davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (WI)

On XX/XX/XXXX I had a tree that damaged my house and taking out my power lines of the house. And damaged to my siding, roof. Gutter. On XX/XX/XXXX I hire an contractor to replace of my electrical panel system outside and inside. On XX/XX/XXXX I received the check from my insurance company in both my name and specialize loan services my mortgage company. I endorse the check and send on XX/XX/XXXX next day services. Specialized Loan Service received it on XX/XX/XXXX. I called on XX/XX/XXXX to see the process time because the contractor is requesting the payment because the job is completed. I was told on XX/XX/XXXX and XX/XX/XXXX. That check is mailed out XX/XX/XXXX. On XX/XX/XXXX I called again following up because the contractor is calling requesting the payment. The representative stated this time the payment check was sent on XX/XX/XXXX. I been in my property for 25 years. And am very disappointed on how I been treated and unfairly treated by Specialized Loan Service. 
Their are still more damaged to the property that I will need contractors to come and come complete before the winter come. I cant scheduled if Im receiving this kind of services from my mortgage company. My contact information is XXXX XXXX or XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

PORTFOLIO RECOVERY is claiming I owe them {$5300.00}. I don't know who they are. I have asked them to validate this debt with verification of my signature and they have not. At no time have they validated their claim pursuant to 15USC 1692e ( 809 ).

Please tell them to remove this false and negative reporting which is against 15 USC 1692 2 ( a )
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

The company contacted me to say I had a past-due balance, although they would not state to what company the amount was owed. I requested a copy of any invoice or contract. The documentation they provided was a contract for credit card processing services for my business, however, neither company on the form handles my payment processing. I have no business relationship with either business on the form. They also provided invoices from a processing company which show no transactions occurred with this company, thus the company did not process any transactions for my business. 

The contract is dated XX/XX/year>, which is significant in that I had just experienced check check fraud prior to that date. A check was stolen, washed, and someone attempted to deposit it fraudulently. The contract provided by Caine Weiner has the same bank account number as the stolen check, however, I had closed this account a couple of weeks prior to the contract, due to the fraud ( at the bank 's request ). If I were truly signing a contract for new credit card processing services, wouldn't I use my new, current bank account number? Further, the signature on the contract is not mine and looks to be a poorly attempted forgery. I did not complete or sign this contract, it is a complete fraud.
Consumer complaint received 2024-06-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> wells fargo released {$1100.00} dollars of my XXXX to a state court order fee. I spoke with the agency that ordered the fee and they told me they asked wells fargo for the money and they haven't received it yet but if we're to be your XXXX money we can't take it. The gentleman i spoke to said we haven't received the money but if was withdrawn from your account then the bank is mailing the check towards us.with the inflation going on and gas prices I'm barely managing to make living with my funds. I really need help regaining my funds back.
Consumer complaint received 2018-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

After XXXX XXXX hit us in Puerto Rico last  XX/XX/XXXX that course Island wide devastation, the majority of local Bank and financing institution in Puerto Rico went publicly on T, V, and Radio to inform the they would be putting in effect a moratorium on there mortgage payments for all of local debs. Finally on XX/XX/XXXX, I finally meet with bank representative to discuss my case. At this meeting I was inform that since my mortgage was a veterans guarantee loan I would not have to worry for any monetary cost at all. After 5 months had transpired, second week of XX/XX/XXXX I received the notification that I have to pay my 5 months of mortgage, plus approximately {$800.00} in closing charges, something that was never inform by the Bank, and a practice not in accord in a disaster environment. I feel that I am being blackmail as well as discriminated by the Banco Popular of Puerto Rico. My mortgage account # XXXX XXXX  XXXX XXXX XXXX P.R. XXXX. The person that work my case was XXXX : XXXX XXXX and her supervisor and XXXX XXXX XXXX Senior Vice president Lending services.XXXX  -- XXXX. My Address is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX P.R.XXXX.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an RV Loan with Bank of America. I had been able to make my monthly payment and pay additional amounts to be applied to interest. My monthly payments are paid ahead until XX/XX/2025 and I learned just today on the phone B of A only allows you to pay 3 months in advance. First question I have, is this legal? 

Secondly, I am getting statements that are not accurate. When I have made a payment of {$2000.00}, my statement shows amounts applied to both principal and interest with the new balance being reduced by just the amount applied to principal. I have XXXX such statements. Today, I was informed by the bank associate that all of these {$2000.00} payments have been applied to principal however my balance does not support that.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Business checking account was closed due to " suspicious activity '' on XX/XX/2023. At the time of closing, I had {$16000.00} in the account. After a few days received a cashier 's check for {$100.00}. After multiple attempts to contact customer support and visited branch they requested documents from my other bank who sent the funds ( {$15000.00} ). I sent the documents but after Two weeks they still cant release my fund.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was told i was on a hardship plan of {$70.00} a month. All of a sudden this payment plan changed to a minimum payment without notifying me. When i made a hardship payment instead of the minimum payment i had no idea my credit score was lowered from XXXX to XXXX. 
I was decieved into making larger payments then penalyzed
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC. (PR)

XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.
Consumer complaint received 2018-03-08
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. (PR)

Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

" Subject : Unresolved Account Closure and Unfair Fees with Huntington National Bank To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint against Huntington National Bank regarding the prolonged and unsuccessful attempt to close my account. Despite my initial request on XX/XX/XXXX, the account remains open, and I have been charged undisclosed fees. 

After relocating outside the bank 's service area, I contacted Huntington National Bank to close my account. However, I was informed that the account was not successfully closed until I made a subsequent request two weeks later. A supervisor, XXXX, assured me that the account would be closed, but I continue to receive notifications of new fees and charges. 

I believe the bank has failed to honor my requests and is unfairly holding me accountable for these fees. I request your assistance in resolving this matter and ensuring that Huntington National Bank takes the necessary steps to close my account and waive the unjustified fees. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas. 
I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts. 
CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX. 
Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA. 
Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX. 
This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

In doing further research, I found out that my mobile carrier had a data breach which I was apart of. I was never made aware of it and this may lead to how this XXXX account being established without my knowledge. I have reached out to XXXX and they can do confirm any information. 
They can only tell me it has been sent to collection. XXXX can not verify the account because I have no knowledge of this account and can not give any information other than it was bought by Jefferson Capitol System. Furthermore I only found this out because I had applied for a XXXX credit card, I pay all my creditors and I was rejected to my surprise. 
I have reach out to XXXX XXXX XXXX in the last 2 month. Every call sends you to one prompted and then to another prompted and thinking you're in queue the system will hang up on, time and time again. I have given more than enough time trying to resolve this myself and now have decided to file this complaint. This is a fraudulent account has cause significant financial stress on myself.
Consumer complaint received 2018-03-06
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 — Investigation took more than 30 days
Company: LEXISNEXIS (PR)

On XX/XX/XXXX I sent a Certificate Letter to LexisNexis ( XXXX in order to validate the accuracy of the account which reported by US Bankruptcy Court negative information : US BANKRUPTCY Acc. # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Please, resolve this matter as soon as possible and thanks for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunbit, Inc. (MO)

I previously requested completion and return of W-9, Per 31 CFR 1010.230 - Beneficial ownership requirements for legal entity customers, I submitted the documentation with my assumed name certificate state of Missouri and a IRS approved 1099-C to cancel most of the allege debt, all were ignored by the CFO and management team.

I ask to stop calling daily, including Sunday morning. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. In addition SUNBIT is in violation of : 15 U.S. Code 78ff - Penalties, ( a ) Willful violations ; false and misleading statements ; ( b ) Failure to file information, documents, or reports; ( c ) Violations by issuers, officers, directors, stockholders, employees, or agents of issuers. 

18 U.S. Code 1341 - Frauds and swindles, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

18 U.S. Code 1343 - Fraud by wire, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both.
Consumer complaint received 2018-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

Have been disputing collection/chargeoff from XXXX XXXX XXXX who are stating the dispute is resolved and customer disagrees with the findings.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (VA)

I have been trying to get help from Sallie Mae regarding my loans for over a year now. I have called multiple times explaining to them that I can not afford the XXXX payment they have requested. I only make XXXX a month and I work XXXX XXXX. I have been doing everything in my power to make these payments but I can not anymore. I dont have the money or the capacity to make the payments. They are taking so much money from me that I am going to be homeless soon because I cant afford to pay rent. I dont have the option of moving home and i dont have anyone to help me. My father passed away while I was in college and my mother doesnt make enough money to help me either. The only option they gave me was to let me loans go delinquent and then the collections department would call me but they have made it very clear that even if they call me there is still nothing they can do. So my loans will be delinquent and ill have no way to repay them. I have been calling trying to speak to a hirer up but they wont let me. How am I going to pay Sallie mae when im homeless and lose my job because of it?
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (GA)

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  CHIME - XXXX XXXX  Reported : XXXX XXXX, XXXX These reporting errors on my credit, with SS ending in XXXX. These reports are false and incorrect, I want them removed as they are a violation of my fair credit report act. 
I have no knowledge of them nor did I apply or select those services. These are a violation of Section XXXX23 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute and The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As I am requesting these inquiries to be removed properly in a timely manner.
Consumer complaint received 2018-02-11
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: Army and Air Force Exchange Service (GU)

I am a XXXX XXXX XXXX XXXX and I have a Military Star Card credit card. The Military Star credit card program is administered by the Exchange Credit Program or ECP. The Army Airforce Exchange Service ( AAFES ) is custodian for the Exchange Credit Program Military Star Credit card. The ECP further reports the payment history and status of each military star card to XXXX  credit bureau. Although all other military servicemembers and veterans military star cards are reported monthly to XXXX, the military Exchange Credit Program and the Army Airforce Exchange Service continues to discriminate against me by willfully failing to report my Military Star Credit Card excellent credit history to XXXX. The ECP and XXXX administrators are willfully conducting unfair pattern and practice against my excellent military star card payment history further preventing its contribution to my XXXX  credit rating. The ECP and XXXX  further reported my Military Star card to Transunion but they added a fictitious late payments for XX/XX/XXXX and XX/XX/XXXX on my Transunion credit report as admonishment because of my complaints. My Star card is paid by automatic debit from my direct deposit checking account monthly and it is impossible to receive a late payment. My military star card has always been paid by direct debit from my direct deposit checking since it was opened.
Consumer complaint received 2024-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc. (CA)

I was in multiple medical situtions where i recived services but wasnt able to provide my medical card number due to my curcimstances. i most likely went to XXXX  so time went by from where i was able to provide insurance information now the debt has been kicked over to a debt collector AND i told them my sitution and that i coulndt pay because im currently XXXX XXXX but truly i dont feel i need to pay because i had insurance i got XXXX  after the case so due to the being the senerio i ask for forgiveness