davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OR)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over XXXX  days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (NY)

I applied for a milestone credit card and was approved, credit limit XXXX. This was in XXXXXXXX XXXX XXXX were approaching XXXX and I still haven't gotten the card. I applied thru XXXX XXXX, although I was completely unaware and don't remember seeing there's a XXXX annual fee but nonetheless, after calling them atleast 5 times, and everytime it's a issue with my address that needed to be corrected and I'll get the card within 14 business days. They have said this atleast 3 to 4 times and I still haven't gotten the card. I just called them Monday and was told another 14 days I don't know if its a scam at this point.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (IL)

I have submitted three complaints XXXX, XXXX, XXXX and collector response was not a resolve to the issue to remove this debt from all credit bureaus. The collector stated it would remove once investigation was done and results were provided which is not needed. The collector has been aware of the fact by certified mail that the XXXX at XXXX were in litigation over this matter and has received dispute letters, court documents, and final decision then filed this fraudulent debt to all credit bureaus knowingly. No investigation is needed because the lakes at crossbridge has never provided collector with any valid information to support debt and since it was in litigation it should have never been filed originally anyway. This debt should be removed from credit reports immediately and is defamation of character as well as fraud
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank has called repeatedly for several years stating I had an overdraft with their bank. The last time I spoke with someone reporting to be from the bank, I advised the debt ( if any ) was past the statute of limitations. Today, I received a call from someone purporting to be representing Huntington National Bank, at the number XXXX. The company at this number states they are XXXX XXXX XXXX corporate office, and provided reference number XXXX. They stated Huntington Bank is sending documents to my address for a civil suit and judgement against me. According to this company, this is stemming from an account that has not seen activity since 2004. 
I advised the representative from this company to send me the information to validate the debt, but regardless, the statute of limitations on the account ( written contract ) is well past- this is a 20 year old debt, if I in fact even owe this. I am extremely frustrated, as I have never received any documentation supporting this supposed debt, regardless of how many times I have requested validation in writing. Additionally, I do not care to be threatened with being sued and garnished from a civil case that A ) is well past the statute of limitations on debt collection, and B ) I have yet to receive any documentation on.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023 I was notified by TD Bank of an Incoming Wire Transfer credit was to be credited into one of my accounts. The wire transfer was expected and was in the amount of {$7600.00}.

This wire transfer originated from the XXXX XXXX XXXX by order of their customer, XXXX XXXX XXXX XXXX 

When the funds were not credited to the expected account I went to the local TD Bank branch and spoke with Asst Mgr XXXX XXXX ( XXXX ). He contacted the TD wire department and was told that the funds had been rejected on XX/XX/2023 and returned to XXXX XXXX XXXX  via XXXX ( used as the clearinghouse for the funds ) As an explaination for the rejection ; The international wire transfer was not accepted because the funds were sent to my " non-transactional TD acccount. '' I had provided the SWIFT code and Fedwire ABA for wires that was asssociated and available with my TD account details ( I found no indication that I could not receive funds into this account AND this information is still associated to the account ). 

TD Bank had provided me notice of the incoming wire transfer but refuses to provide a notice of the funds being rejected. 

XXXX XXXX XXXX says they sent the money and request that I send documentation that the funds were returned. TD Bank WILL NOT provide documentation that they rejected the funds ( so I have documentation from TD of the incoming wire, but no documention of the rejection ). 

TD Bank and XXXX XXXX XXXX  both say they do not have the {$7600.00}. 

I have, and continue to try and find this money. Unfortunately the information need to track the funds is not available to me. I believe that the money is in the system, it is just a matter of finding someone who has the tools/ systems and the motivation to look.
Consumer complaint received 2024-01-25
Product: Credit 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: GOLDMAN SACHS BANK USA (PA)

XXXX {$180.00} & {$230.00} Purchase from XXXX XXXX XXXX Purchase was not made by myself or anyone in my household and I did not receive whatever it was ( product ) that was suppose to be purchased. 
XX/XX/XXXX caught these charges and disputed them. 
XX/XX/XXXX refunded me + {$180.00} Wrote them again about the charges XX/XX/XXXX refunded me + {$230.00} XX/XX/XXXX reversal {$230.00} XX/XX/XXXX dispute + {$230.00} XX/XX/XXXX reversal and charged {$180.00} XX/XX/XXXX Dispute - Provisional Adjustment Reversal- reversal charged {$230.00}. They are not refunding me {$230.00} and actually after I have done this the {$180.00} was put back on as well. 
Please help make sense of this. They have switched over to specialists several times during my chats and confusing me. I know the charges are still put on my account and they need removed.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

I run a small check cashing operation. I was depositing my regular batch along with my irs complaint owners draw. So a batch of about XXXX checks. Now my account is closed and my batch has vanished. But I was returned XXXX check that apparently made the other XXXX or so disappear. Chase bank. And I had a donation stolen by employees at secu located on XXXX XXXX XXXX. I was Attempting to better my busiystanding and was basically robbed
Consumer complaint received 2024-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (WA)

XXXX Central Portfolio Control XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given a surprise phone call by a debt collection agency representing XXXX XXXX XXXX for an ER visit involving my XXXX child. They are stating that I owe XXXX of unresolved debt. They refused to provide important a lot of information about their company and were very rude and even inappropriate. My XXXX  has multiple insurance agencies and XXXX XXXX refused to work with both my and my XXXX XXXX biological mother 's insurance agencies. We provided insurance information on multiple occasions and tried to resolve this debt. They have now tried to place me into collections after multiple good faith attempts to provide the adequate insurance information to these agencies. I feel that this is an unfair financial burden being placed upon myself and upon my XXXX XXXX biological mother and am requesting this agency to intervene in this unfair attempt to collect debt that should have been covered under my son 's insurance policies. Please investigate and help us rectify this injustice.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (VA)

I submitted alerts of charges for goods that were not received from XXXX XXXX stated most were in my favor but then an email with the final larger ones being denied saying that received proof I received the good which I did not. I have asked them per request of my attorney XXXX XXXX for the supporting evidence documentation the used for this outcome. They have not sent it they keep saying that they are sending it but have not. I am attaching proof of the conversation with them. They do all the disputes via text an email. Yet when I ask for a copy of the supporting evidence they say it can only be requested via snail mail.
Consumer complaint received 2024-07-25
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXXXXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. 

I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX.
Consumer complaint received 2024-01-25
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I'd ordered an XXXX  chair on line from a company called XXXX XXXX based in XXXX. XXXX paid for this chair was {$3400.00}. Their email indicated this chair will take about XXXX weeks. I'd waited till end of XXXX and send them email to ask about shipping information. I got an responding email in early XXXX and was told the item was shipped and check back later for tracking information. I'd send another email in mid XXXX asking for the tracking information. Then was told they CAN NOT provide one due to systems issues. I waited another week and send another email and was told someone will contact me and provide me with this tracking #. Then I don't hear from them after this. In XXXX I still HAVE NOT receive my chair and they DID NOT respond or provide me a tracking #. I filed a dispute with my credit card company ( Apple mastercard ). Then out of the blue, In mid XXXX I'd received an EMPTY ENVELOPE WITH NOTHING INSIDE but there's a tracking # on the envelope. This envelope postmarked XX/XX/XXXX. cost them XXXX pounds. according to USPS information. It's a small package and was put inside my mailbox. The chair I'd ordered weight XXXX XXXX. The box would have to be too big to put inside mailbox. I'd since have done some research about this company. They are a SCAM. I'd send all these information to Apple card but they based their finding on this XXXX  tracking #. Bottom line is : I DID NOT RECEIVE THE ITEM THAT I'D ORDERED! 

Sincerely,
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION (UT)

My mortgage is serviced by Regions Mortgage. I have paper delivery of documents. Regions will not let me see any of my mortgage statements including Tax documents or documents I previously had access to without canceling my paper statements. This is a relatively new change that I was not warned of or given an opportunity to opt out of. Even if I elect to forfeit paper documents I have to wait to see existing documents online. I feel like Regions Mortgage is holding me hostage. I am unable to file taxes without the information they will not let me see.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

From XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have received non stop called from different numbers from a company called portfolio recovery. I talked to one of the ladies and she was insanely rude and displeasent to talk to. All the numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

Transaction ID Number XXXX. Invoice number XXXX Stock number XXXX Invoice date XXXX Item title XXXX  XXXX XXXX Performance XXXX Selling price {$14000.00} Transfer payment Citibank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX account holder XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Account number XXXX Wiring-routings number XXXX Viewed auto on website. Completed contact form to view photos. Email sent with link to photos. Decided to purchase and sent payment from my bank to their bank by wire transfer. I believed the purchase was valid because it was going to a well known bank, Citibank. I made several contacts to XXXX XXXX .snd XXXX XXXX XXXX I was advised shipment was on the way and then delayed. After I did not receive additional contact, I contacted my bank and try to stop the wire transfer. Based on the disclaimer funds would be refunded if unsatisfied. My bank XXXX was unsuccessful in retrieving the payment from Citibank and Citibank never replied to the request, either to the bank, XXXX or myself. I submitted a claim with the FBI under form ICS. At this point, I dont know what my additional options are. I understand that it may be difficult or even impossible to retrieve my money, but I am willing to take every avenue necessary to do so.
Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (WA)

XX/XX/XXXX, XXXX Requested XXXX removal and was denied XX/XX/XXXX, XXXX Requested XXXX removal and was denied, request call back and never received a call from representative reviewing case. 

Both cases were denied because XXXX Loancare stated that I have not fulfilled the XXXX year XXXX XXXX XXXX payment schedule. XXXX Loancare also stated in their denial letter that the property has not met the XXXX  % XXXX criteria, which is false. I have provided comparable property values, assessed value, Initial HUD mortgage letter from XXXX their own assessed property value and an appeal letter with no response. 
Using their own criteria, as well as XXXX XXXX criteria, I have fulfilled the MIP payments, and it should be removed from my mortgage payment. XXXX is stating that I am required to now pay XXXX until XX/XX/year>. 
This is absolutely egregious, and XXXX is taking advantage of their customers and requiring them to pay twice as long on their XXXX even though they have met the requirements. 
I am hoping you will be able to help me with this removal of the XXXX This will save me a couple XXXX dollars a month and since I have already met the requirement, there is no reason to continue to pay this premium to XXXX.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX XXXX I returned home from work to check my mail. My mail had a credit card from Capital One which was a Capitol One Ventures Credit Card. The card has my name and was filed with my correct social security number and was done in Indiana where I am not from. Im from the XXXX and I did not apply for a credit card. I never activated the card. The card has my correct name which is weird because my name is not a common spelling and they have my middle initial. I called the Capitol One customer service line from the internet. The company has canceled the card and has launched a fraud investigation.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc. (IN)

I have submitted multiple requests to be contacted by management to receive help with preventing foreclosure. The representative that I am speaking to right now XX/XX/year> at XXXX stated that she is reading a letter that says that I can not afford mod payments, but I WAS NOT OFFERED MODIFICATION PAYMENTS AT ALL! I have NOT received any options and it took me writing a XXXX review before I started receiving generic letters by mail stating that help is available but is NOT BEING OFFERED TO ME!
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A. (MN)

Berman & Rabin , P.A . is in complete violation the Fair Debt Collection Practices Act ( FDCPA ) under federal law for using abusive, unfair and deceptive business practices against me by harassing me by phone, text, email and U.S. mail for a debt collection account and debt thats not my debt. I have never opened up an account or had financial services with XXXX XXXX The debt collection account and debt is not my account or debt. Creditor : XXXX XXXX File Number : XXXX