davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Management Solutions LLC (TX)

On XX/XX/19, I received a voicemail regarding a debt owed before legally prosecuting me. I used the information provided to contact a XXXX from RMS. XXXX ask me if I was aware any debt owe which I thought was strange. If you have a debt there with my name on it, RMS should be able to provide the information. I am a Fraud Victim that's taken me over 2 years to follow up on fraudulent accounts so I am very careful and proactive with important issue as this one. Although I was on a short break, I verified my Date of Birth which I usually will not do. I told her I did not have very much time but insisted on placing me on hold. I could not wait any longer but told I do not owe any debt that requires RMS services. The call made me very uncomfortable because she was so vague. I formally disputed any of there clients debt since she did not provide the information. XXXX stated a letter was sent to me over 45 days ago which is incorrect. This is the first I've heard of RMS so I further researched on RMS, I found they will send notification under a different business then collect under RMS. This is done to exhaust the 30 days deadline to dispute the debt.

I do not believe RMS sent a letter to me 45 days ago and using this tactic as a form of Harassment. I did not receive any notification from RMS and never heard of them until XX/XX/19. 
I have no clue what the debt is nor do I know anything about RMS!
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I spent 50 minutes on the phone with experian because of an anthem breach to have activation code activated and they were no help whatsoever I had plenty of problems and as I said over 50 minutes on the phone and they still could not help me
Consumer complaint received 2019-02-07
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. (GA)

My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XX/XX/, I went to a CapitalOne Bank and made a cash payment of {$2900.00} which was the balance on my credit card ending in XXXX. The payment was applied to my credit card ending in XXXX. In spite of my efforts over a two day period, including walking back into the bank and asking them to reverse the charge which they refused to do, it took in excess of a week for CapitalOne to move the money to the correct account. I spoke with two different supervisors on the phone that said they were making notes of the mistakes and that I would not be charged any additional charges or interest. Now, they are charging me {$25.00} and said it doesn't matter because I would have had to have a XXXX balance for two months to avoid interest charges. I'm not a rocket scientist, but how do they charge interest on a XXXX balance? 

I feel this is deceptive and predatory and believe the charges are unjust.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. 

Confirmation number for payment to be verified is XXXX. 
Account # with XXXX XXXX : XXXX
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

I contacted Equifax online to set up 90 day fraud alert. They asked for both my current and former addresses. When I called XXXX today to make sure it's in place, they told me that they used my former address as mailing address. I called Equifax to correct this error and was unable to get through their automated calling system to get it done. The new owners of my former address travel extensively and don't live there full time (their XXXX home). My fear is that I won't be able to get the follow-up letters on the fraud alert.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.
Consumer complaint received 2016-08-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation (MA)

I use the First Data Money Network card for my paycheck to be directly deposited. This card was furnished to me by my work. I am applying for a mortgage and I need to get statements showing the money that I put away as well as my usual cash flow. For the last 2 days, every number that I call gives me a message that they 're experiencing technical difficulties and to try again later. 

I am running into deadlines and I ca n't keep pushing this back. I need proof on paper of my money, and I need the people in control of my money to be accessible. There needs to be some recourse. I 'm at my wits end attempting to get ahold of anybody at all at this company.
Consumer complaint received 2016-05-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (NY)

My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX DOJ Consent Order targeting XXXX females in the XXXX County ( XXXX, New York ) area. Since XX/XX/XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX years old and every time my husband and I call, l we are always getting the run around about the account. There are major concernsAs of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the DOJ Consent Order filed on XXXX XXXX, XXXX. I 've enclosed both documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York State Law/Department of Justice and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all XXXX monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I met all requirements of depositing XXXX into a checking account and 1 ) leaving it for 2 months and 2 ) keeping the checking account for 90 days to receive promotional reward of {$600.00}.

I have not received the reward and its way passed the due date. I have reported this to citi and they keep saying they will work on it and its now been over the timeline of them promising a resolution.

Checking the internet it seems citi is known to not pay their promotion rewards. Please see attachment for objective evidence. Please assist
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NV)

I havent received a call from Barclays in months and their app isnt user friendly to make payments. I have contacted them in the past in reference to not allowing my bank account to be used. I have a hard time using technology their app isnt user friendly. Thats how I fell behind in the first place as well as I never received call about my account. I would like to settle my account but they have never gave me an option to do that.
Consumer complaint received 2019-02-07
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. (CO)

I have made several attempts to get incorrect information removed from my credit experian report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for an account that was closed in XXXX and was last paid on in XXXX. 
I have requested that experian validate and provide the copies of information to prove they have the right to put negative items on my credit report. On XX/XX/XXXX I call and emailed a copy of a letter from my Attorney that was sent to the Creditor ; XXXX XXXX XXXX 
Experian updated the dispute on XX/XX/XXXX again to show a negative mark and my credit report is still not correct. 
I can provide a copy of the letter from my Attorney.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MO)

Email sent to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX or XXXX Citi Bank account ending : XXXX Citi Executive Response Unit : Phone : XXXX Contact Person : XXXX XXXX gave no other reference ) XXXX XX/XX/XXXX Ref. # XXXX Subject : Urgent Assistance Required for Blocked Account Dear Citi Bank XXXX XXXX XXXX, I am writing to express my concern regarding my account ending in XXXX, which has been blocked for no apparent reason. Despite contacting customer service, I have not received a clear explanation for this action. 

I was informed that the funds in my account would be mailed to me via check within 60 days, as noted in the email I received on Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX This situation is causing me significant hardship, as I can not access recent deposits from my employer as well. 

It is important to note that these deposits were cleared after the account was marked for closure, as indicated in the email. Consequently, my employer can not reissue a check since Citi Bank accepted the deposit after the stated closure date. 

Additionally, I recently discovered that my E-check for rent was reversed, putting me in an embarrassing situation with my landlord. 

I would greatly appreciate your immediate assistance in resolving this matter as soon as possible. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX cc : XXXX XXXX
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

On XX/XX/XXXX I received a letter from Statebridge Company regarding my residential mortgage, Loan Number XXXX. This letter is dated XX/XX/XXXX and claims my payment for XX/XX/XXXX was never received. The letter also lists a payment amount due of {$2100.00}. Statebridge has received my payment for XX/XX/XXXX and has processed payment, according to my bank statement. The amount Statebridge is claiming to be the monthly payment due, {$2100.00}, is including an assessment for forced placed insurance. This has been an ongoing issue with this company, demanding payments already received and in amounts including insurance that was not necessary. My property has never been without insurance and Statebridge has confirmed receipt of proof of insurance. The confirmation of proof of insurance was communicated through a response to a previous complaint on this website, CFPB. The gross incompetence of Statebridge Company needs to be investigated immediately.I consider the handling of my account and the communications from Statebridge to be harassment and an attempt to fraud. The stamp used to mail this Late Notice is not the usual postage, but an actual " Forever '' stamp that would have been placed on the envelope by an individual.

The documented history of this issue, on this website ( CFPB ) shows behavior that confirms my claim of being a victim of fraud and harassment.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Flagstar bank mistakenly paid the real estate taxes on my property even though the loan agreement clearly states that I would pay the taxes and that there was no escrow requirement for taxes or any other expense. 
I paid the real estate taxes on time. 
Flagstar is increasing my payment to cover the taxes they paid in error. This is 100 % their error, yet they want me to reimburse them for the taxes they paid in error, and which I also paid to the tax collector. 
I have spoken with them 3 times and the first two times was told this would be resolved. Today they called me and said this is the resolution, that I reimburse them via a payment increase for the taxes they paid and have not received back from the tax collector. 
They at this point are unwilling to do anything different. 
My request has always been and still is that they take this off of my account and that they seek a refund from the tax department. The tax department shows an overpayment and they have said they will gladly refund the money to Flagstar upon their request.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Debt Relief Center (CA)

I received a letter from Debt Relief Center, XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX stattng I owe an estmated {$27000.00} in credit card debt, they can reduce it to {$13000.00} if I join their program and pay them {$400.00} a month. I do not owed anything close to {$27000.00} in credit card debt. Based on what I have read online, the phone number they give as a contact number - XXXX goes to a call center. I have filed a complaint with the XXXX XXXX XXXX. 
I have never heard of this business. Where they stole my information I donot know, yet.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018, I was looking to open a business credit card account. I went to the XXXX website and applied for a XXXX XXXX XXXX Credit Card. I entered the business information and Tax ID number and I was also asked to enter my social security number. Below where I was to enter my social security number appears a note that it will only be used to identify me and it will not be a hard inquiry on my credit report. After I finished my application, I was immediately approved since I have an excellent credit score. However, I also got an alert from credit monitoring service that I had a hard inquiry from XXXX on my personal credit report. I called XXXX and they said it is a normal process to get a credit report from my business credit as well as my personal credit. I told the representative about the note on the website and he said he would report it to someone at XXXX and they would try to change that. I was so upset I closed my business credit card account with XXXX on that phone call. Now there is no way to remove that hard inquiry from my credit report and I am asking that XXXX enter some note or something in my report indicating that this was in error and the inquiry was for business credit, not personal credit since this lowers my score a few points. Also, I am going to refinance a mortgage on my condominium and it will look like I have some other hidden credit account that they may want information on and that would delay any refinancing I am applying for. 

I appreciate your attention to this matter. Thank you.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Accounts, Inc. (MN)

Was never sent a letter in the mail, a phone call, was never notified of this debt that is allegedly owed. I found it on my credit report and called the company to discuss the account and my options for payment. I was never given the mini miranda on first contact with them. I also have never sent a letter regarding the debt. I also told the rep that the services for the debt were not rendered but instead a part of a contract I had signed for daycare services. I requested a settlement for this fact. The rep instead told me one would not be eligible because I told her was a contract. She then said she actually wasnt even handling the account but that someone named XXXX was and that XXXX would be filing litigation but she wasnt sure. The rep was very rude and her tone was not one of someone who would like to provide a consumer with customer service anyone deserves.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but  has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX  XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

So as I looked over my CF dated XX/XX/XXXX I saw an account XXXX XXXX  that reported a delinquency date of XX/XX/XXXX I called Transunion pointing this decrepency out and they continue to tell me that this is not correct but it clearly came from them. File number XXXX and by law this account has exceed the 7 year mark and should be deleted
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I was using cashapp for bills and other small payments between my roommates sent a friend money for food and cashapp immediately blocked the transaction and is now locking me out of my account i have made multiple attempts at contacting them to which they never replied if I didn't have money on the account it wouldn't be a big deal but I need my money my bills are now past due and I cant get a response doing some research online im not the only one that they are doing this too and it seems to be an ongoing problem please help I havent had access to my money in over a week