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Initial call from a XXXX XXXX CEO from kinum.com, said straight up is this " Insert Name '' with Social Security Number such and such. If wrong number, peoples identity were compromised. Never said hello, or anything to alert the other person on the end of the call what call was about. If wrong person ( cell numbers change often ), private social security number and name could have been used to create fake identity from a 3rd party.
He threatened to steal my identity and ruin my credit. Told him he had the wrong person.
I later had my Debit card compromised. My bank put a security hold on it, and I had to get a new card.
He called my work multiple times, after I told him not to, and interrupted my work. He kept leaving voice mails at my work also, I saved the last voicemail on XXXX XXXX, 2017. Even after I told him not to. I have other voice mails also from him after I told him to stop calling with time stamps, and numbers of origin.
I also told him to stop calling me on my personal number, and also to stop calling my work. I have records on my personal phone of multiple calls from him and his multiple fake VOIP ( Voice over internet protocol ) phone calls. And also record of voicemail at my work.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.A QWR and NOE was sent to your office on XXXX/XXXX/XXXX on behalf on XXXX XXXX. The lender has failed to respond or acknowledge the legal QWR and NOE. When called the lender confirmed documents had been received