davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio America Asset Management, LLC (CA)

I have repeatedly explained to them it is not my debt I have filed numerous complaints on the site and they harass me with mail. The debt is not mine and was done in 2009 10 years the statue of limitations is up on this debt. I want it to stop it has been taken off my credit report as well as closed.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I notified Equifax to remove a old consumer statement from XXXX on my record and they say it will be removed within 72 hours or less it is now XX/XX/XXXX and the Consumer Statement is still on my Account after requesting 7 Times for the Consumer Statement to be removed! I need urgent assistance from the CFPB to completely Remove the Consumer Statement.
Consumer complaint received 2021-09-27
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. (WA)

There are XXXX duplicate accounts open on my Trans Union and XXXX XXXX XXXX by XXXX XXXX XXXX agency with the same account number and XXXX different amounts. I disputed them but the somehow the credit reporting agency 's determined they were valid? Not sure how that could be? The original account was opened on XX/XX/XXXX account # XXXX in the amount of {$450.00} dollars. The second account was opened on XX/XX/XXXX account # XXXX in the amount of {$460.00} dollars. I disputed these accounts again before sending you this complaint. Although as usual XXXX is having problems with their website. They need to be closed down there is nothing but problems with them. Please have these accounts removed. The credit reporting agency 's should not be able to get away with this. Please protect my rights as a consumer.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have been a working man and I family man my whole life. I have never had any issues in the past with paying our bills. My family and I went through some really tough time and lost our jobs do to the pandemic and COVID 19, it has truly been a massive struggle to survive. We are starting to get Back on our feet and able to make our payments but We have been calling for almost two months to try and resolve this issue with no result. They keep giving me the run around and tell me to check with them in A week or two. We applied for a plan that they are offering and have not gotten a response.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

A company by the name of Jefferson Capital Systems , LLC contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX but I've reached out to XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MD)

My account with TD Bank kept getting {$15.00} fees charged to me. After I contacted the management they informed me that if I kept over {$100.00} in my account there would be no fees. charged. I spoke with the manager at the XXXX MD branch and they reversed one of my three {$15.00} fees. The very next day after my account was credited they took another {$15.00} from my account on XXXX. They said no matter how much money I put into my account they would take another {$15.00} from me. It's automatic. The reason my account dropped below {$100.00} was due to them taking out the fees. This is a never-ending cycle. I lost over {$45.00} from their aggressive bank practice.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

I hope all is well I have called several times about the XXXX dispute for {$190.00} and the representatives keep putting it under the wrong dispute reason they are saying I dont authorize it or they gave me a credit for the shoes but neither is correct the reason for my dispute for the shoes they dont fit not the size I ordered, the box was open and damaged once received one shoe was very dirty and missing a shoe string. I really need to send these shoes back and my credit back. I have reached out to XXXX XXXX with no help. Can you please help me resolve this issue and get my credit of {$190.00} back? I dont know why the representative at CITI keep putting in the wrong dispute reason its like they are not listening. Thank for your time. Have a wonderful day and please be safe.
Consumer complaint received 2024-04-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I am writing to you asking for your assistance in dealing with an issue that I am having with Wells Fargo. 

On XX/XX/XXXX, Wells Fargo closed out my three accounts without my knowledge or consent. I was not aware that they had closed out the accounts, until I attempted to use my debit card. 

On multiple visits to different bank locations and numerous calls to Wells Fargo customer service, I was told they could not locate any account information for me. I do not have the dates for these visits and calls, but as stated there were numerous. 

I became concerned that my accounts with Wells Fargo had been scammed. 

I then requested my sister to assist with the matter and on XX/XX/XXXX, we placed a three-way call to a customer service rep at the XXXX. The rep advised that she could not help with the issue and provided a phone number of XXXX ( my sister and I confirmed the phone number, each writing it down at the time it was given. ) On XX/XX/XXXX, we placed a call to this number which turned out to be a non-working number. 
We then called Wells Fargo customer service XXXX. We were told that the previous customer service representative had given us erroneous information and that Wells Fargo did not have a phone number of XXXX. 

After researching our problem, the rep advised that cashiers checks were mailed to my street address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. She assured us that she would put a stop payment on the checks and that I could go to the branch at any time following our conversation and the branch would reissue other cashier 's checks for the balance of the three accounts. She also assured us there would be no problem doing this. 

When I followed up at the branch the next day on XX/XX/XXXX, I was again informed I had been given erroneous information and they could not issue the cashier 's checks on a closed account and even suggested that the only way to resolve this problem would likely involve hiring an attorney. 

On the same day, my sister and I made another call to the same 800 #. We were told that we had again had been given erroneous information. This time we were told that I needed to go back to the branch office and they would put a stop payment on the cashiers checks. The rep provided the cashiers check information ( check # s, serial numbers, amounts ) and advised if the banker had any problems to call XXXX XXXX and any representative could help. 

When I returned to the branch, the banker who assisted me called this phone number and was transferred 4 times before anyone could help us. However, I was given two options 1 ) pay 2 % of the check amounts for the stop pay ; 2 ) wait an additional 90 days to see if the checks showed up.

Neither one of these options is acceptable.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

To whom it may concern, We entered into a 12 month forbearance and when agreed to a loan modification after the forbearance period ended. The forbearance ended XX/XX/XXXX and we were told that our first payment will not be be due until XXXX  XXXX. When this was all agreed upon with our contact person at Shellpoint mortgage servicing, we received notification that Shellpoint mortgage servicing reported our account as 30 days late. The company did not tell us that a late payment will be reported if payment was not made in XXXX. I even asked our representative at the company and she told me that the loan modification begins on XX/XX/XXXX and no payment is due in XXXX. I have tried talking to them about this and they said that the forbearance ended XX/XX/XXXX so a late payment was reported because we didn't make a payment in XXXX even though I told our representative that she told me that no payment was due in XXXX. The explanations did not make any sense whatsoever. they said they send a letter in the mail, but I did receive any letter that confirms a late payment will be reported if payment was not made in XXXX especially since we had already worked on a loan modification.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

On XX/XX/2021, I sent in a request for validation to said Company CONVERGENT OUTSOURCING Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I called and made a payment on my Citi Best Buy card of {$50.00}, on Saturday XX/XX/XXXX, it cleared my bank on Monday XX/XX/XXXX. They show no payment being made. They said I have to fax proof of my payment, not just a statement, it must be an electronic transmittal form that I pick up from the bank. 
It may take 7-10 days to settle the dispute, which means my payment will be late and I will get a late fee. This card is also part of a fraud dispute, someone got ahold of my number and tried to charge {$1000.00}, which didnt go through, only because I didnt have the funds available. When I called them they said to check my account for other charges that I may not have done. I did find one other charge for {$99.00}. The representative that I spoke with on Saturday said she credited my account for the {$99.00}, and that my new balance reflected the credit. When I called today, I was told it is not instantly credited to my account and may take 7-10 days. So Im sure you can understand my frustration of finding out my card has been hacked, and being told it was credited instantly to my account, and then today when I call, my balance does not reflect the credit or my payment!
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met. 
NOW THE WAIT - Rcv bonus <= 140 days from opening. 

After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer. 
I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back. 
Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX account # XXXX date opened are different ; XXXX opened date is XX/XX/XXXX experian open date is XX/XX/XXXX XXXX opened date is XX/XX/XXXX high credit amounts are different. 
XXXX high credit is $ XXXX experian high credit amount is {$30000.00} equifax high credit amount is {$8300.00} last reported date are diffrent dates XXXX last reported date is XX/XX/XXXX / experian last reported date is XX/XX/XXXX equifax last reported date is XX/XX/XXXX please delete this account for multiply inaccuracies.
Consumer complaint received 2023-11-02
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. (NY)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Resurgent Capital Services L.P. (NY)

I am not sure how to report this complain so I chose the best one to fit my situation. I have disputed these alleged debts several times. There is one alleged debt that these two companies are reporting twice as derogatory accounts on my consumer reports. Lvnv funding & XXXX XXXX XXXX. These alleged debts are ruining my reputation as a consumer. As a natural person I have asked these two companies to validate the debts which they have not successfully provided me with this information after several attempts. Also they both are reporting this one alleged debts to many consumer reporting agencies without my written consent to do so. They are violating 3 of my rights as a consumer and also violating FCRA laws.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX at approximately XXXX XXXX  ct I called the Chase travel rewards customer service line ( XXXX ) to inquire about Chase 's credit card points being value at a 1 for 1 valuation. i.e transferring XXXX points at chase, would be worth the same amount of points and money at United Airlines. This was confirmed to me by Chase that this would be the case. This phone call lasted 8 minutes until approximately XXXXXXXX XXXX ct. 

on the same day at XXXX XXXX  I called United 's customer service line ( XXXX ) to inquire that what I was told by Chase during the previous phone call. The also confirmed that the points are valued the same at Chase and United. So that was confirmed twice in a matter of minutes, so I transferred XXXX Points to United for XXXX miles. I transferred the points to United because I am a XXXX XXXX XXXX XXXX XXXX  and United Airlines is a Chase partner and also provides discounts to veterans. 

Once I started to book my flight with United and after the points were transferred, the valuation of the points between United and Chase became apparent. The points valued at Chase and through their travel program are worth roughly {$1700.00}. The value of of the points at United are now showing as only {$1000.00} for a loss of {$700.00} to me. 

I immediately called Chase to have the transfer cancelled again at XXXX XXXX  on XX/XX/XXXX. A transfer request was submitted by Chase under reference # XXXX and was denied by Chase as all transfers were final with a decision being relayed on XX/XX/XXXX after XXXX XXXX  ct. 

I called both united and chase for compensation and to escalate the issue further. A call pull request was submitted on XX/XX/XXXX to verify that I was given misinformation and am now at a loss of {$700.00}. The Call pull request and resubmission of the complaint was submitted by " XXXX '', an employee of chase under reference # XXXX. I was told by her subordinate, " XXXX '' that they would be able to compensate me the difference in points, but when I spoke with XXXX, I was told they would do no such thing.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IL)

I was struggling to pay my car note and pay $ XXXX get the car fixed due to the computer system with the vehicle and I did a volunteer repossession and it took them 3 months to pickup the vehicle and they sold the vehicle and was still charged {$8000.00} remaining balance and my credit score went down so I couldn't purchase a new vehicle we I was told that I was in good standards with wells Fargo and it won't effect my credit score and it did.