davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (TX)

On XXXX XXXX XXXX, I used an ATM to withdraw {$300.00} USD from my account. The funds did not dispense, and instead an error code appeared on the screen. I got the attention of a clerk, and she in turn contacted her supervisor. They informed me that normally when the system updates overnight, the funds would return to the account. On XX/XX/, the funds were not returned to the account. I called the store and spoke with the manager. He in turn explained that their batch updated, and the count was off by {$300.00} USD. He informed me to file a dispute with my bank, and through the investigation process I would receive my money back. On XX/XX/XXXX, I got online to check the status, but it still showed in review. I contacted the store again to check to see if any documents or requests were received from my bank regarding this transaction, and I spoke with the XXXX XXXX. I was informed that no contact had been received from Current but confirmed the error affected my account. I relayed this information to Current XXXX, and I was told if the investigation with the dispute team was still ongoing by the XXXX business day, a provisional credit would be issued to the account while they continued to investigate. XX/XX/2023 was the date for that credit. I reached out to Current Support to confirm the credit was being placed in the account, and I was assured they would post the credit prior to the days end. At the end of the day, I reached out to support because the credit didnt post. I was then told they would escalate the issue to the dispute team for the reason why the credit wasnt applied and someone would reach out to me in 3-5 business days. On XX/XX/, I called support regarding the issue, and I was told there was no manager and the dispute team didnt have any contact information, but someone would email me the decision because the claim had not made it to the review process. XXXX hours later I received an email stating my claim was denied and if I want the documents that were used to deny the claim I have to request them. I contacted the store again, and they referred me to their AP department who in turn stated they have not received any documents from Current ; therefore, a request has never been submitted to process the claim as with others.
Consumer complaint received 2017-07-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I want to emphasize that the inclusion of XXXX reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the XXXX XXXX XXXX. This statute, which is part of the XXXX Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any XXXX  from this precise reporting not only XXXX  my financial integrity but also violates the legal protections afforded under this statute. It is XXXX XXXX XXXX this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-11-05
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. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION (MI)

My problem with First Merchants Bank is that they do not give me receipts when I withdraw large, or any, amount of money from my checking account. Today, XX/XX/2012, I withdrew {$1900.00} from my checking account. I received an envelope with the cash in it and no receipt. This is not a new problem. On many occasions, I am offered what they call a " balance '' receipt. This does not include a record of these present transactions, it just shows my account balance. I had an issue with a credit union a few weeks back. I had deposited {$1300.00} cash into my checking there and the cashier deposited it into someone else 's account. I made a Visa payment out of that checking account after that failed deposit and I was hit with plentiful fees, fines and penalty 's! The difference here is that, I had a receipt to show the bank manager so they could rectify the problem. First Merchants will tell you that they give receipts with transactions. This is a direct lie and misinformation. Ask them to prove that they printed " ANY '' receipt for my transaction today. I don't know why they will not do it, I don't really care if they want to be green and save paper! To the local First Merchants Bank, I am considered a troublemaker for asking for receipts. I don't know why this is, they are a financial institution and receipts are their business. I have formally complained about this issue several times but nobody from the bank seems to call me or care.
Consumer complaint received 2024-03-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

I made my payments for XXXX and XXXX. I never onces recieved any calls from them stating payments were missing and I never once recieved anything in the mail regarding missed payments. This company has never compromised with me about fixing the solution instead they sent paperwork to my work instead of me.
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (PA)

On XX/XX/, 2020, I opened an account at Gemini ( https : //gemini.com/ ) and submitted all identify verification information, including my social security number and a photo of my Driver 's License. At that time, since it looked like an interesting cryptocurrency platform, I referred 12 friends to Gemini via their referral program ( receive {$10.00} in BTC for each friend you refer after they buy or sell {$100.00} ). Shortly thereafter, I received a message that my account was frozen. As advised in that message, I contacted customer support by submitting a ticket at https : //support.gemini.com/hc/requests/new explaining that my account was frozen, and offering to provide whatever information is needed to unfreeze it.

Over the next two weeks, I submitted six different support requests via support tickets, via email to XXXX, and via phone to XXXX ( which just goes to a voicemail system ). I did not receive a single response until my sixth communication attempt on XX/XX/, 2020. I received a generic/boilerplate reply on that date as follows : -- - Hi XXXX, Thank you very much for your patience. 

Our Compliance team is diligently working through all registrations while maintaining the highest level of account validation standards to ensure the security of all of our users.

Please be sure that your submitted ID is a clear image of your Driver 's license ( US or XXXX residents only ) or passport as verification process as obscured or blurry images can cause delays to your verification. 

We truly appreciate your patience during this process and will notify you by email of any next steps. 

Onward and Upward, Gemini Customer Support -- - Then on XXXX XXXX, 2020, I received this email : -- - Hello, Due to a recent account review, Gemini has determined your account must be closed. At this time, we are not able to elaborate on the specifics for this decision. 

If your account contains a balance of USD and/or any supported digital assets, you will have 5 days from the receipt of this email to withdraw the entirety of your funds, at which point your account will be closed. 

If your account is closed and a balance remains, please email XXXX. 

Thank you, Team Gemini -- - Of course, my account is still frozen, so I'm unable to withdraw my approximately {$140.00} in funds. I sent a reply to that email requesting that they transfer my funds to a different BTC wallet, but I doubt I'll get a response before my account is closed in 5 days. 

Gemini appears to be a complete scam, convincing people to sign up, then stealing their money.
Consumer complaint received 2023-10-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I submitted an complaint on XX/XX/2023 with XXXX XXXX XXXX XXXX XXXX. 

I am requesting the Original Purchase Agreement from XXXX XXXX who was the original creditor with this debt, with all the terms and conditions. 

Please provide me with Original Purchase Agreement that your company ( FAIR COLLECTIONS & OUTSOURCING INC ) received from XXXX XXXX before you received this debt.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (LA)

I paid {$170.00} to my doctor 's office on XX/XX/XXXX ( cleared bank and posted to medical office account on XX/XX/XXXX ). This is a debt which I still believe is not owed but was willing to make payment so that it would not be reported on our credit report. 

Received 1st letter from Receivable Recovery on or near XX/XX/XXXX. Called the agency and informed them I did not believe I owed the debt and requested records from BOTH Receivable Recovery and the doctor 's office. I also informed Receivable Recovery that I would make payment in the meant time. To date, I have not received records from either entity. 

Received a call yesterday from Receivable Recover. Called them back and they told me I had not paid yet. ( Note that I had received multiple calls each day for a XXXX # with no voicemail on the Friday and Monday prior to speaking with them ). I informed them they were wrong and the operator proceeded to be very rude with me. I requested a supervisor and was sent to the voicemail. Immediately called the billing company for the doctor and was told that they showed the bill paid and that notice had been sent to the collection agency to that point. She assured me that they would send a second notice of payment to Receivable Recovery. 

Received another call today from Receivable Recovery that they had just received notice that the debt had in fact been paid in XX/XX/XXXX and to inform me that they were processing a deletion since it had been reported to the credit agencies. I am furious that this has been reported as the matter had been correctly taken care of. I spoke to a supervisor who was of absolutely no help. He basically said " We reported it, we are asking for a deletion, its over, not sure what you want me to do about it. '' I believe that this agency uses fraudulent practices in trying to collect debt. They are harassing and not willing to do what is asked of them. To date, I still have not received any documentation from them proving that we were notified that we had a past due balance with the doctor and would be sent to collections, nor that Receivable Recovery had attempted to contact us prior to the letter received in XX/XX/XXXX. ( They claim a letter was sent in XX/XX/XXXX. ) I was also informed by the supervisor that he did see where I had request an itemized statement, and that they had requested one from the doctor 's office ( because they accept files for collection WITHOUT a copy of the bill ), but that they never received it from the office. 

I maintain that I followed what was expected of me in 1 ) disputing the amount in question and 2 ) making a payment in the amount in question to the doctor 's office in order to prevent this from being reported while we tried to clarify the situation and Receivable Recovery did not do as they promised by reporting this to the credit agency while the debt was in dispute.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NC)

I maxed out my CitiBank/BestBuy credit card & was unable to make the monthly payments. The debt was charged off & reported to the Credit Bureau. I now have the funds to pay the debt & have been trying to do so since the end of XX/XX/year>. I was told there had been fraud reported & that I was not responsible for the debt. CitiBank also told me that it should not be reported to the Credit Bureau but it was & STILL is. This is preventing me from qualifying for a mortgage & it needs to be resolved yesterday! 
I've made numerous phone calls to CitiBank, talked with countless representatives & been transferred all over the planet to no avail. On XX/XX/year> at XXXX I requested to speak with a Supervisor & was transferred to XXXX XXXX ID # XXXX ). He was apologetic & said he was emailing the Fraud Dept to have the codes removed & it could take 5-7 business days. I've spoken with 7 additional representatives over the course of 7 more phone calls to follow up & try to get this resolved. Fast forward to today XX/XX/year> when I was transferred to XXXX ( ID # XXXX ) again. He told me that the Fraud Dept was working on it yada, XXXX, XXXX. I reminded him of our chat on XX/XX/year> at XXXX when he told me he was emailing the XXXX XXXX to get this resolved. He seemed stumped & admitted that he did not note my account & did not send the email! I told him he really dropped the ball & asked to speak with his supervisor. Not surprisingly, there was not one available. He offered me the mailing address to send a complaint to which I declined. I have never worked this hard to try & pay a debt. I never reported fraud of any kind. I owe this debt but this has been such a HUGE time consuming hassle! I feel CitiBank should waive the debt & remove it from my credit report IMMEDIATELY. Thank you for your time.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (OH)

In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding Jefferson Capital of {$1200.00} and XXXX XXXX XXXX in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.
Consumer complaint received 2024-04-17
Product: Credit reporting 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Request for Removal of Late Payment Entry from Capital One Account Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding late payment entries on my Capital One account. As per the information available, I encountered financial hardship during the period in question, which led to the late payments on my account. 

Account Information : Account Number : XXXX Account Type : Credit Card Status : Open Date Opened : XXXX XXXX, 2018 Due to the financial challenges I was facing at that time, I regrettably missed XXXX payments on my Capital One account. However, I want to highlight that I have since rectified these late payments as soon as my financial situation improved. I can provide documentation to support this if required. 

I am reaching out to the Consumer Financial Protection Bureau for assistance in having these late payment entries removed from my Capital One account. I believe that given the circumstances surrounding my financial hardship at the time and my commitment to resolving the outstanding payments, this action would be just and fair. 

I kindly request your intervention in this matter to help me rectify my credit report and improve my financial standing. Your support in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (NC)

15 usc 1692c ( c ) collections Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


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 2024-04-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I have reached out to the original leasing office and they never sent me my last bill through mail. XXXX One year later I see it in collections for {$1200.00}. I've called the collection agency miltiple times XXXX and they are very rude and say they can't find my information. 

I've disputed multiple times on my credit report with no avail. I've sent a written letter out and managed to get it off one credit report but not XXXX XXXX. XXXX I am currently homeless because of this and I don't know what else to do.
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (PA)

1. My realtor/escrow officer is having trouble getting the payoff quote. 

2. The mortgage servicer sent my account to their law firm AGAIN, and I AGAIN got a pre-foreclosure letter from them, EVEN THOUGH the XXXX XXXXXXXX Assistance fund PAID OFF MY ENTIRE DEBT UP TO XX/XX/XXXX on XX/XX/XXXX VIA WIRE. 

XXXX was paid approx {$8100.00} to cover what I owed them. 

I am supposed to close on selling this house XX/XX/XXXX, and these issues are jeopardizing the sale of this property. I need assistance ASAP
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment on the XX/XX/24 for XXXX then made a pay off payment for XX/XX/24 XXXX and these unprofessional company charge me another fee after account is paid off I spoken with a supervisor XXXX XXXX stated I have a XXXX Credit that was sent out in the form of a check and this account is done. However now the account is still charging me XXXX. XXXX!!! All I want is stop charging fees on a closed and paid off account period remove that XXXX and leave this account alone I dont want to do no more business with capital one
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

I noticed a collection post to my XXXX credit file effective XX/XX/2024 in the debt amount of {$10000.00} from IQ DATA INTERNATIONAL. 
Claiming to be from creditor ACCENT OF THE GALLERIA. This account was open fraudulently due to identity theft. I have NEVER lived at the address on this account. Please review all addresses in my XXXX CREDIT FILE. IVE NEVER LIVED THERE!!! PLEASE DELETE THIS ACCOUNT. IMMEDIATELY! I HAVE FILED A IDENTITY THEFT REPORT AND A POLICE REPORT ON THIS MATTER PLEASE REVIEW ATTACHED DOCUMENTS.