davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

I sold my home and escrow wired a payoff to XXXX   via loancare. The wire was confirmed received on XX/XX/XXXX. On XX/XX/XXXX XXXX took out another mortgage payment from my checking account and then transferred my loan to another servicer, XXXX. I called XXXX to ask why was another payment taken out after my loan had been paid off the previous Friday. They said they only show the payment was received and that the loan was transferred. I then called my escrow company and they said the wire was not returned. I then called XXXX and they said they have no info of my loan to call back in 7 days. I am now missing $ XXXX approximately of my payoff monies, an additional {$1900.00} out of my checking account and my home is no longer in my name. I am sure RESPA requires XXXX to account for the monies that were wired to them on XX/XX/XXXX. XXXX refuses to provide me any info and simply tells me to call XXXX. No one knows where the $ XXXX went. I would believe this is in violation of RESPA law whereby servicers are required to account for all monies and be transparent.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I went into my bank Wells Fargo In XXXX on XXXX XXXX XXXX XXXX  to withdrawal cash from my account that I share with my daughter. I was then told that my account had been closed. When I asked why I was told that they could not give me that information and I sat with a rep who called into the customer service number. While on the phone with an agent ( XXXX ) from the collections department he also could not tell me why my account was being closed but he stated that they would be sending me a check for the remaining funds in my account. When I asked him for his customer service ID and information he refused to provide this. He confirmed that my check would be sent the follow day XX/XX/2019 and that he would be making notes in my file to make sure things were clear. 

When I called today XX/XX/XXXX to check on the progress of my check I was told by the new rep ( XXXX ) that they could not help me and that my refund check from my tax return ( {$2600.00} ) had been sent back to the IRS and that a check was never issued because my account was closed, When i informed her of the information the last rep told me she responded with a dismissive tone and just kept repeating that I would not be getting a check from Wells Fargo and there was nothing they could do. I asked to speak to a supervisor twice before I was transferred and got the same response from the supervisor. I have yet to be given an answer as to why my account was closed.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Outrageous service fees for recent financial records. {$5.00} for each statement for a total of more than {$180.00}. I need financial records for my father 's rep payee account and trust account. I supervised both accounts while he had XXXX XXXX. After he died Golden 1 automatically terminated both accounts before I could download the full records. I went into the local Golden 1 office. They printed only the most very recent financial records for me. When I requested all the financial documents going back to mid 2016 they told me they will charge me {$5.00} for each and every month! It is Outrageous that they turn simple access to relatively recent financial records into a gross profit making scheme. {$5.00} for the first month is one thing, but {$5.00} for each and every month is just plain thievery. These people are crooks. A {$180.00} for me is a big deal because I am XXXX and living on a fixed income.
Consumer complaint received 2019-04-02
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: JPMORGAN CHASE & CO. (NV)

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX   XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} Chase credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with Chase. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called Chase to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX XXXX XXXX in XXXX XXXX to XXXX a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from XXXX.
Consumer complaint received 2019-04-02
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. (NJ)

XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcome Inc, Inc is a collection agency sourced for XXXX XXXX  XXXX. I went to the Emergency Room in XX/XX/2017 for medical services. I provided my insurance at the time of the ER visit There were two different claims submitted, hospital stay ( General ) and ER physician billed separately. The " General '' portion of the claim was submitted within the approved time to my insurance carrier and it was paid. This includes all other billings for that date of service. The ER Physicians billing were submitted well outside of the 90 days, and it was denied by my insurance carrier. This collection company, Optimum Outcomes Inc was sourced to collect the unpaid portion of {$480.00}, the amount denied by my carrier. Optimum Outcome informed me that this was my responsibility because it was the remaining due for my ER visit. I paid the amount not understanding that this portion was rejected because it was not submitted to my carrier in the specified time of not to exceed 90 days. After finding this out, I contacting Optimum Outcomes Inc and they refused to issue a refund and said I would have to speak to XXXX XXXX XXXX regarding to resolve because the account was " closed out ''. They would not provide me with any contact information for the client, however instructed me to search the internet for a contact number. This is a bad practice as my claim was not submitted within the time given by insurance carrier. I wasn't responsible for late claim submission and Optimum Outcome Inc made it seems as if I had an open balance. A portion that my carrier did not cover. Optimum Outcome Inc collected on a claim that the medical provider didn't submit in a timely fashion, well after 90 days and was denied by my Insurance Carrier for that reason. They instructed me to pay the balance in full, and submit to my Insurance Provider for reimbursement. This is when I learned about the collection tactic that was used. The claim was denied in the beginning.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (NC)

This bill was with XXXX XXXX and the phone was stolen and I had insurance with XXXX XXXX, an the bill was taken care of, because I didn't continue service with them they are trying to collect. This took place about XXXX or XXXX.This bill has been paid in full and they are trying to collect something that I don't owe. Thanks
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (CA)

Capital Accounts never contacted me whatsoever about this debt they think I owe and then began to assess fees on the debt which has dramatically negatively impacted my credit score. 

My credit report ( that I had to pull to even discover this company 's actions against me ) shows the date opened as XX/XX/XXXX but that the debt was first reported XX/XX/XXXX with a {$490.00} balance. They began to assess fees against the debt in XX/XX/XXXX and have continued to report that to the credit agencies. 

I received no notice of my rights to dispute the debt from their company. I received no notice of anything from this company. I had to undertake sending a dispute letter to them after discovering the nearly 70 point drop in my credit score. 

Absolutely ridiculously unprofessional and likely illegal behavior.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credence Resource Management XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dear Credence Resource Management, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
2. Verification that you are licensed to collect debts in my state. 
3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
4. A complete payment history, detailing all payments made and any credits applied to the account. 
5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (FL)

I took out a debt consolidation loan in the amount of XXXX dollars from Lending Club Corporation, My payments are due in the amount of XXXX on the XXXX each month I used my Credit unions bill payer service to send my first pavement to be there on the XXXX the bank shows that the bank draft was mailed and sent there, however the lending club corporation says they did not get it, this is highly un likely as it was a bank draft sent directly to the company from my bank, I went ahead and put a stop payment on the check, and then sent another personal check overnight to the company and the United States Post office shows it was received and signed for by a representative of the company, The company is still showing they have not gotten my payment and is holding me as late grace period. I have called numerous times with no help from them whatsoever except they continue to suggest that I do automatic drafts from my checking account, I believe this company is practicing deceptive trade and credit reporting in an attempt to force consumers to allow them access to there personal checking accounts, as of writing this I am still in past due late status 24 hours after my payment was received
Consumer complaint received 2019-03-05
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: Credit Karma (FL)

Credit Karma reporting is very irresponsible. They put items on my file without investigation. I never receive verification they contacted the companies who are actually reporting about my credit with them If they had, I would not see companies I paid in full and cancelled their credit cards appearing back in my file with balances. This type of lack of reporting accurately has cost me to lose XXXX points within the last 20 days and they need to be held accountable for their total disregard of repirting accurate information.
Consumer complaint received 2019-03-05
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. (FL)

XXXX, XXXX XXXX, Experiann and XXXX XXXX has cost me to lose XXXX POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (MD)

I was noticing a few days before my direct deposit was supposed post I tried to open my account using my phone and on the computer and I couldn't open my account at all. XX/XX/XXXX ( Thursday ) I  called the bank to find out why I couldn't open my account that is when I found out that there was a write of garnishment of property on checking account. I called Cavalry Portfolio Services and spoke to a women ( do not recall the name ) who answered the phone and taken my up dated information and I ask her why didn't they go thru HR with DoD which I've been employed for the past XXXX and not XXXX which was a part job which I have not work for in over a XXXX XXXX she said they couldn't locate me and that was very hard to believe. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County I spoke with an appointed court attorney explain to them ( her ) that I didn't know a third party company could block my bank account from any debits from my bank account until the entire amount is paid, I have no money to pay any of my bills. I was asked to get copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX MD XXXX. 

My concern is this form is the exact form submitted on XX/XX/XXXX .... nine years ago and now submitted again without even trying to locate me or thru the HR department at XXXX XXXX XXXX XXXX where I've been the last XXXX know, I believe this was purposely done, not to collect the amount XXXX XXXX purchased it for but the interest for the past nine years included. 

Know the other problem I have with this Writ of Summons is .... I was living in XXXX Va. at XXXX XXXX XXXX XXXXXXXX XXXX during time they said I was served or summons ( I have attachments of w-2 form ) and I didn't find it in my last year credit report and I request another for this year. I also believe this account is not mines and I say that because XXXX I was living in XXXX Va. I just do not remember this account .... if my name is attached to this account it may be fraudulent someone may have gotten my info ... really don't believe this my account I just do not remember. is why wait so long and why not for thru my job where I've been employed for the past XXXX? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money form my medication just had XXXX XX/XX/XXXX from my XXXX reversal. 

This type aggression to collect debt that is not initially there is very destructive and emphatically unmoral worse than sharks ... this is " tort ''
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Paid credit card payment 3 weeks before due date, XX/XX/XXXX. I noticed it never got credited. Due date was XX/XX/XXXX. I called and spoke to several different people at XXXX, several different days. Finally spoke with a manager, XXXX who found that they posted it to my PayPal MasterCard instead of my XXXX MasterCard. XXXX said give it 48 hours to be moved. As of today, XX/XX/XXXX, it stil hasn't posted. Yesterday, XX/XX/XXXX, I called again to synchrony Bank and spoke with XXXX in customer service, who told me it wasn't posted. I asked for another manager & spoke with XXXX who said he read all of the notes, which he said were MANY. Puzzles me because how hard is it to move a payment? XXXX-advised he read the notes on my account state it went to corporate office but not why. They had charged me a late fee but XXXX reversed it. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX spending an extensive amount of time only to be told excuses although XXXX indicated last week she saw the proof of ei sent 2 weeks ago. So, I ask you whats the problem? What does their corporate office need to be involved for?
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC is not providing clear information about all the fees for the account.

I suggest you simply go to http : //www.us.hsbc.com and try to find yourself the fees for the Choice Checking. If you go to this product page at https : //www.us.hsbc.comXXXX, you will not find a single link to the complete fee table.

This is an absurd. It should be very visible and accessible.

I had to contact the bank to have access to this information, that should be easily available. I ended finding the link : https : //www.us.hsbc.comXXXX  However it does not clearly state how much is it a transfer to my own account in a different bank.

When I attempted to the transaction, no fee was displayed - however knowing how disorganized HSBC is, I can't trust no fee will be charged.

There is a reason why I actually no longer use this bank.