davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KeyBridge Medical Revenue Management (OH)

COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (FL)

threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I made a purchase with merchant XXXX XXXX it shows up on my statement as " THY XXXX '' for the amount of {$1000.00}. I received texts in XXXX and emails in XXXX from the merchant notifying me that my flight ( the service ) had been canceled. I informed my credit card CHASE company in XXXX or XXXX that the services I purchased were canceled and the services were never provided. I have been going back and forth with my credit card company and I am not understanding what the issue is. When someone buys a product or a service, the consumer is in every right to charge-back the item. Chase has not been helpful in trying to resolve this issue. XXXX  XXXX is being fraudulent by not providing me the service I purchased. Chase at that point needs to come in as my credit card company and communicate with the merchant to give me my money back.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (WA)

I have been a Comenity Bank customer for a few years and I hold a store card for XXXX women 's clothing store. Recently on XX/XX/XXXX, I received a letter from Comenity stating that they had decreased my credit limit by {$100.00}. The reason cited was that my credit score has gone down recently. Although I have not had any issues with Comenity Bank itself in my account ... I have been paying off my account steadily over the past year, so I don't understand why Comenity will run a credit check randomly and then decide because of my other credit accounts, which have absolutely nothing to do with my already established store account with Comenity, that my credit will be decreased. I am filing a complaint with the CFPB because I did not receive an advance notice that my credit limit will be decreased and I was not able to pay the amount down in time so that my current balance will be under the credit limit. 

As a result, I fear that Comenity Bank will use that minimal amount that is over the credit limit to then charge me over limit fees and then report my " over usage '' to the credit bureaus to cause a decline in my credit score. 

The same day that I received the notification letter is the same day that my store credit limit was decreased. I feel that this is a very shady business practice and I would hate for this to happen to anyone else.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect also with XXXX XXXX dispute # XXXX and XXXX  dispute # XXXX please have it removed.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NV)

The loan is with Comenity Club XXXX XXXX. Comenity Capital Bank. 
It was a loan to payed fro XXXX procedures. Opened in XX/XX/XXXX, for the amount of {$1500.00}. Account under my name, finishing in XXXX. 
There has being numerous late fees applied to this account, since the beginning, despite direct linked account to XXXX and latter to XXXX, both bank accounts they have being authorized and link to. 
During the pandemic, completely and lawfully ignoring the CARES ACT and despite numerous phone calls and secure messaging though their website asking for a relief, by only being behind on one payment they charged me overdraft fee and reported to the credit agencies. 
I have many writing communications with them though the secure messaging system complaining of all this. 
I notice that they just stop taking the payment in XXXX, with out any notice and I have being charged two late fees since then despite having access to the bank information they have being linked to since XX/XX/XXXX. 
Again not communication in any shape or form to let me know of any updates on my account.
Consumer complaint received 2019-10-18
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. (MA)

I relied upon the belief that you would do the honorable thing and remove your derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid charge-off which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely. 

I am quite confident that both you and a court of law will agree that such is a perfectly reasonable assumption for an average debtor to make. And so upon that assumption I agreed to pay the debt and in fact did whereupon you actually worsened my credit bureau scores and that was most definitely to my detriment and prejudice and provided me with grounds to sue you for the full amount paid plus attorneys fees, court costs and whatever additional punitive damages a jury might award me. 

Unless you move to cure your error and remove your derogatory remarks from my public records within 15 days of your receipt of this letter and provide proof of your cooperation with my demand in the form of mailing me a copy of your UDF which you transmitted to the credit bureaus demanding it's removal I shall immediately move to file against you in a court of law with jury trial demanded. 

I am quite well aware that you have a contractual agreement with the credit bureaus which covers this problem and supposedly prevents you from compliance with my demands but a contract which is in violation of the law is null and void and of no force and effect whatsoever and therefore can not be enforced either by you or upon you. Your so-called contract with the credit bureaus will not protect you for your willful violation of my rights which are protected by the Doctrine of Estoppel. 

Your failure to cure and provide me with proof of your having cured the problem within 15 days after your receipt of this letter will be considered sufficient reason to refer this matter to the courts for their resolution.
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (IL)

In XXXX 2014 I applied and was accepted for a XXXX XXXX Premier Rewards Visa Signature Card. I chose this card amongst others solely because the benefit of " Bonus Award Nights '' given the tradeoff of having a Hard Pull on my credit history and a {$75.00} annual fee due on my XXXX statement. Without warning, 6 months later XXXX XXXX and US Bank have pulled a bait and switch by removing the " Bonus Award Nights '' feature from the card, essentially wasting my Hard Pull and {$75.00} Annual Fee. This is bad business and not fair to the consumers thus I expect a fair outcome for everyone.
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XXXX, XXXX I brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, XXXX   responded that there was a discrepency in my SSN and what was on my report. I was to call XXXX  to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with Experian. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A debt collector is reporting the incorrect date of first delinquency on my credit report. I disputed the item and it was verified. In an effort to provide proof of the incorrect reporting to the debt collector, I requested in writing on XXXX/XXXX/15 via certified mail, to Transunion, a copy of the FCRA compliance date/date of first delinquency for the account in question. No where did I list the word dispute. This request was not a dispute. This was a REQUEST to TRANSUNION and not the debt collector. I enclosed a check in the amount of {$11.00}, which is supposed to be the processing fee for said request. I received in the mail a response to my " dispute '' which again was verified. I did not initiate a dispute and Transunion incorrectly initiated one. They sent the information to the debt collector for verification! They did not read my letter and did not attempt to provide the information I requested from them. When I called to request the status of the FCRA compliance date and ask why a dispute was initiated, I was referred to the Special Handling Department who did not understand how to assist me. I was routed to a call center in XXXX, where there is a language barrier and culture barrier. The representative was unable to assist me with my simple request. To date, I still have not received the information I requested, that is supposed to be available to the consumer should they ask for it. Transunion failed to read the request and provide the information I need. They also opened a dispute in which I did NOT REQUEST. However, they cashed me check!
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.
Consumer complaint received 2015-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Green & Sons Agency, Inc. (ID)

Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a XXXX card through Barclay bank 2 years ago. There was a fraud after the second time of use. I did not use until XXXX or XXXX 2015. Immediately, someone was using the card on XXXX XXXX. I got a phone call and email to remind me that was a possible fraud in XXXX, the amount is about {$110.00} for gasoline and pizza, while I was at home in XXXX. I called to confirm the fraud and asked to cancel the card. However, it was nightmare that the payment due reminder kept sending to me. I called more than 5 times to tell the bank that was fraud and the card was cancelled. It continued to email to me for more than 6 months. I also received tons of magazines but the name was not my name. I am not sure if they are related. 
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. Thanks.
Consumer complaint received 2016-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AL)

This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.