davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS UNLIMITED OF TEXAS INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (MD)

Closed credit account for Continental Finance shows multiple payment reporting inaccuracies, per the FCRA all reporting must be accurate among all three bureaus. We have found the following discrepancies while reviewing our three bureau report. 

Account reported as 30 days late on XXXXXXXX XXXX XXXX on XXXX and XXXX, but not reported at all on XXXX. 

Account reported as 30 days late on in XX/XX/2022 on XXXX but reported as on time by XXXX and XXXX. 

The reporting is incorrect and violates my fair reporting protection.
Consumer complaint received 2023-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IL)

I co signed a loan for my daughter with Sallie Mae when she was at the university now she attends XXXX college and they have forwarded paperwork so that her loan can be deferred. Sallie Mae has been harassing me, my neighbors as well as family members i don't associate with and friends by LYING and saying I used them as a reference and i have no references AT ALL LISTED. I just got into a terrible argument with my neighbor because she said XXXX from SALLIE MAE called and said i used her as a reference and they are trying to reach my daughter and I. the argument got so bad we were i each other faces yelling because my neighbor was upset because she was told i used her as a reference and I NEVER PUT ANYONE DOWN AS A REFERENCE, SALLIE MAE is playing with people lives. WE almost got into a physical altercation. i was trying to convince my neighbor that I never gave out her number to no one. It is ILLEGAL for SALLIE MAE to HARASS ME, MY FAMILY, MY NEIGHBORS. I WANT THEM TO STOP CALLING ME, MY DAUGHTER, MY NEIGHBOR, AND THE PEOPLE WHO I AM RELATE TO THAT I DON '' T SPEAK TO. My daughter and I are being harassed and want them to STOP!!!!!!
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited {$1300.00} into a Huntington ATM not connected to a Huntington branch on XX/XX/XXXX, approximately at XXXX to XXXXXXXX XXXX the ATM had an error. It took my money. It did not update to my account. It said it was closing the money slot of atm for safe keeping called an open the dispute the next day during business hours I had to call them every day for over three weeks to get them to credit the money back to my account they just reversed the credit on my account and closed out the dispute. They said that the ATM did not reflect the money that I had deposited. they reversed this dispute as of yesterday, XX/XX/. I have called to have them re-open the dispute as of XX/XX/. I have provided the pictures of atm error I asked for camera footage they have not provided it.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau misrepresent the amount owed to XXXX XXXX XXXX XXXX. In a phone conversation that took place on or around XX/XX/2018. Furthermore, They falsely claim the debt was {$3000.00} instead of the {$560.00} in clear volaion of the law and FTC guidelines. see https : //www.consumer.ftc.gov/articles/debt-collection-faqs
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (PA)

On Sunday, XXXX XXXX I set up a meeting to open a business banking account with an M & T banker named XXXX XXXX. The meeting was slotted for four days later on XXXX XXXX. When I and my pregnant wife arrived for our business appointment, we were told that XXXX was not in the office. Rather, he was at a training in a different state. At no point prior to this meeting had this banker communicated with us that he would be in a training and would not be able to assist us with the requested service, which M & T mandates be completed in a branch. A different branch employee offered to help, but M & Ts system would not allow him to work from the office in which he was located, so he had to take our information away on paper to open the account remotely. 

Upon receipt of the electronic paperwork, we noticed multiple errors and responded asking for updated paperwork to complete. Our emails have not been responded to and we have since had to find a new banking partner, causing issues in establishing payroll services for employees of our mental health care business. We believe our business has been prejudiced against due to the nature of its operations.
Consumer complaint received 2023-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Hello I have a inquiry dated XX/XX/2023 I have a freeze on all three of the companies so idek how it wasnt blocked but I did not authorize capital one NA to report anything to my account
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Evergreen Financial Services Inc. (WA)

I contacted the collection agency last year asking for the validation of these medical debts I have even applied for charity on the collection they claim I owe they also do not verify who they are when calling and took nearly a year and half to do a judgment I am currently unemployed and XXXX this collection agency tries to play dirty and uses an attorney that does divorce cases no follow up to my request or anytime of settlement offer on amounts owe I wish to have this judgement vacated under the fact I applied for charity care
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

GM Financial is claiming that I was late with making payments and have not had any late payments in the past 20 years. I did not receive any statements from GM Financial in 2018 but consistently made payments by logging into the mobile app. I later learned that GM Financial made a mistake on my account and did not send my statement to my address ( XXXX XXXX XXXX, XXXX XXXX NY XXXX ) but instead sent them to XXXX XXXX XXXX, XXXX XXXX NY XXXX ). Upon learning of this information I grew worried that my personal information was sent to someone I didn't know and they told me the statements were returned as unable to deliver. I then asked how come no one from GM Financial reached out to me to correct or why their internal controls did not discover the entry mistake as my address is correct on all the lease documents and they did not respond. Furthermore, unbeknownst to me, GM Financial 's web page was in beta throughout 2018 and would present an amount due of {$0.00} and without a due date. I still made my payments because I knew I had too and have made every single payment. However, there must have been some timing issues in receiving these payments as they are stating I was 30 days late from XX/XX/2018 - XX/XX/2018. GM Financial did not acknowledge that they had any fault and would like an investigation into why there internal controls did not identify that my address was not correct ( especially since they received return mail ) and why I was placed onto a beta web page without my consent. I would like the late payments removed from my account and an inquire be made with GM Financial. Thank you for you consideration in the matter.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Date : XX/XX/2022 Amount : {$400.00} Actions taken : I called Chase regarding a XXXX payment I sent to a sender by the name of XXXX with the email XXXX, and later found out that it was a scammer. I called Chase about the situation and forwarded me to Chase Claims Department and did not help me because it was an act of person to person of agreeing to making this payment. 
I have proof of the scammers email if needed evidence in order to refund the {$400.00}. 

Story : I got scam on XXXX XXXX by providing my email and that they would email me fake XXXX emails.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have closed my mortgage with Amerihome Mortgage on XX/XX/2020. 

They charged another monthly payment on that month which left my total escrow balance of XXXX. 

They claimed they have sent the check but I have NOT received it. After a battle of phone calls, I requested them to stop that check and issue a new one 50 days ago. 

After over 20 messages inquiry, and multiple phone calls I learned today they still haven't issued a new check to me. And the customer service representative was rude and blaming USPS. If it hasn't been even issued why to blame USPS and the pandemic? 

If I make my payment after 3 months and blame the pandemic and USPS would it ' be acceptable? 

This company has been the worst. 

I'm losing faith, and I need this money. I have so much debt to take care of. I need the CFPB 's involvement in this matter. 

Reps are extremely rude. They transfer my calls to other people and ask me to spell every letter for the current address, property address, mailing address, and keep wasting my time for hours and simply hang up.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

Medicredit is attempting to collect on an account that has a XXXX balance while reporting knowingly false information to XXXX and XXXX against my credit file. 

This derogatory account must be removed from my credit file because on XX/XX/2019, the primary service provider, XXXX XXXX XXXX XXXX, adjusted the account to a XXXX balance. The medical bill has been in constant dispute since inception due to a pending malpractice action I am planning on filing against the treating physician and facility because of their negligence in my care which proved almost fatal. As a result of my prior correspondences with the provider/hospital which details the negligent care by their physician and facility, I demanded any amount billed to be held for naught, which they agreed to on XX/XX/2019. 

As documented on my credit report from XXXX XXXX and XXXX, Medicredit Corp. began premature collections on this account on XX/XX/2019 ( less than six month after the account was created ) without any notification or investigation as to the validity of the debt. Moreover, the account statement ( attached here ) from the primary service provider clearly shows that the account was still in good standing and under their control through XX/XX/2019 when the account was adjusted to XXXX
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i submitted to my bank a few claims where the merchant services are not as described, the cost was different than what was agreed upon on and what is advertised for the general public, and i was not in possession of my vehicle and the insurer was not able to perform their duties during the time im requesting that my money be refunded to me. 
i presented all documentation available as well as the advertisements/listing themselves explaining in detail the aspects of the cases. 
to my surprise the bank rejects them in a few days and didnt even post a temporary credit nor did they even bother to call me or ask for more evidence. This all seems very odd So i reached out wondering what they needed and i noticed they'd combined 2 of the claims and kept using facts from each to argue the validity of the charges as a whole. I continued to ask that they not do that and if we could please re submit my claim with the each claim having its own specific detailed case number and i explained i was requesting this because the facts were very mixd up and that for that reason there is a bias and they are not looking at the facts correctly. They have declined to hear reason and continue to recount the individual situation incorrectly they also refuse to hear me when i explained that even the insurance company has agreed that i absolutely cancelled the policy and that i didn't owe. i'm trying to keep working with the insurance company on that but the facts are on the other two cases not only has capital one refused to ask according to my rights but they have ignored basic reasoning and my steady reminder that they are not stating facts correctly and can not pass a judgment when not all the information is correct. it is also my stance that capital one has used my words and switched them to better suit their narrative and my conversation today further proved that as each recount was completely bias and full of errors
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

I have Discover card ending XXXX. In XXXX of 2023 I had a balance on this card {$14000.00}. 
On XX/XX/2023 The convenience check issued by XXXXXXXX XXXX XXXX XXXX with my wife 's name : XXXX XXXX was cleared by Discover. The amount of that check was {$14000.00}. That check number was # XXXX. My wife run into a problem with XXXX : XXXX insisted that the check was not # XXXX, but # XXXX. The problem - # XXXX is not promotional check, and 20.24 % ( instead of 0 % ) XXXX started to accumulate. On XX/XX/2023 my wife spoke with XXXX and XXXX asked me to get the evidence from Discover that the check Discover cleared for {$14000.00} had number # XXXX. On XX/XX/2023 I called to Discover and spoke to agent XXXX. I was provided " memo line XXXX - XXXX ''. 
On recorded phone call I was promised to get e-mail dated XX/XX/2023 and paper mail confirming that the check cleared by Discover was # XXXX. The promised e-mail never came. However, on XX/XX/2023 I got e-mail asking to call Discover to discuss important matter. I called to learn from agent XXXX that both e-mail and paper letter will not be sent. She said that agent XXXX made mistake trying to help me and my wife to promise those letters. I asked XXXX to transfer me to a supervisor and provided my work number for supervisor to call me during business hours as I don't have mobile reception on my phone being at work. XXXX wrote the number, however the supervisor called twice on my cell and left message to call back at the number on the back of my card. I called back and spoke to somebody XX/XX/2023. The representative said that the letters verifying check number were sent XX/XX/2023. When I asked to resend e-mail as I never got it, the representative said that she can't. All I need is the letter from Discover stating the check # .... paid to Discover XX/XX/2023 I'm attaching Discover statement showing payment {$14000.00} XX/XX/2023
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit card with Bank of America. On XX/XX/XXXX, I was reviewing my account statement online. I noticed there were many unrecognized and pending charges from XXXX the account that have not posted. Many for the same date. I checked with my Spouse. She and I did not recognize the charges. We decided to review the account statement for XXXX, and there were charges that were not recognized there also. We printed the XXXX account purchases for both my wife and I, and reviewed and compared these charges line by line item to my BOA statement, dating back to XX/XX/XXXX. This is when we realized the extent of these unauthorized purchases. 

We notified Bank of America at this time. The card was cancelled and another card was reissued. I told the BOA representative at the time the charges we suspect as fraud. Someone with an XXXX account is using our Credit card Number for charges. These items were not delivered to my home address of record. 

Also note, we changed our billing address and mailing address effective on XX/XX/XXXX. I notified BOA of this in late XX/XX/XXXX. We moved to a new home. 

Additionally, I had already placed a fraud alert on my credit history, because I received some suspicious unsolicitied a government Debit card with my name on it. I did this on XX/XX/XXXX. At this time also I reviewed by credit file with XXXX of the XXXX major companies and did not find unusual activity on them. 

My spouse and I have a XXXX XXXX XXXX account. We are billed annually one time per year. We can see that charge on our BOA statement. However, we are also picking up a subscription for a prime membership that is being billed monthly. We do not recognize that as a charge of ours. I told this to XXXX, and they didn't care about this. 

The fraudulent charges amount to at least XXXX, not sure if that includes interest. BOA delected my secure messages they sent me because I read them, however I was not able to download 1 or 2 of them, or print. 

BOA notified me on XX/XX/XXXX, and they were " unable to approve your recent fraud claim '' The reasons they ( BOA ) provided do not substantiate my claim, or investigate the source of the problem that lies at XXXX. I contacted XXXX about this, but they could NOT be of help, citing " account Privacy '' I attached the response from BOA. Also attached our account statements from XXXX. They were able to provide a spreadsheet of our legit purchases and the source of the payment. The card in question is a visa card.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (GA)

You claim I owe your company {$450.00}. This letter is being sent to you in response to an entry made on my Consumer Report dated XX/XX/2022. Please be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (DE)

My phone was stolen with my XXXX authenticator on it. So I am locked out of my binance.us account. I contacted them multiple times. Every other crypto exchange has remedied this problem weeks ago. I have been waiting almost a month and don't have access to my account. There is no customer service support at all. Please help