davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (LA)

XXXX XXXX for a credit card XX/XX/XXXX never applied. 
XXXX XXXX XXXX XX/XX/XXXX Do not know what this is for XXXX XXXX XXXX I'm guessing a credit card XX/XX/XXXX XXXX XX/XX/XXXX Never applied XXXXXXXX XXXX XXXX XX/XX/XXXX Never applied XXXX XXXX XX/XX/XXXX Never applied XXXX XXXX XXXX XXXX notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

This complaint is pertaining to a new account promotion offered to me for opening Citi Bank Savings Account XXXX. The promotion offered XXXX XXXX ( XXXX  ) miles for opening, funding, and maintaining a certain balance for a specific amount of time. The account was funded with {$10000.00}, making it eligible for XXXX miles if the money was held in the account for the required amount of time. 

I reached out to Citi Bank via their direct messaging platform on XX/XX/XXXX, asking when I would be eligible to withdraw the funds per the terms and conditions of the promotion. The sole reason for opening the account was for the promotional miles being offered. The Citi Bank representative, XXXX, told me that : " I can see that you have successfully met the offer requirements by XX/XX/XXXX. You can move the funds now as the account met the requirements. Bonus miles will be credited to your XXXX  account within ninety ( 90 ) calendar days from the date ( XX/XX/XXXX ) you complete all Required Activities. '' A screenshot was taken of his responses. 

Based on this response, I withdraw the majority of the funds. 

After the ninety days passed and no miles were credited to my account, I reached out to Citi Bank again, asking the status of these miles. The representative also told me that I had met the requirements and put in a ticket for resolution. 

I was recently informed, via an online letter, that I had not met the requirements for the promotion because I withdraw the funds early. 

My complaint is that I only withdraw the funds after asking Citi Bank when I could do so without jeopardizing the new account promotion. Whether XXXX was correct or incorrect in his response, I should not be penalized for that mistake. The bank told me that I had met the requirements, then they said I did not. I am filing this complaint with the hope that I receive those XXXX promotional miles. 

Thank you in advance for your time with this dispute. You can reach me via cell at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

Complaint Addition/update : This is a response to SLS 's  request 60 days to respond to my complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process. I am requesting an immediate response to questions I started asking in XXXX of XXXX and ongoing errors SLS refuses to correct. SLS must correct negative credit until this matter is resolved. I have been told I can get no credit until 14 months after said negative has been brought current. 
This is a request for SLS immediately : 1- mail me a copy of a letter they have or will immediately send to all 3 credit reporting agencies requesting all negative credit be removed from my report. 
2-mail me a second letter agreeing to halt all future negative reports to the credit bureaus because or until SLS states did or did not take my XX/XX/XXXX payment to cover escrow shortage spreads of high as {$17000.00} to {$12000.00} with knowledge SLS had not moved the last funds to escrow correct it's error in reducing my mortgage payment and the XX/XX/XXXX analysis showing the corrected escrow shortage was less.. 
3- SLS is to send me a letter stating SLS did or did spread the above inaccurate escrow shortages which were higher than that of the XX/XX/XXXX analysis showed {$10000.00} is the figure SLS should have spread. 
4-SLS did or did not double/increase my modification payment effective XX/XX/XXXX to correct at shortage of more than {$19000.00} due to SLS 's reduction of my modification payment XX/XX/XXXX without just cause, failing to verify escrow payments with taxing authorities, my insurance company nor XXXX XXXX who had set the original payment. 
5-XX/XX/XXXX XXXX transferred {$2200.00} of escrow to SLS with the loan in XXXX, please explain why SLS refunded {$1400.00} of said escrow to the borrower in XXXX and told the borrower SLS required a minimum of {$2800.00} in excess escrow be kept in his account. 
.6-SLS 's response to my previous complaint stated the XX/XX/XXXX payment was due at time of transfer which is not true. Please provide the date my XX/XX/XXXX payment was received and verify did XXXX XXXX transferred the loan XXXX of XXXX with loan payment being automatically withdrawn from the borrower 's account the first of every month until XXXX of XXXX when SLS doubled my payment. 
7- send the information on contact information on the owner of the loan
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I had a 30 year FHA mortgage with Roundpoint mortgage company. I paid off my mortgage balance on XX/XX/XXXX by refinancing with another lender. I had an escrow account having a balance of {$5400.00} to be reimbursed to me. I called them after 3 weeks to find out about my refund. I was told that they could hold the money for a month before they refund. I called again on XX/XX/XXXX as I saw online a refund was issued on XX/XX/XXXX and they told me the check was cut on XX/XX/XXXX and I should receive the check in a week. Now it is been more than a month and two weeks I still don't have a clear answer from roundpoint about my refund until today XX/XX/XXXX. 
XX/XX/XXXX - Loan Paid In Full ( Cash ). 
Address details of company : RoundPoint Mortgage Servicing Corporation XXXX. XXXX XXXX XXXX, NC XXXX Customer Service at XXXX
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Recently I've made XXXX purchases at XXXX which were charged to a store card and managed by Comenity Bank. The initial purchase was on XX/XX/XXXX with a 1 year promotion ( no interest ). I made payments and there was no problem with payments reducing my balance due. On XX/XX/XXXX, I made a 2nd purchase, again on a 1 year promotion ( no interest ). Although I continued to exceed my monthly payment due each month, ALL of the payment started to be applied newest/XXXX  balance with nothing doing towards the oldest debt. This was alarming because it will result in deferred interest charges coming due if not paid in full by end of XXXX. 

I called Comenity customer service a minimum of 4 times. Each time I was told there was recently a system upgrade, that tickets would be entered to remedy issues and that payments that exceeded the plan minimum on each promotion would go to the oldest balance. This did not/has not happened. Each month when the ticketing process did not remedy, I called back and was told that payment were going to be manually moved to oldest balance. After all of these months the oldest balance has not gone down ( as a matter of fact if has gone up ) and now I have an " URGENT '' message on my bill advising if I don't pay what is almost the original purchase amount, I will be charged interest. I can see on my account where " promotional plan transfers '' are taking place but they seem to be applying to the new account. 

I am very upset with the time it has taken for me to try to take care of this and worry how many other customers have been adversely impacted by XXXXComenity XXXX Once this is resolved and payments applied it is my intention to pay the entire remaining for the oldest balance as soon as possible to avoid payment the deferred interest.
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Wife And I put money down on a new home to be constructed in XXXX XXXX Florida. We were approved by another lender, but were sold by Bank of America because of the low rates on XXXX loans. 
We started the process 2 months ago. After such a long time waiting for a commitment i was in contact with the manager XXXX XXXX. Yesterday I was called to say the loan is being denied. We were shocked .I had received emails from regional manager XXXX XXXX that everything was good and came out of underwriting which apparently was a lie. They were trying to get an exception on my wifes I come which no one told me about for 2 months. If someone told me about this 2 months ago that it was a guideline and I had to see I would have been able to make an educated decision if I wanted to risk it for a better rate or just go with the other company. After this call I tried getting more information and help from senior Vice President, XXXX XXXX. This was a horrible experience as I was talked down to, lied again and pushed off the phone like I was a third class citizen. I have everything I. Emails that contradict what they are saying. They had me sign inaccurate 1003 and loan docs when I questioned in email regarding this. 
I am stuck now because rates went up a point since I could have locked with the other company and will be paying much more a month for my mortgage
Consumer complaint received 2018-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking EXPERIAN, XXXX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (CA)

Multiple attempts were made to receive information about the debt, including what it was for, associated fees, dates etc. such requests were all made within 30 days of receiving notice. 10 business days later I was contacted by an agent trying to collect the debt, with no responses made to previous requests for information.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (IN)

I have been contacted, and the company XXXX XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from Tempoe has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NJ)

The company called Mariner Finance originally lent me {$1500.00}. Throughout the course of my relationship with the company additional loans and adjustments were made. 
Just because I got behind in the payments the company started making threats which began with a young lady in their XXXX, NJ office who mentioned the threat of legal action. 
Not because I wouldn't pay but because I couldn't pay it due to other bills that had to be paid. In a letter dated XX/XX/2019 one of the paragraphs reads as follows : The continued delinquency of your account has led to its potential referral for legal action to collect the balance due. Demand is hereby made for full payment of this debt to Mariner Finance. Payment in full, including any additional interest or costs that may accrue must be received with in ( 15 ) days of the date of this letter or suit will be immediately filed against you unless alternative arrangements are made. Once the judgement is made against you, Certain assets securing your loan may become subject to actions for collection and counsel for Mariner Finance will use all lawful means available to collect the total amount owed including the accrued interest, fees and costs. Mind you I just received this letter XX/XX/2019.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO Bank, N.A. (NY)

My issue is with XXXX XXXX Credit Card. I have been using this card for 20 years and never missed a payment. I was victim of identity theft and someone made $ XXXX in charges. I let the charge company know right away, sent police report and they are dragging there feet in removing it. I need help know. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-12-01
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. (RI)

I have attempted to resolve this issue multiple times. The items listed below are not mine nor factual as Equifax has claimed. I was a victim of identity theft and filed a report with the FTC as a result. That report has been provided to Equifax. Equifax is claiming the items listed below are factual, they were not completed by me, but someone who stole my information. 

Again, After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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 2019-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Chase closed all my accounts ( including XXXX checking, and XXXX   credit cards ) on XX/XX/2019. I asked the representative in bank but he said he couldn't tell me the reason otherwise others would know how to get rid of it. I was told that I would not be able to apply for any product from Chase ever. I have 25 days to move the money from my checking account. I don't see any inappropriate behavior on my accounts so far.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

The Company identifies itself as Conns Home Services. They call from multiple numbers 4-6 times a day. They ask for a person I have never heard of. I have told them repeatedly that they have the wrong number and have instructed them to stop calling. Then they tell me that I must verify my personal information or they wont remove me from their list. I have blocked two different numbers that they call from, but they still call.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IN)

I have been contacted, and the company Convergent Outsourcing Inc. working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from XXXX has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.