davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (UT)

XXXX continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

XXXX reported in XXXX XXXX, through CFPB that my account was at a zero balance until XXXX XXXX, XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
Consumer complaint received 2015-11-11
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Kirkland Asset Management LLC (NY)

Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). 
Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. 

They even lost my faxes ( Which has social security number mentioned ). 

Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. 

I dont feel that my records and financial information is safe with rountpoint mortgage.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
Consumer complaint received 2015-07-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JLU Asset Management Group LTD (OH)

JLU Asset Management Group called my cell phone and left a message on XXXX/XXXX/15 threatening to take action against me if the matter was not resolved by EOB. I have not ever heard from this business on any matter. Did not disclose what matter was. When I called the number on the message I was told I had to call a XXXX that I owed {$90.00}, but would not tell me what the debt was for. I do not know what this is for and they would not give me any information as to what the matter was that needed to be resolved. I was at work when the message was left on my cell phone ( without my permission ).
Consumer complaint received 2015-07-19
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I feel I was illegally maneuvered by Wells Fargo Bank back in XXXX of 2007 into aSmartFit Home Equity Account Agreement when I went to them for a home equityloan to pay off credit card debt which I had. I only needed around $ XXXX loan topay off these bills and have a new roof put onto my house. But, I was directed into a " Smart Fit '' Home Equity line of credit of {$170000.00}. And, since my savings and checking accounts were with Wells Fargo, they set it up on an automatic payment system to hide, in my opinion, how much my monthly payment was that they were taking out. And, because they set it up for interest only payments, I have been making payments since XX/XX/2007 and have not seen any decrease in my loan amount. Since they made it so easy to access this account, I have used up the entire {$170000.00} amount that they initially set up ( Wells Fargo, I feel, knew this would happen ). This type of loan practice, I feel, should be illegal! Officials at Wells Fargo know, I feel through past customer history, that giving customers more loan amount than they want, they will use up the amount given them and put them in financial trouble, possibly causing foreclosure on their property. 

I am sure that they have many other clients with the SmartFit Home Equity Line of Credit in the same dire circumstances as myself! The name Wells Fargo came up with for this loan, SmartFit, intentionally deceives the borrower into thinking that they are getting a Smart loan with no principal payment due for the first XXXX years! 

Best time to call : Anytime on my cell phone at XXXXXXXXSincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (VA)

We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT TRANSUNION AND XXXX NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (CA)

I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (WI)

People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control (CA)

This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I made a payoff amount for the entire balance on the credit card statement with Citi. The following month I received a statement showing that I owe {$1.00}. When I inquired and spoke to 3 different customer reps, I was advised that they can charge additional interest even if you payoff your entire balance on the account. This is FRAUD.
Consumer complaint received 2016-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP (CA)

I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: International Computer Systems, Inc. (OH)

The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Group, Inc. (MN) (CO)

RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.
Consumer complaint received 2015-12-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is for Equifax, XXXX GA I recently reviewed my credit report XX/XX/year> and noticed a account not reporting Accurately. There are XXXX collections showing on my report from XXXX XXXX in which is not showing on my other credit reports. The consumer reporting agencies need to report all information with complete accuracy. Im requesting you investigate and remove errors from my report.