davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Here is the account, CB Indigo with one late payment on XX/XX/2024. 
I looked at my XXXX XXXX credit report on XX/XX/2024 and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also XXXX XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Ok, either whoever is doing these audits doesn't care to fix the problem or the bank really just doesn't care. They want proof? Here are just the first two statements of this year ( there are many more that show them inappropriately funneling funds to themselves ). Every month since they took over my HOA ( 2021 ), they have trimmed off my escrow to pay themselves on the backend of the mortgage. That's fraud and, from what I've read, illegal! If they say it's going one place and they choose to put it to pay themselves extra, that's a violation of HUD laws. So, fix my payment!!!
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had a checkin, savings, n ira account with wells Fargo bank in XXXX XXXX I noticed towards end of XXXX I had XXXX at beginning of that year I had a accident at work n in process of going thru workman 's comp because after I had XXXX my we work company took my workman 's comp away, they stated a rewards signature credit card n changed my online bank statement I stopped receiving statement n they did overdraft services with n savings n credit card so I went to bank during Covid n they did not know when they opened some kind of company under my name with my account n started making transfer using checking saving n credit card so changed acct # n changed phones line XXXX times n email n wifi several times n bank continue to let them do online transactions when I told not too no online anything my phones have been hacked every single time it's just matter of weeks n it kept going, I have made several complaints thru emails n phone but bank said emails were not received they redirect my calls n stop emails so it been so hard to get anyone to help I have all my receipts n bank statement now I need help cause I don't understand the codes or where money was sent n bank couldn't help me it's been thousands over last XXXX years even tho I don't put any money in this account anymore I only pay bills from wells Fargo there n they'll reverse my payment stal my money they've cashed checks with credit card n I've never seen those transaction on my end it's been over easily 15,00 on my checking n savings if not more n credit card 8,000 my IRA was supposed to be more than 650 when I closed because I had started putting XXXX a month towards that but I cancelled all of that in XXXX of, XXXX I can contact on my phone at ( XXXX ) XXXX this email only safe one I can use it's my sister 's who can help recuperate some this stolen money n help with the identity theft I've gotten all my credit reports most recent but they don't have valid number to call to investigate n I really can't see anymore due to my accident I'm still not able to work n don't have no one to help or even believe me n it's depressing that they can get away with ruining my life n I'm gon na lose my home because I can't pay it anymoreive gotten help from XXXX XXXX XXXX but it's ended n I have no access to computer please help, I'm ready just to give up on life cause I can't do it by myself to send receipts n statement it too email but I send thru postal office
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I was recently made aware of this debt. I am not sure where this debt has come from. I reached out to midland credit management asking for accounts numbers and time from of this debt. I received no information regarding this debt. I believe this debt to be fraud.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

My late husband had a Health Savings Account with HSA Bank, based in XXXX, WI. A Death Distribution check was finally issued, but to the estate. I am unable to open an account with that check, because HSA Bank continues to retain the original documents that I sent : Marriage Certificate, Death Certificate, XXXX  Court Certificate appointing me as Administrator to the Estate. I have no other originals and those are the very same documents that I now need in order to open an estate account. I have repeatedly requested by phone that those documents be returned to me, in addition to sending email requests on XXXX, XXXX and XXXX. I am now in possession of a check that can not be deposited, virtually rendering it null and void, thereby denying me of funds that rightfully belong to me.
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advantage Financial Service LLC (Idaho) (ID)

Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I received a piece of mail ostensibly from Citi Bank. This mail informed me that a credit card was applied for in my name, however I did NOT apply for this credit card. The mail further informed me that more information was required, as my credit report is frozen with the bureau, which is true. The number listed on the mail seems fraudulent ( XXXX ). The mail included an application ID which I used on Citi Bank 's website to confirm that, indeed, a credit card was applied for in my name and the application was pending me unfreezing my credit. I found Citi Bank 's customer support number on their website ( different than the one listed on the mail ), and called that. They helped me by cancelling that application and giving me po box information to send further fraud information, if needed. Please protect me Consumer Finance Bureau.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Debt Account Number : XXXX Creditor : XXXX XXXXXXXX Amount : {$280.00} Dear Sir or Madam, I am writing in response to a notice I received regarding an alleged debt referenced above. This letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the debt : The amount of the debt and an itemized statement of how it was calculated. 
Creditor information : The name and address of the original creditor to whom the debt is owed. 
Proof of your authorization to collect this debt on behalf of the original creditor. 
Documentation of my liability : Copies of any contracts, agreements, or signed documents that prove my legal obligation to pay this debt. 
Proof that the statute of limitations on this debt has not expired in my state. 
Information on the chain of ownership if the debt has been sold or transferred from the original creditor to your agency. 
Please cease any further collection activities, including reporting this debt to credit reporting agencies, until you have provided proper validation of this debt. 
Additionally, I request that you inform any credit bureaus to which you have reported this debt that it is currently being disputed. 
Please send all documentation to my mailing address listed above. If you are unable to provide the requested validation, I ask that this debt be removed from my credit report immediately. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I never agreed to " Debt Protection Fees '' with Best Buy or Citi Bank when signing up for a credit card in 2007 to purchase a TV. Over the course of 9 years they have charged me with {$540.00} of fees associated with this fraudulent " debt protection fee '' or service. It 's basically the entire balance on my credit card billing statement. I have requested a full refund twice, and nothing has happened. 

Please help!
Consumer complaint received 2024-09-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

The company was contacted via Certified Mail : XXXX XXXX XXXX XXXX XXXX ( Your item was delivered to an individual at the address at XXXX am on XX/XX/XXXX XXXX XXXX, FL XXXX. ) dated XX/XX/XXXX requesting validation of debt with no response from the creditor : CREDITOR DISCLOSURE STATEMENT Name and Address of Collector ( assignee ) : ____________________________________ Name and Address of Debtor : ____________________________________ Account Number ( XXXX ) : ____________________________________ What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. 
Have any insurance claims been made by any creditor or assignee regarding this account? Yes / no Has the purported balanced of this account been used in any tax deduction claim? Yes/ no Please list the exact products or/or services sold by the collector to the debtor and the dollar amount of each : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

XXXX Authorized signature for Collector Date ___________________________________________________ Printed name Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. 
Your claim can not be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

In response to complaints XXXX, XXXX and XXXX, Portfolio Recovery Associates ( XXXX ) has still failed to provide evidence that I was contacted. The address on the letter that was allegedly is incorrect and I was therefore not given the legal time to dispute the debt. As of XX/XX/2024 PRA has, other than threaten to sue over unverified debt, not provided ANY EVIDENCE of how I was PROPERLY contacted at either AN ADDRESS WHERE I LIVE or A PHONE NUMBER WHERE I CAN BE REACHED. PRA is clearly in violations of the FCRA, and the FDCPA. PRA is currently threatening and harassing me about getting sued, while failing to provide EVIDENCE. These are unacceptable business practices! PRA is also violating the FCRA by showing the same balance as a charge off, and per the FCRA the creditor and the debt collector can not report the balance.
Consumer complaint received 2023-05-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

On XX/XX/2023 I received a credit monitoring notification that Firstmark Services had reported my XXXX student loan accounts as " 30 days late ''. IT WAS NEVER 30 DAYS PAST DUE. As I was in the process of obtaining a VA Home Loan, I reached out to my lender ( XXXX XXXX ) for further direction. 

I was informed they'd perform a " credit supplement '' or mortgage verification XXXX way call between myself, XXXX, and XXXX. Reference code XXXX. 

During this recorded conference call on XX/XX/XXXX, the representative had verified all XXXX accounts, with the most recent payments made, the balance, and that each was NEVER LATE. 

Going off of this information and under the belief that all of my credit information was accurate, I applied for additional lines of credit- I WAS DENIED, FURTHER DAMAGING MY CREDIT SCORE. 

I had then pulled my credit reports from XXXX and XXXX sure enough, Firstmark reported them 30 Days Late. I filed disuptes with each. The result was Firstmark still reporting the late status and even more alarming was that all payment information and balances were different between each- even though Firstmark responded to the disputes in a period of time where no changes to the account were made. 

Firstmark and their reporting practices are damaging to not only my credit well-being, but any consumer. Their information is seemingly never correct and varies depending on whom you speak with at the time. Their actions have been careless and ridden with negligence. As credit bureau level disputing has been fruitless, this is my final action before filing a formal lawsuit. If I am forced to this action, Firstmark 's horrible business practices will be made very public, along with my official notice to file suit. 

This summary will be published on consumerfinance.gov, as a start.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/year>XXXX  my ex boyfriend fraudulently purchased airline tickets on my Apple Credit Card. I contacted XXXX, the airline that he purchased them from, and they told me that a refund was owed to me. After the refund never showed up, on XX/XX/year>XXXX  I disputed the charge on my credit card. After saying they needed more proof, I submitted screenshots of my chats with XXXX where they explained to me that they owed me a refund and would provide one to me. Apple credit card denied my dispute some time later, and when I requested info on why they mailed me the merchants terms which say they do not do refunds and by purchasing through them I agreed to those terms. Upon explaining that I was not the one who made the purchase and therefore I did not accept the terms, my dispute was still denied. XXXX has openly agreed to providing me a refund because the purchase was not made by me and therefore a fraudulent purchase, but I am getting nowhere. It has been 8 months at this point of me trying to dispute it and getting nowhere with this. I have submitted proof of speaking to XXXX on this, proof it was fraudulent, and it goes nowhere. Apple credit card even lists chats with merchant as an acceptable form of proof but refuses to do anything about this. I am being held responsible for a fraudulent charge on my credit card, which is never acceptable. Apple even has record of me reaching out to them after the first dispute and changing all of my digital card info, yet they still will not resolve the fraud charge.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

2016 - SPS stated XXXX was denied due to approximately XXXX dollars over the XXXX XXXX that was approved. 

I filed a complaint with CFPB. Thereafter SPS agreed to except the tender over the XXXX directly from me. 
SPS encourage me to re-apply with XXXX - I was approved a second time - SPS denied the tender again due as the reinstatement amount was over - SPS stated once XXXX funds are received I would have 7 days to tender the difference - I am and was prepared. 
SPS after a long conversation apologized for the error and stated to re-apply as your file will be flagged this time to avoid errors XXXX re-vampped application as the prior approval was less than 30 days old. 
XXXX approved within a week. 
SPS then stated I was misinformed and SPS would need to receive the funds as a whole. 
SPS on a XXXX way ( SPS/Myself ) recorded conference with a third party to confirm the instructions once XXXX release tender of XXXX SPS denies this ever happened and refuse to put XXXX representatives on the phone As the note holder in due course requesting- SPS a third party collection company - to establish relationship with master servicer Provide - actual INVOICE, who is the lender, who is the investor, a statement with a balance due, reinstatement information, payoff demand, a complete break down of all cost of postage including fed ex, XXXX and USPS XXXX Real Estate Review on property. Under the Freedom Of Information Act the information is not proprietary. 
A credit letter was sent to SPS to confirm tender of difference with more than enough funds in the account. 
SPS is denying tender to bring my account current.