davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (WA)

I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by Alpha Recovery Corp . 

Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX CO, XXXX They state that I owe {$8400.00} from XXXX debt. I have contact XXXX directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from Alpha Recovery unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at Alpha Recovery Corp XXXX XXXX but the number has been changing since XXXX continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XXXX XXXX 2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.
Consumer complaint received 2021-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

Hello : Ive sent multiple letters to Caine Weiner requesting validation of this debt from early XXXX to XX/XX/XXXX. I have not received any information validating the debt at all.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

the following are inquiries on my credit report that I do not recognize and did not authorize. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NC)

I've had a bank account with Credit Karma for three years now. I have a checking, savings and credit builder/second savings account with them. On XX/XX/year>, I got an email from Credit Karma saying my account was locked due to a potential security risk and that my money was safe, and that someone would be reaching out with steps to get back into my account. I then received another email about 5 minutes later saying " your account has been deactivated. Thanks for using Credit Karma. '' I've used chat support. I've talked with Credit Karma representatives about 10 times now and every single time they tell me someone from a " specialized department '' will be reaching out via email with more information and I'll receive my funds via check in the mail. I can't access any of my money. I can't pay bills. I can't even log in to my app or online banking portal to view my transactions or balances. This is illegal for a bank to take away access to your funds and steal them, with no explanation or proof of return. I have been made aware that this company has been doing this to countless individuals. I was hoping to not have to seek out a lawyer just to have access to my funds. But the bank isnt helping me at all. 

No explanation as to why they have blocked me from my account. No information as to when I'll receive the funds in my accounts or the fact that my paycheck was deposited there this week. They have additional funds of mine since they closed my account funds from my employer. I can't access ANY of it. And every representative says someone will be in touch via email and no emails or calls have taken place. One representative told me the check was mailed and I would receive it in XXXX business days. Another told me my account wasn't fully closed and a check hasn't been mailed. This is illegal. The amount of money they have of mine in total is about {$6000.00}.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.
Consumer complaint received 2023-01-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hi, I am submitting this complaint on my behalf. I can't believe they are taking advantage of me like this. I am very upset with Experian. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted. 

1 ) Please investigate that this account is reporting XXXX percent accurate. XXXX  card is reporting different information on all 3-credit bureau XXXX I see so many errors which is a FCRA violation XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Please remove from my credit report
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (FL)

To whom it may concern, I want to file a complaint against both Coast Professional ( Collection Agency on behalf of US Dept. of Edu ) and the US Dept. of Edu. I have been dealing with Coast for  several years in regards to my defaulted student loans. Last year we set up a plan where I had to pay {$5.00} a month in order to avoid garnishment. Of course this will never pay it off, but it was something until I can afford more and I did make larger payments when able to. Coast had my bank account and was auto drafting  monthly. XX/XX/XXXX was the last payment drafted and its unclear why the discontinued drafting. In XXXX I called the US Dept. of Edu to see if there was an issue. Since I have started school  again, I thought maybe the loans were now in forbearance. I was assured my loans were current and I was not in danger of garnishment. On XX/XX/XXXX I received a very low paycheck and saw my wages were garnished. I contacted the dept. of Edu who said everything had to go through Coast. I provided them information the very same day for an AGW   hearing request and have been getting the run around from them ever since. Yesterday I called the dept. of Edu and they claim to not have any info about a hearing. Three months this has been going on. I had a XXXX XXXX last year and bought a house. This is putting me in a financial bind and there is literally nothing I can do. Every time I call Coast, they claim to have not received the last paper, but go to the email and Oh there it is! I am a manager ; I assure you this will be sent today. However it never is. This is incredibly frustrating and I am at a loss as to what today. I am happy to make payments but 15 % is not feasible. I have XXXX  children in daycare, I can not do this. 

Please help me resolve this. 

Thank you. 

XXXX XXXX ( XXXX on account )
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLD STAR MORTGAGE FINANCIAL (AZ)

I began to purchase a house and applied for a mortgage with a lender I was satisfied with on Monday, XXXX. 

On Wednesday, XXXX, I began receiving text messages from XXXX XXXX falsely claiming I applied to them for a mortgage, and whether I would like to continue the process. 

I had no preexisting business with XXXX, I had never applied to XXXX lending. The agents lies confused me and almost caused me to believe XXXX was the company affiliated with my lender. 

I informed the agent, XXXX, that I did not want to do business with XXXX and would not want to. 

Days later the predatory agent continues to send messages to my phone, disregarding both my initial request to leave me alone and subsequent requests.
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MA)

Credit Collection Services in XXXX XXXX  did NOT proactively represent the outstanding bill of {$15.00} and sent Demand Letter from a debt collection agency. There was no communication from when the original XXXX $ was considered due in XX/XX/XXXX date of service to XX/XX/XXXX when the amount was classified as delinquent and debt collection process started. A lengthy conference call on XX/XX/XXXX did NOT provide any clarification on the missing communication from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (SC)

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, Sallie Mae, XXXX, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2023-01-16
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: Bread Financial Holdings, Inc. (NH)

Hi, Re : Comenity Bank XXXX XXXX XXXX On XX/XX/2022 I redeemed XXXX rewards points as a direct deposit to my checking account in the amount of {$2600.00}. After waiting the requisite XXXX business days the deposit didn't appear into my savings account. It still hasnt as of today. I contacted the credit card issuer and asked for an explanation. They said they couldnt find the transaction and that I only had a few rewards points in my account. The later part was true since I just redeemed them. They said they were unable to find the transaction even after escalating to the next tier support. In the next several days I received a letter stating it would take 90 days to resolve it and the appears that they were treating it like a charge dispute which this obviously is not. I have contacted my bank and they see no attempt at the transaction being made such as a transaction rejection. The secondary issue is this credit card was transferred from XXXX and XXXX immediately shut off access to their records of all users of this card. 

Best regards, XXXX
Consumer complaint received 2020-03-11
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. (MD)

This dispute is for the purchase of 2 tickets for a comedy show by XXXX XXXX on XX/XX/2020. Upon making this purchase, I was not notified of the requirement that there would be a 2 drink minimum during the event, which I was not able to afford. The attached document, Exhibit A, shows this requirement which I was only made aware of by email after purchasing these tickets. 

I had made several attempts to contact the organizer and XXXX regarding the situation before opening a dispute. I attempted to contact the organizer through the XXXX messaging system and explained the situation, but I received no response. Unfortunately, XXXX did not provide me with a record of this message, so I can not attach it. I attempted to call the organizer 's listed phone number twice on XX/XX/2020 to explain the situation, but they did not answer either time, nor was I even placed on hold. 

I do not understand why the dispute was closed in the merchant 's favor, especially given their lack of communication on the situation. Citi did not provide any reasoning for why this dispute was closed in the merchant 's favor either.
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (FL)

XXXX/XXXX  Charge off balance {$0.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX  Charge off and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$34.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX. 

XXXX Charge off with a balance {$3100.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX Charge off with a balance {$3100.00} and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$72.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This account is current, I am not sure as to why this account is reporting to XXXX  and XXXX. The account is Up to date and was paid in full before being reported. 
XXXX XXXX  reported the account for Account Abuse ; Any amounts owed have been paid Date of Closure XX/XX/XXXX Original charge off amount : {$260.00} Closure status : Paid in full Closure status Date : XX/XX/XXXX
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (FL)

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

Equifax is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong.

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when Equifax reports this as Late 120-day? Clearly, this shows inaccuracies.

XXXX also missed reporting the monthly payment, credit limit and payment history.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WI)

Company XXXXXXXX XXXX XXXX called my mother in law several times then my wife several times stating they have been trying to get ahold of me. They said they sent letters which I never received. I called the number provided and asked simple questions which seemed to upset the person on the phone. I asked for a letter to be sent explaining the debt and to verify the company is legitimate. The lady said she can email it, I said please send a letter. She hung up on me. 
She also said the last letter sent was 96 days ago.. she asked if I still lived on the road I lived on and also said my full social security number while speaking with me. She was upset that I was asking legitimate questions. Phone numbers they called from are below. 

XXXX I called this number back Also left this number for me to call XXXX
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

My wife and I are looking to purchase our first home and reached out to Cardinal Financial to complete an application and obtain a pre-qualification in order to put in an offer for a house we've like. We spoke to XXXX XXXX, Senior Loan Originator at Cardinal Financial ( NMLS # XXXX ). XXXX guided us through the process and then wanted to start the application over the phone. I was not comfortable providing my SSN over the phone, and wanted to provide it in the online mortgage application. XXXX was very insistent that I give him my social. I ultimately did not, and proceeded with the online application. XXXX emailed me later in the day accusing me that I had provided a fake SSN in my application. I was highly offended, but more importantly, I'm concerned about any potential SSN privacy issue. I would highly appreciate if CFPB can investigate this case with XXXX XXXX and Cardinal Financial more broadly on any potential data provacy/fraud issues.