davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

XX/XX/XXXX RE : Dispute Charges@XXXX Account : XXXX XXXX XXXX I received a letter dated XX/XX/XXXX ( see attached ) for a charge of {$250.00}. I have no idea what this charge is for and have called several times to dispute this charge to no avail. 


XX/XX/XXXX Spoke to XXXX, gave her the details. After about 20 minutes on hold she told me it was for breaking a digital contract. I told her that I dispute the charge and I asked for proof that I signed a contract. She said she notated the account someone would call me back, no call back. 

XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she couldnt help and transferred me to billing. Said she inputted notes into the system. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she was with retention and couldnt help me, she then transferred me to customer service. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX and explained again the letter I received. She told me she could not give me her ID. She said the charge was for unlimited digital phone plan from XX/XX/XXXX to XX/XX/XXXX. I told XXXX that I formally dispute this charge and request a full credit for the disputed amount. She then transferred me to her supervisor. 

XX/XX/XXXX XXXX pm XXXX ( supervisor ) said there was an auto renewing contract and the fee to break the contract was {$200.00}. With all the surcharges and taxes on the {$200.00} it came to {$250.00}. Said she would call me back for sure on XX/XX/XXXX, never did. 

XX/XX/XXXX Received collection letter from CCS I had been a very loyal XXXX customer for almost 18 years. I respectfully request that this amount be credited to {$0.00}.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (WA)

I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.
Consumer complaint received 2019-06-19
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. (GA)

I already have a complaint because a account is showing on my credit report with Eqifax, Who would not remove the account. It has come to my attention that a hard inquiry was placed on my credit report dated XX/XX/2019 for XXXX XXXX that does not belong to me.The complaint number is XXXX with the CFPB. The name may match up but the last four of my social security will easily clear the matter up.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide (CA)

In XXXX I sought legal counsel and hired the XXXX XXXX  XXXX XXXX XXXX after having been served with a Civil Complaint by Harris & Zide. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. My attorney sent a letter to them informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Since substituting in to represent me, my attorney has been in regular contact with Harris & Zide for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 & again on XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. Harris & Zide is now ignoring my attorney and has refused to respond to her. Harris & Zides actions are egregious and should not go unpunished they have a duty to respond to resolve the pending matter.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

This is the company LOAN CARE THEY make it impossible to pay your loan by phone or on line. 
The sign in does not work it says I have the wrong username and I DO NOT. 
The recording on their phone is about 15 minutes long and never puts you thru to anyone when I push the prompts. 
Also It never allows me to pay by phone just goes into another recording that lasts forever about XXXX I dont need to know.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank in XXXX where my Parents had their mortgage with and alerted them of elder abuse on my Father before he passed and now my Mother by my Brother and I let them know I have Power Of Attorney for my Mother ans gave them a copy and they in turn updated it to their records. I also let them know My Father had passed away and and showed them and offered a copy of my Fathers death certificate. They took him off the mortgage and called the mortgage now the Estate of XXXX XXXX. I also gave them paperwork of my Father signing approval for me to handle all his financial business with them meaning Chase Bank.They updated his approval application as well. I explained that I filed Probate on behalf of my Father and that my Brother was trying to sale the house from under my mother feet. I gave them a copy of the Probate petition with the case number they kept for their records as well. They allowed something to happen with the house like maybe a refinance or a pay off without informing me before hand and would not tell me what happen and allowed my Mother to sign off the mortgage for pay off without my knowledge. Making it harder to protect my Mother from further financial abuse of real property. The Bank did not use the Mandate reporting duties under the California law.
Consumer complaint received 2018-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom it may concern : I am writing this complaint due to Midland Credit Management is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX- XXXX XXXX XXXX . The MCM account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX XXXX XXXX. However I am now receiving these statements from MCM stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, MCM is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (TN)

Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business practices.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NY)

On XX/XX/XXXX, I contacted Dovenmuelle Mortgage requesting to remove the PMI from my mortgage. As instructed by the bank, I Mailed them a check for {$450.00} to have the appraisal done and they chose XXXX XXXX XXXX. On XXXX XXXX, the appraisal was done and it was determined that the house was worth {$630000.00}. When I reviewed the appraisal, I immediately noticed that the appraiser failed to include a house located on my street ( about XXXX houses away ) that is identical to ours in architecture-same interior and exterior layout and square footage ( a XXXX XXXX ) which sold for {$760000.00} on XX/XX/XXXX. It is evident that the appraiser is inexperienced and unfamiliar with the real estate market in my neighborhood ( XXXX XXXX in XXXX XXXX, XXXX, NY m ) ; the appraisal company used by my mortgage company is located in XXXX. 

I decided to contacted XXXX XXXX, the company that sold the property for {$760000.00} on my street and they provided a market comparable analysis on my property and the value came back at {$740000.00}. After numerous failed attempts to speak with a representative from Dovenmuelle Mortgages Research department, I decided to pay for an additional independent appraisal, even though this was not requested by the mortgage company. The appraiser from XXXX XXXX XXXX XXXX XXXX determine that the house was worth {$760000.00}. Furthermore, the appraiser reviewed the appraisal done by XXXX XXXX XXXX and provide a rebuttal letter detailing the mistakes made by this company. I submitted the new appraisal along with the rebuttal letter to my mortgage companys Research department in XX/XX/XXXX and I received a final response from the company a few weeks later stating that the value of my home was {$660000.00}. I called the mortgage company and I spoke with the customer service manager who apologized for all of the inconvenience, but she couldnt help as she was not from the research department. I do not understand when and how it was determined that the value of my house increased to {$660000.00} when a new appraisal was never done by my mortgage company. Was this determination based on the independent appraisal and rebuttal letter that I provided? All I want is for a new appraisal to be done by a company that is familiar with the XXXX XXXX/ XXXX XXXX XXXX , but i have not been able to speak with a representative from my mortgage companys research department who would be able to explain the reasons behind their decision and if my request for a new appraisal can be granted.
Consumer complaint received 2018-09-29
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. (NY)

I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (WI)

This issue began when Midland Funding LLC, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that Midland Funding verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

I called Wells Fargo to close a credit card last fall. I used to have a checking account with them and would periodically sign into my account but have since closed that. I only just discovered through a credit reporting agency, however, that the card was still open and that I was assessed an annual fee in XXXX and then late fees every month thereafter until XXXX. I have not used the card in years, and thought it was closed. I just called to ask if the card had been closed, and in any case if I could be refunded the annual fee and the late fees. I was given a roundabout answer and transferred to a few offices, and none of the representatives I spoke with could clarify what the process for " investigating '' the card 's status would be.
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (NC)

XXXX ; Experian and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: New Era Asset Management, LLC (OH)

I settled the account with new era assets for the amount of XXXX and it is still showing up on my credit my report and negatively affecting my score. On my credit report its showing as a collection from XXXX XXXX. But was then taken over by new era assets.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Fedloan Servicing has under-counted my qualified payments for the Public Service Loan Forgiveness program. The company says that it reviewed my account and added two more months of qualified payments. However, I am missing 8 -10 months of payments. I filed a complaint with this office before but the office only reported back what Fedloan Servicing said. I hope this office does more than simply report back on what Fedloan Servicing says.
Consumer complaint received 2019-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX and Transunion are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

CITI CREDIT CARD They closed my account had over XXXX in points with the account paid all my balance on time dont even know why they did that tired calling them no answer they citi representative said send you a letter never did in the first place they jest closed my credit card account
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NJ)

I am writing to seek clarification and verification regarding the reported late payment associated with my TRUIST BANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (IN)

I originally received from XXXX XXXX XXXX and I sent a letter dated XX/XX/XXXX to which I heard nothing Then I received a letter from XXXX XXXX to which again sent a letter to them XX/XX/XXXX. Again I received a letter from they to which again I sent them a letter no response. Then I received a letter from XXXX XXXX XXXX which again I responded again asking them to verify my debt per FCRA To which they responded with letters of debt but no varication of debt then they put on my credit report. I don't have copies of orginal letters. 








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Consumer complaint received 2023-04-28
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX AND XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (VA)

XXXX XXXX got a charge on my account for an account that is not mine. Its charged me {$380.00}. This is an fraudulent account and I have no idea who opened this account in my name. I did not approve or authorize myself to an with XXXX XXXX. I have no idea what is this. I looked it up and its cable. I never had a cable account in my name or got cable.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NY)

I switched company from XXXX XXXX to XXXX. XXXX was suppose to take care of the cancellation fees while I covered the past due balance on the account and return their equipments. Which I did. But a collections was still placed on my account. I was called by credit resource management and I told them I needed the last month bill so that XXXX could take care of the rest of the bill. They kept saying they sent it out but I never received it so I was unable to give the bill to XXXX. I ended up paying the rest of the bill and somehow they still sent the bill to my credit score even though I paid. I never once received a mail about it