davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Since XX/XX/XXXX I have asked to remove escrow account for the reason it was never included in the refinance in XX/XX/XXXX. I request so many time to escrow account to be removed and it was removed around XX/XX/XXXX. I requested for loan modification around XX/XX/XXXX and after long hassel my has been modified. I also inform multiple times and was to write multiple times I don't need escrow account. Despite this escrow has been added against my will. Since I have stated on multiple occasion not to include escrow account in writing escrow should part of my payment against our will.
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. 

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Financial  Corporation (LA)

Franklin Financial XXXX has reported an account to my credit this morning, I was notified and called them. They have my current address and phone number but I have not gotten any bills from them. I asked them to provide me with proof they have sent me something and he had nothing to send. I spoke to XXXX XXXX at XXXX ext XXXX
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Unverified information on my credit report Equifax and XXXX   I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to Equifax and XXXX 2nd letter was sent on XX/XX/18 to XXXX and to Equifax it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to Equifax and 3rd letter to XXXX was sent on XX/XX/18
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citibank offered us a bonus of {$400.00} for opening checking and savings accounts and keeping a combined total of {$15000.00} in them for 60 days. The bonus was supposed to be paid within 90 days of our fulfilling the terms of the offer. 

We opened both accounts on XX/XX/18 ; therefore, we fulfilled the terms of the offer on XX/XX/18. The bonus, then, was supposed to be paid into our account by XX/XX/18. As of today, it hasn't been. 

We have notified the bank repeatedly that we have not been credited the bonus, including a letter to the Executive Response Unit. We have not heard anything from Citibank to this point, and the bonus still hasn't been credited.
Consumer complaint received 2018-11-05
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: BARCLAYS BANK DELAWARE (FL)

I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? 

XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. 
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. 

This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. 

We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. 

He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. 

I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? 

XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I pay my mortgage by phone. For the month of XXXX my phone payment did not go threw. As soon as I realized I payed it right away. It was less than a month passed due. Mine and my husband credit score went down XXXX points because of it. They did not and worn us. Please help up get the points back. 

Thank you XXXX XXXX
Consumer complaint received 2018-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: First Associates Loan Servicing LLC (IN)

I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX  from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

This debt isn't mine, this is fraud, someone ordered some stuff and had it shipped using my name ( XXXX XXXX ) I have notified and completed a fraud package and still dealing with this now with a different company. The address the company had on file I never lived at. This is NOT mine / DOESN'T BELONG TO ME.
Consumer complaint received 2022-03-30
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full  payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX   XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Consumer complaint received 2018-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

I purchased Ca home at XXXX XXXX  XXXX XXXX CA XXXX for {$290000.00} all cash, adding {$10000.00} in improvements. I became I'll last three years documented on XXXX. I used credit cards during illness to provide for myself. I was a legal assistant 15 years and widow. I am XXXX. Thru mail I received Discover ( same logo as my long time Card ) letter of notification for home equity loan, citing excellent payment with discover card and my home equity. Citing these two issues. 
AppliedXX/XX/XXXX, XX/XX/XXXX received rejection letter. I'm a XXXX XXXX cyberhacking victim. Fake " charge off " planted XX/XX/XXXX..reason for refusal. Item removed two weeks ago.. 
Called Discover..said " your 7 years prompt on time payments, paying off debts, does not count only credit score and your balance on Discover card is too high. Fake Credit checks on XXXX  monthly from discover mortage and I don't have mortage. It is driving up cost to borrow on Discover. They said they are separate companies yet with same logo. 
Loan quote was a payment of {$680.00} a month {$35000.00} equity. Double what flyer said What hurt my credit was discover and they are lying in mailings. 
Representative said " alleged fake items in credit check. '' I said they were removed.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (AZ)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor XXXX not treat a payment on a credit card 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 the 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, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX  XXXX  XXXX
Consumer complaint received 2022-03-30
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. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this accounts deleted or updated. This the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS denied us a repayment plan home retention in response to XXXX we filed on XX/XX/2019 XXXX 46 days before foreclosure then scheduled for XX/XX/2019 ). XXXX completeness was affirmed by SPS on XX/XX/XXXX or XXXX, 2019. 
SPS denial letter of XX/XX/2019 stated Prior evaluation completed. SPS are currently not eligible for this option because SPS have previously been provided with a decision for this program. Prior evaluation that SPS refers to, confirmed by phone with SPS Customer Service and SPS Ombudsman Office representatives in XX/XX/2019, regarded previous SPS loss mitigation decision of XX/XX/2019 which stated Active Bankruptcy. We are unable to offer you this program at this time because there is active bankruptcy filing referencing this account or property SPS failed to exercise due diligence required by RESPA and to verify our bankruptcy status. Our bankruptcy was dismissed on XX/XX/2019. SPS was notified of the above bankruptcy dismissal by the Bankruptcy Court on XX/XX/2019 according to the Courts Certificate of Notice 12 CFR 1024.41 ( c ) ( 4 ) ( i ) ( 1 ) states : During the first 30 days following receipt of a complete loss mitigation application. Section 1024.41 ( c ) ( 4 ) ( i ) requires a servicer to act with reasonable diligence to obtain documents or information that the servicer requires to determine which loss mitigation options, if any, it will offer to the borrower. At a minimum and without limitation, a servicer must request such documents or information from the appropriate party Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

I sent a validation letter to XXXX asking for validation that I have a sign contract with them. They have yet to provide me the necessary information. I have attached the information that was sent to me. I show no contracts with XXXX XXXX or Resurgent Capital Services. I  have never heard of them.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC (PA)

On XX/XX/2022, I tried purchasing {$4000.00} worth of XXXX via the Gemini platform from my linked checking account. The application kept freezing and not responding to my inputs. Since I couldn't get the transaction to process, I decided to try another time. Upon checking my email, I noticed that I had received some emails from Gemini indicating that a {$4000.00} transaction did indeed occur and that they processed an order for the incorrect currency. The app incorrectly placed the order for XXXX ( instead of XXXX ), which caused me to incur about {$83.00} in fees. I immediately reached out to Gemini to notify them of this error. In essence, at first, they told me " tough luck. '' After pressing them, they stated they would place my request with the " relevant team. '' It's been about nine days now, and after repeated attempts to follow up with them, they haven't responded other than to say that they're looking into it.