davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
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: CAVALRY INVESTMENTS, LLC (OH)

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Collins Asset Group, LLC (CA)

XX/XX/

18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  Re : Acct # XXXX  To Whom It May Concern : I AM THE VICTIM OF IDENTITY THEFT This letter is regarding a negative inaccurate account or accounts, which you claim I PURCHASED A CAR FROM YOU?? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with XXXX.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are due.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Hello. I have an American Express credit card. I receive the upgrade credit card from the company and will be rewarded with XXXX points if I complete the consumption within the specified time. I have upgraded and completed all requirements. But the company said it wouldn't give me XXXX points.
Consumer complaint received 2018-03-29
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. (CA)

Experian received my dispute regarding credit acceptance and they have not properly invistigated this credit acceptance mischievous behavior and dThis company responded addressing most documentation, credit acceptance has on file is fraudulent documentation, the employer they have on file is a company I never worked for, the signature 's on the contract are not mine, the bank statement from the financial institution is not mine and seems to be fake, I never banked at not until recently, however, the XXXX statement are mine, how this insitition has these statements are mind blowing, I absolutly have no idea how anyone had access to them, in addition, the address listed on these documents is not an address I ever resided at - ever document they have are fruadlent docuemnts put together in the effort to receive goods and services or financial gain. documentation properly themselves,
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MI)

I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this money.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XXXX XXXX XXXX XXXX XXXX worked with me on a loan modification I submitted the signed agreement to them multiple times Mail 2 times Fax 1 time Updated to their Document Upload on the web I received notice that they never received any of these which I find hard to believe. 

I have am mailing again tomorrow. I want them to honor the agreement.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

I have an account with Coinbase that I manage on my mobile phone. One time the phone got lost and I called in to lock the account. Then, after the phone was found, I am having a lot difficulties recovering my account and profile. It has been over 2 weeks since that happened and I can't get into my account and make any transactions. I contacted the company numerous times on this issue. Very frustrating since I missed a lot of opportunities with my funds. Please help me resolve this issue.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Davis and Goldmark, Inc. (PA)

On Friday, XX/XX/XXXX, a man named XXXX something called from XXXX. He asked for a specific person. I asked him what company he was calling from and what his name was and what this was in reference to. He refused to answer what he was calling about. Instead, he simply kept raising his voice, interrupting me as I tried to find out who he was and what the purpose of his call was. He continued badgering me with " Is this [ name of person ]. '' He became progressively more angry and confrontational -- - as I asked what this was about. He proceeded to insult and harass me with words to the effect that I needed to listen to him with my ears - as opposed to " some other part of my anatomy '' [ I am being polite ] that he alleged. I later looked up what entity that the phone number - XXXX - he was calling from is associated with and the following information came up : Davis and Goldmark XXXX. XXXX XXXX. XXXX, CA XXXX XXXX. 
I gave no permission for them to record me or the phone call. 
Davis and Goldmark is a collection agency. They were engaging in what I later discovered are the same harassing, yelling, intimidating, bottom-feeding tactics of collection agencies. 
I have never received any written correspondence from that company and until the harassing phone call I have never heard of this company. I advised the caller not to call ever again.
Consumer complaint received 2018-03-28
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. (MN)

I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/2015 XXXX XXXX XXXX ( Account ) # XXXX appeared on my equifax credit report with a balance of {$870.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA
Consumer complaint received 2018-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX, I sold virtual currency " XXXX XXXX '' valued at {$2900.00} USD through Coinbase.com, a cryptocurrency exchange. They have never deposited the money into my checking account and I have had repeated interactions with their customer service where I was given unresponsive, inaccurate, or incorrect information as to the status of this transaction. I have spoken with customer service representatives named XXXX, XXXX, and XXXX, and Supervisors named XXXX, XXXX, and XXXX. None of them have given me conclusive information as to the nature of the delay or when I can expect payment. As of XX/XX/XXXX, more than 3 months later, I have still not seen these funds and have no idea when I can expect to. The last interaction I had with Coinbase customer support, they indicated I might consider reaching out to their legal team.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (VA)

I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed this account because I did not recognize it. I have never done business with a company named PRA. All of the credit bureaus told me it was verified as accurate. They only send me two credit card statements. They did not send me anything that shows I am legally required to pay them. I don't just send out checks to everyone who sends me a bill in the mail! There are way too many companies out here ripping people off. I am not going to get ripped off by this company. I have already seen online where PRA has a history of cheating and ripping people off. What if XXXX comes back and tells me I did wrong and should have paid XXXX instead? I don't have the money to pay this two times I am not even sure this is mine. No one has done enough to show me it is. So, at XXXX an account was opened in my name some years ago. Now the only thing left of it is two computer-generated statements? Anyone could have made these. I can go on my computer and make statements in someone's name. That doesn't mean that person really owes the money.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (GA)

American Accounts & Advisers is fraudulently attempting to collect debts not owed. In response to my previous CFPB complaint ( XXXX ), American Accounts & Advisers stated that they have 5 collections accounts for 5 procedures at the XXXX XXXX XXXX. This is completely false, and I received verbal and written confirmation with XXXX Hospital today ( The XXXX XXXX XXXX is a division of XXXX Hospital ) that I only visited the XXXX XXXX XXXX 1 time, on XX/XX/12. This visit was paid for and there was no outstanding balance. There were not 5 visits as American Accounts & Advisers is fraudulently claiming. I have requested proof of these alleged office visits/procedures from American Accounts and Advisers, which they have failed to provide, because the 5 procedures were not performed. American Accounts & Advisers has also falsely claimed that they have sent 4 letters and attempted to call me regarding these fake debts, which they have not. This company is committing fraud and destroying my credit score in the process. The should be investigated for their corrupt practices. They should be able to provide proof of the 5 visits that they allege I owe payment for, but they can not because it is a lie. I have my file from XXXX Hospital which shows the 1 visit on XX/XX/12, and I will provide XXXX 's contact information so that my statements can be confirmed.