davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on  occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one auto and finance continues to claim I owe a debt to them when it was ALL amounts in total were settled by the US TREASURY department, and a XXXX was filed under the auto loan amount and sent notice to capital one. The accounts reflect negative reporting which is unlawful by the codes under usc consumer credit reporting act. I've also notified capital one to fulfill their fiduciary obligation to consumer credit accounts according to XXXX XXXX XXXX all credit amounts and interest is to be paid to the consumer- which they have not complied with as of 3 days post notice of action to repay the credit owed to me from ALL consumer accounts had with capital one.
Consumer complaint received 2020-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-07
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. (CA)

XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called Experian, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (WI)

We are not currently in foreclosure and have applied to XXXX XXXX  to prevent anything while My wife, XXXX yer old, XXXX XXXX XXXX, XXXX XXXX old and myself all have XXXX and XXXX. Issue I am having is we are trying to sell the house and company used a XXXX party service to threaten to change locks and charge me money to upkeep the house that I drag myself to every other day, if I can, to clean and keep up on. They did this under the guise of " protecting the home. '' Which I am already doing and the company they used XXXX XXXX has documented instance of breaking into homes that are for sale to do this " service. '' This feel like another way to squeeze money out of people in hardship.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

LOAN NUMBER XXXX MY MORTGAGE LOAN WAS TRANSFERRED TO SPS IN UTAH AS A NEW SERVICER ACCORDING TO XXXX LETTER IN XX/XX/2020. 
SPS REFUSED TO DIRECT BILL TO XXXX XXXX FOR MY HOME INSURANCE AND CREATING ANOTHER SPS FRAUD. 


Sent : Tuesday, XX/XX/2020 at XXXX XXXX From : XXXX To : XXXX  XXXX Subject : My Coverage Info Information Received Thank you for submitting your document ( s ) using MyCoverageInfo.com/sps. This email is to provide confirmation that your information has been received. Please do not reply to this message. 
*********************************************************************************This e-mail message and all attachments transmitted with it may contain legally privileged and/or confidential information intended solely for the use of the addressee ( s ). If the reader of this message is not the intended recipient, you are hereby notified that any reading, dissemination, distribution, copying, forwarding or other use of this message or its attachments is strictly prohibited. If you have received this message in error, please notify the sender immediately and delete this message and all copies and backups thereof. Thank you. XXXX XXXX also USPS mailed twice ( 2 ) my property insurance Binder to Alleged Select Portfolio Servicing Inc & Its Successors Or Assigns. XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2017-01-25
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: AMA Advisors, LLC. (VA)

Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Discover and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I was promised by a VP at US Bank on XX/XX/20 that they would remove the negative entry and they did not do so. Please see the email they sent me below. 
XXXX Hello XXXX the Credit Bureau Negative Entry removal was submitted on XX/XX/20 by our cardmember services team and has a case # of XXXX. Please feel free to connect if you need anything else or do not see any movement on the Credit Bureau by XX/XX/20. 

Thanks! 

XXXX XXXX XXXX Vice President | District Manager | XXXX XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mutual Management Services LLC (NC)

I am requesting that this claim be removed from my credit report. 
I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 
2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. 
The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you verified the accuracy of this alleged debt, but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.According to the law, you must comply when a consumer requests a debt validation letter. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. You only have within 7 days to complete this request, failingthat, you need to clear my records.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (MN)

On XX/XX/2020 I was trying to transfer {$20000.00} dollars to my XXXX XXXX  XXXX  account ; XXXX XXXX XXXX  XXXX XXXX. It turns out that inorder to put U.S. Dollars into my account there, it is a differant set of account numbers, then what the account is titled. The transfer was rejected and supposedly sitting in New York. U.S. Bank had put a tracer on the transaction on XXXX XXXX and has yet to return my money. I have been working with US Bank VP XXXX XXXX for the original transaction and follow up. He assured me the money is in NY and nothing to worry about. 6 weeks later and nothing has been returned.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax should not be reporting that I am ( 120 ) days late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (WI)

I was a customer of XXXX XXXX XXXX. My aligners did not fit properly. I called and it took a couple months of calling and hang ups for them to finally answer. They sent me a new impression kit. A week later filed bankruptcy. The service was supposed to be lifetime warranty. I never received services provided as the retainers didnt fit. They are partnered with XXXX XXXX XXXX ( XXXX ) they are saying I owe XXXX, I have already paid XXXX. They are threatening to send me to collections. I have excellent credit. I also dont think I should have to pay for services that werent provided.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Resolution, Incorporated (WA)

Today alone I was threatened w/ police arriving to my home. I was called five times and hung up on each time ; when I called the number back, the woman said she was calling the authorities to check on my mental state because I refused to acknowledge a debt. 

I was verbally threatened and harassed, and threatened. Why is this happening without those creeps being held accountable for harassment!?
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

I am the primary card holder on a my BJ 's Credit card formerly issued by Comenity bank but now Bread Financial. My spouse is secondary owner and his credit card expired in XXXX. I've been trying to get a new card for him since XXXX with no success. 

Initially my spouse submitted his request on the credit card website to which they said it would take 7-10 days to get to, unacceptable considering the urgency of the situation. 

Then I called the company directly on XX/XX/22 spoke with XXXX who informed that the case is currently being worked on per the website submission. She provided a case id # XXXX and name of case manager XXXX XXXX. 

Meanwhile had received a call that was traced as coming from Bread Financial, no message left. When I returned the call after determining it was Bread Financial I was told there was no record of any calls coming from them. 

On XX/XX/22 called again, this time spoke with XXXX and requested escalation to which I spoke with XXXX in escalations. He informed that we would have a card in XXXX hrs. Never received. I asked him for a confirmation # for call and he said there was none. 

I called again on XX/XX/22 and escalated to XXXX again and he informed he submitted the request and it would be received on Saturday. He assured that the card was sent out on XX/XX/22. 

My mail has already been delivered for today and yet to received the card. Called again today and spoke with XXXX in escalations who informed a new card has been ordered and should be received on Tuesday. He provided a conf # XXXX 

I had no complaints when my card was with Comenity, but this new transition to Bread Financial is horrible. This situation is overly complexing my spouse life as he uses that card quite regularly as a business man.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

It came up that there was over {$1000.00} gone from my account. I called and spoke to the people from the unemployment go card. This person was only able to get a hundred and some dollars off and there was a freeze on the rest of the money that my account was frozen. So I go from a long time not being able to use my card have to get a new card. Just to find out now they say that money that was frozen there's no record of it. supposedly has taken almost {$200.00} off and then over {$800.00} that was supposedly Frozen they say they can't find. I had to file a fraud claim I did I was able to tell them my exact last purchase.I was sitting there talking to them on the phone looking at my card website money was being taken off of it when they told me it already been canceled.I told them that there still money  being taken. I have gone around and around so much with them I have filed two fraud claims. I have got nowhere .Then the last person I spoke with was completely rude and told me that I was supposed to file a police report within 24 hours I was never told this and he says '' wouldn't you if you lost a cell phone ''. I've never had to deal with anything like this obviously I need the money or I wouldn't be on unemployment. My  money has been stolen either by this company or somebody else and they will do nothing about it. They say they have no record of this money that they froze
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Hello. My name is XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX informing me that my Citi Accelerate Online Savings account had been closed. I was not provided a reason for closure. I immediately called the phone number provided with the email : XXXX. A customer service representative was not able to give me a reason for closure, but reassured me that my remaining balance would be mailed out in the form of a check within 30-60 days. 

I have periodically called this number, along with the other customer service phone numbers provided by Citibank during the 30-60 day time frame : XXXX and XXXX. Each time I call, I am notified that I have an active and remaining balance of {$56000.00} and that it is still accumulating interest, but that the account is closed and that I am still unable to receive the funds. Each representative ensures an expedited process to mail my check, all to no avail. 

My most recent phone call with Citibank occurred on XX/XX/XXXX, 60 days officially from the date my account was closed, and it is the reason I am now filing this complaint. A customer service representative told me that my funds would never be transferrable and disconnected our phone call. I am highly concerned, as my remaining balance is a large portion of my livelihood. 

I have not been notified of any suspected fraudulent activity from my other financial institutions and have verified my identity in every possible way to confirm that these funds are rightfully mine. 

Since the opening of my account in XX/XX/XXXX, I have made several deposits : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$20.00} XXXX : {$10000.00} XX/XX/XXXX : {$41.00} XX/XX/XXXX : {$49.00} XXXX : {$5000.00} XX/XX/XXXX : {$71.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$100.00} I had also made deposits prior to XX/XX/XXXX, but because I am locked out of my account, I am not able to see the exact deposits made during that time period. 

I do not live in a state where there are physical Citibank branch locations, so I am unable to visit a branch and get more information in-person. Every customer service outlet has provided conflicting information about my account. I am filing this complaint to receive an answer for the reason my account was closed as well as expedite the process to receive the remaining balance of funds that I have worked hard to earn. Thank you in advance for your time.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

I have had an account with XXXX through Barclays bank. I closed the account in XXXX. It is now almost XXXX. They have continued activity on the closed account -- including BOTH giving me a refund for extra money in the account after it was paid off AND then adding new charges and trying to charge me late fees. I can not get these people to just close the account, even though I paid the balance down to XXXX.