davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to formally lodge a complaint against XXXX, one of the major credit reporting agencies, for allowing an unauthorized and unverified debt collection entry on my credit report by Portfolio Recovery. 

I recently discovered that Portfolio Recovery has reported a collection account on my credit report managed by XXXX. This action has been taken without my prior knowledge, consent, or any form of communication from Portfolio Recovery 's end. I have never been contacted by Portfolio Recovery regarding any debt, nor have I ever engaged in any form of transaction or agreement that would warrant such a collection notice. 

Furthermore, I firmly believe that this collection entry is erroneous as I do not owe any debt to Portfolio Recovery. The lack of initial communication and verification from Portfolio Recovery 's side before reporting to XXXX is concerning and, I believe, a violation of my consumer rights. 

This unverified and unauthorized entry on my credit report has caused me undue stress and may potentially harm my creditworthiness and financial reputation. Therefore, I request the following actions : A thorough investigation into this matter by XXXX and the immediate removal of the collection entry from my credit report if it is found to be unsubstantiated. 
Assurance that such incidents will not recur, and my consumer rights will be duly respected and protected. 
A written confirmation from XXXX and Portfolio Recovery regarding the resolution of this complaint. 
I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a prompt and fair resolution. I am prepared to provide any additional information or documentation as required. If this is a violation I want to sue! 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
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. (FL)

On XX/XX/2024 at XXXX I called to try to resolve a collection with midland funding. I was told I owe XXXX and its with a collection and any information will be used against me.i offered to settle the account I told The representative that I can afforded XXXX to settle account then he started yelling at me and threatened me that he will forward this to judgment where I could be arrested I repeated my self and asked him again what he meant he said it depend on your state but I could be arrested or have a judgment against me to garnish me wage or take legal action against me. Which in my understanding under the fair credit act they cant threatened me or make me feel intimidated. I am asking and reporting this unfair behavior and Im asking to remove this debt from my report I didnt know I had such a credit card with XXXX XXXX and I am not sure who used it or applied for it.
Consumer complaint received 2024-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

Shellpoint Mortgage Servicing has made many adjustments to my mortgage loan without explanation of the changes. On XX/XX/XXXX, a letter was received that Shellpoint imposed lender-placed wind insurance on my property. The annual premium for the lender-placed insurance is {$2700.00}. Shellpoint Mortgage Servicing paid a disbursement for this premium on XX/XX/XXXX of {$1100.00}. On XX/XX/XXXX, documentation was given to Shellpoint Mortgage showing proof of wind insurance from my HOA. Shellpoint only issued a refund of {$230.00} to my escrow account. Shellpoint XXXX then completed an escrow analysis on my property increasing my mortgage by almost {$300.00}. Shellpoint did not give an explanation for the initial disbursement payment ( dates of coverage, how the number was obtained, etc. ). 

Below are current questions/issues found with the errors that should be clarified/fixed : Shellpoint Mortgage did not give information about the premium being disbursed Shellpoint Mortgage gave an incorrect refund amount after proof of insurance was provided. 
My property is a townhome, which Shellpoint mortgage is aware of, and which the HOA covers wind insurance. Townhomes are covered under an HO-6 policy. 
The mortgage sold by XXXX XXXX to Shellpoint Mortgage, did not require wind insurance yet Shellpoint Mortgage requires wind insurance with no explanation. I have been asking for information for about 4 months now and still have not received any information. I sent a notice of error on XXXX XXXX with no further response.
Consumer complaint received 2024-01-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX 1 year CD in amount of {$50000.00} matured. They were contacted by phone by myself at that time and told to issue a check for the balance which was {$50000.00}. I was told that I should receive the payment by mail in 10-15 days. No payment was received. 
XX/XX/XXXX ( approximately ) I contacted them again and told them I have not received the check. I confirmed my address and they said they would stop payment on check and issue another one and I would receive it in another 10-15 days. 
XX/XX/XXXX after not receiving anything I called again. They said they had the wrong address and they would start an investigation. They would not divulge what that address was only that it was wrong. It is impossible to believe as I have received monthly interest checks for this account for the last 12 months with no problem. Additionally all mail correspondences from Citibank have come to my correct address. They said they would stop payment and issue me another check. 
XX/XX/XXXX after not receiving anything I called and they said they would send out a third payment via XXXX expedited service and would get the check in 24-48 hours. 
XX/XX/XXXX I called again after not receiving anything and they said that they did not send out the payment with expedited service because they were dealing with the cancelled first two payments. Now they say they will again send out payment with expedited service and I would receive my check in 24-48 hours once again. 
XX/XX/XXXX after not receiving anything I called again. They said they had to check with the back-office to see where the check was. Once that was done, they would expedite 24-28 hrs. No check received. 
XX/XX/XXXX Called again. No check sent, still checking with back-office. Indicated it would take another 10-15 days from XX/XX/XXXX. 

Even though, they state they take " notes '' as to each phone call I make to them, they have not knowledge of previous service reps claiming any type of expedited service. Although they claim that each phone call is recorded, they never have the ability to go back and listen to what was said by the previous reps that I have spoken with. I have lost 2 months of interest on this money and I do not know if, when or at all I will ever receive my money from them. They repeatedly tell me to visit my local bank branch. I keep informing them that there are no local branches for Citibank here in AZ. In attempting to contact a manager at a local branch in New York I have called twice and left messages with no one ever getting back to me.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (KY)

To whom it XXXX  concern, I am writing to file a complaint against Current Bank for fraudulent transactions and poor customer service. I have been a loyal customer of this bank for many years, but I have recently experienced a serious problem that has caused me financial and emotional distress. 

In XXXX, I noticed several unauthorized transactions on my bank account that totaled over {$4000.00}. I was shocked and alarmed by this discovery, as I had trusted the bank to protect my money. I immediately contacted the bank to report the fraud and request a refund, but I was met with indifference and disrespect. 

The bank did not inform me of any suspicious activities on my account, as they are supposed to do. They also refused to provide me with their phone number, even though I explained that I have a XXXX XXXX and need to speak to a representative. They told me to resolve the issue online, which was very difficult and frustrating for me. 

The bank 's failure to address this issue has left me with the burden of dealing with the fraud on my own. I have lost a significant amount of money and suffered a lot of stress. I feel that the bank has violated my consumer rights and betrayed my trust.
Consumer complaint received 2024-01-07
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CCF Intermediate Holdings LLC (OR)

Rapid Cash had took there payment, Which I was going to have that paid to them in person, because I told them I've had problems before with theft on my Debit cards before to please not take it!? But they hacked my whole pay check of {$910.00} was all Drained before I can get to them, because At XXXX at that time is when XXXX XXXXXXXX are posted, and there is no buses to get anywhere at that time. So they wasn't suppose to take without permission, and no one is to unless they are authorized to! Thanks but no I've recieved a letter from Rapid Cash in the mail before the Holidays that they refunded the amount of {$250.00} back to my account! Huh? No there is not a Balance of XXXX on account! Because I have not seen that money, and there for that account XXXX XXXX Customer service close account concerning this problem so what?! Acc. And there for not seen any money, And for one Why? And for you took take payment that is yours then send me a letter to me,??! That it was put back??! Why? So you comply that It will go to collections agency!!?? Well that wasn't my fault!
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Discover entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2023-03-21
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. (KS)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

In XXXX of XXXX I opened an account with XXXX for a title loan on my vehicle ( roughly {$10000.00} ). The fee schedule was explained to me loosely and never once was I told that with late payments the balance on said loan would increase and no difference would actually be made on total owed AFTER payments are made. In XXXX of XXXX I called to get a payoff quote and found the amount has not changed, additional months had been added to the end of my agreed upon extensions, and that there was no end in sight to actually pay it off. Loanmart charges near 100 % interest which I believe is illegal. They got almost {$20000.00} for my {$10000.00} loan in 2 years, and still quickly repossessed the vehicle once payments were behind. Not even 60 days delinquent.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

I have bought a {$100.00} Debit visa ( OneVanila ) card # XXXX XXXX XXXX XXXX expires XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX, it was useless. 
Contacted customer service a lot of times, thay Asked for my personal identity which I gave them. 
After several emails in more than one year, they approved ( photo attached ). 
By following up more than a year, they send a new card XXXX XXXX XXXX XXXX To my Friend Address in USA according to their request which I had to give them. 
The new CARD is USLEES!!?. 
My Complains are : They have my identity info, and I am very worried. 
They have vested my time I want my money {$100.00} back I want Gov. punish them
Consumer complaint received 2024-01-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Glacier Bancorp Inc. (CO)

Weve been working with XXXX XXXX in XXXX XXXX on an XXXX loan since this summer. Throughout this time we have struggled with XXXX XXXX timeliness to communicate, respond to our questions and his overall lack of asking questions. Hes been provided with our financials and until we demanded to have an in person meeting he was under the impression that we made significantly less money than he was provided. 

I understand that he has had some major family issues but the lack of communication has been throughout this process months before his daughter was ill. 

Many times Ive called the bank and hes not even at the bank, hes out of the office for various reasons. 

Weve had to change our closing date because of XXXX lack of dedication to prioritize us. 

After our face to face meeting XXXX assured us he would have the appraisal ordered for our building before the end of the year. Today is XX/XX/XXXX and we have no information on what's going on with our loan or with our appraisal. 

My husband has also called and emailed as it seems that speaking to men seems to motivate him more than communicating with a woman. 

Ive asked XXXX if there is a back up person who we can speak to since getting in contact with him has been so difficult and again we havent heard anything back. 

As of today we are receiving word from the owner 's realtor that they are not planning on extending our contract again. I am very frustrated with how this process has gone and the overall lack of communication. The only time we speak with XXXX is when we have called him several times and asked for updates. 

I have several emails Ive sent to XXXX asking for updates, asking for clarification and even an email from him indicating he didnt need anything more from us only to find out in our in person meeting that there was more information needed from us. 

Something even more alarming is other people and loan supervisors were aware that XXXX was having problems and no one reached out to anyone on his caseload. This doesnt seem ethical or how a business should be run. 

XXXX  lack of prioritization of our loan has impacted my business and my family greatly. 

Our loan officer was out of the office again the week of XXXX and this is when a supervisor discovered that our paperwork had been misplaced, we werent even in the system and we had made no progress on our loan. We had a closing date of XX/XX/XXXX. Nothing had been done on our loan. 

This bank had a fiduciary responsibility to us and to our business and it seems that they sabotaged us intentionally.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023, American Express confirmed receiving negotiable Instrument NOT ( a company check ) payment for {$10000.00}. On XX/XX/2023, the payment was reversed because they identified the payment was made with an invalid payment instrument. however, they communicated that the negotiable instrument was returned due to it being denied by the bank, it was requested that they return the instrument and send letter of denial from third party financial institution and as of to-date I have not received either. 
As for the 1099a this form of payment was in credits from the Internal Revenue Services and was accepted and sent to American Express, if the credits have been returned, please provide me with the IRS form used, according to the IRS to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits. 
For American Express to credit my account AND send to negotiable instrument back so I can address the issue with the payment, it's only fair to return it and allow me to address the issue and fix it. If they aren't willing to return the negotiable instrument then credit my account because they have acknowledged of receipt of tender, the fair solution is to credit the account until they can provide proof of the denial of the bank letter or credit from the account of the 1099a from the acceptance from the internal revenue service.
Consumer complaint received 2024-01-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

Was approved for a loan towards dental work on my teeth however I explained to them I never got the work done? I sat down with an employee at the dentist and they asked me if I wanted to see how much I can qualify towards getting my root canal..I got the approval amount however I never ever got the work done on my teeth at all? I explained this as well disputed this credit report as it appears on my credit in which is causing my credit score to decrease.

Something has to be done Im being held for a amount when I never got my teeth worked on
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America makes it impossible to close an account. There's no method of doing so online, and when I try to call in and say I want to close my account it puts me on hold indefinitely ( it's been just about a full hour listening to the same annoying marketing message on fast repeat ). They obviously have the means to hire as much call center staff as they seem appropriate, so to me it seems like they're intentionally keeping staff on non-revenue generating actions like account closure slim on purpose. If they want to maximize their profits and refuse to hire more staff, they should at least let us close our accounts via the website. Wasting time having to go into a branch and wait in line there is not a reasonable thing to force us to do in XXXX  when everything can be done online.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (GA)

Barclays XXXX XXXX XXXX XXXX XXXX keeps lowering my credit limit for no reason. I have never missed a payment, always make more than the minimum payment and have the income to support the credit card. I can only assume that there is an issue with age and gender discrimination.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

On XXXX XXXX my bank made an electronic payment of the entire amount due. On my XXXX statement, ONCE AGAIN, the payment has not been applied. But late fees and interest have been. MARCUS NEEDS TO SOLVE THEIR PROBLEMS ALREADY! This is not acceptable.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This company keeps maliciously messing up my credit report. Every time I disputed they lie and say that I didnt pay it I have receipts I have here. My police report attached to this company, affirm their maliciously and keep derogatory information on my credit report after I paid them, they keep saying that the information is not accurate when it is, I have proof of payments from my bank statements.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

Equifax shows an account in collections for {$360.00} yet the report reads, Creditor Contact : Not Available, Original : Not Available. This is a violation of my consumer rights not to have the contact information available on my report. I pulled my credit report today and it reads the same information. I wrote Equifax a letter on XX/XX/XXXX and received no response. I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX stating Equifax verified the account as accurate. This does not make sense. No action has been taken as the inaccurate information is still on display.