davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roach & Murtha, P.C. (NY)

Last week was the first time I've been made aware that someone was trying to Bill me for a debt they are saying I owe. The last time I did business with this company ( XXXX XXXX XXXX XXXX ) was 3 yrs ago. I understand that if I am responsible for a debt I have to pay it, but I need to be sent a bill or some sort of attempt to send an invoice or to call, or email to bring to my attention that someone is attempting to collect a debt from me. The first I'm hearing of this is Last week when I received papers threatening to sue me for an uncollected debt that I have been completely blindsided by that they are claiming I owe.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (OK)

I never received written notification concerning this debt, which is in direct violation with the Fair credit reporting Act. I was never given the 30 days to dispute the validity of this debt and I would like the creditor to provide strict proof that written notification was given.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.
Consumer complaint received 2019-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

A wells fargo banker ( XXXX ) at the XXXX, VA officer called me a criminal for post dating a check. 
I wrote the check with a future date because I would be out of town on the first of the month and asked a friend to mail the check a day or two before the due date so it would arrive on, or maybe a day after, the due date. My friend instead walked the check into the bank on the XXXX, which refused to accept it because of the post date. My friend brought the check back on the first, which was then accepted. I later discovered it is a bank policy to not accept a post dated check, which I accept despite the fact Wells Fargo central payment facilities routinely accept post dated checks all the time ( Wells Fargo words, not mine ). What I DO NOT accept is during a visit to the branch a banker ( XXXX ) stated repeatedly it is, " against the law to post date a check '', and even said, " that's the first thing you learn in banking school ''. I find it hard to believe 'that 's the first thing you learn in banking school ' because : 1- It is NOT illegal to post date a check, and 2- a bank 's branch policy does not make law. Repeatedly insisting I was engaging in criminal, illegal behavior by post dating a check is the same as calling me a criminal. A few weeks later when revisiting the situation with the branch manager, who was also present during the earlier encounter, the manager denied the banker ever said those words. Eventually the manager 'remembered ' those words being directed towards me and offered an insincere apology.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a Credit Card with Capital One ( Card Ending with XXXX ) and have a 0 % Balance Transfer. On my Statement, I can see the " Promo Purchase in Grace '', along with Percentage Rate ( 0.00 % ) Balance Subject to Interest Rate, and interest Charged ( 0.00 % ) Nowhere does it show the Expiration Date of this Promo Balance. I have looked online at my billing statement, as well as my paper copy. I have called EVERY MONTH after receiving my statement and explain the same complaint to no avail. Every other Card shows when the promotion expires, which leads me to the belief, that Capital One hopes that date will be MISSED They have no problem supplying the following information Previous Balance Payments Other Credits Transactions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX As well as Payment Due Date New Balance Interest Saver Payment Minimum Payment Due. 

I have spoken to Representatives, Supervisors and they all agree that this is an issue, yet No One can do anything about it.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to XXXX XXXX main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX. 

I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

Cashcall continues to report an account as a chargeoff to my XXXX and XXXX credit reports. I have paid this account in full and have a letter from XXXX XXXX XXXX verifying the payoff and that it should have updated to my credit report to release me of financial and legal obligations in regards to the Cashcall account. The letter is showing paid in full on XX/XX/XXXX. I tried to do a debt verification with Cashcall and they keep referring me to XXXX XXXX XXXX as a sold debt with a refusal to update the account and they are now sending it to collections and skip tracing ; vindictively. I have spoken to that company that sold the debt to XXXX XXXX that sold it to XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX today XX/XX/XXXX and they are no longer in business. 
The first delinquency was also reported on XX/XX/XXXX. With the date being XX/XX/XXXX. This should be removed via the 7 year rule as well. 
XXXX refuses to update an account that has been paid fully back in XXXX. I also have two legal cases in regards to their collection activity in California being deemed illegal for unconscionable interest rates and therefore uncollectable. Refer Supreme Court XXXX XXXX XXXX XXXX  XXXX vs. CashCall Case # XXXX XXXX circuit No. XXXX and United States District Court of XXXX District of California Case No. XXXX XXXX Consumer Financial Protection Bureau v CashCall.
Consumer complaint received 2019-04-02
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. (SC)

I have a collection on my credit report from a collection agency called XXXX XXXX XXXX XXXX who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. XXXX XXXX XXXX XXXX does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint. I previously disputed this collection with Transunion but it came back verified. There is no way this account was properly verified because the original account can not sell the account due to arbitration. I called to speak with someone who informed me that they have not violated the arbitration clause and that they did not sell the debt in which the amount and last date of payment is incorrect as well.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

on XX/XX/18, i made a charge on my credit card payable to the state of ca department of motor vehicles. around this time my credit card company notified me of potential fraudulent charges on the card. they contacted my wife and asked about recent charges. at the time she did not recognize the dmv charge and when questioned by citibank along with other charges. she was told that in the event the charge was legitimate, we can have them reprocess the charge. the charge made on the credit card was a dmv vehicle registration renewal. we later called and notified citibank that the charge was legitimate and had them reprocess that claim. on XX/XX/18, i receive a letter from the dmv that the charge was credited back to my citibank account and now owe the sum of {$200.00}. on XX/XX/18, i went to my local dmv to try to resolve the matter. i showed them the initial charge of {$200.00}, the reversal, and the reinstated charge. according to the dmv, they would not be able to accept my records as a form of payment and needed to pay either by check or cash since my credit card initially defaulted. so in order for me walk out with a valid vehicle registration, i would need to pay again in the form of a check. at this point i called citibank to reverse the charge made to the dmv but can not do so because dmv must do it. its been almost 6 months and i still have no resolution. I've contacted supervisors at citbank with no such luck. essentially my issue is i paid twice for my vehicle registration renewal.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (MO)

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

Had a PNC virtual wallet account that was in good standing, and I closed it over 2 years ago, in person, at the branch. I kept, however, getting statements that showed a {$0.00} balance and notices from PNC that my account address had changed after every time I moved, and every time I called PNC bank they told me that their system had been undergoing maintenance, so they were unable to even locate my account, let alone close it. 1 year ago the representative assured me that my account was closed, but today I got another letter from PNC bank telling me that it was to " confirm an address change request submitted by you or a joint account holder either to PNC directly or through the US Postal Service. ''
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (FL)

I sent a certified debt validation letter to Harvard Collections Services on XX/XX/2019. Harvard Services received the certified debt validation letter on XX/XX/2019. On XX/XX/2019, Harvard Collections sent me letter stating that they have the ( {$780.00} ) bill and the XXXX in the " Amount You Owe '' does not mean that I have a XXXX balance. Harvard Collections Services has failed to provide me with proof of validation- did not include Medical Consent,  contracts with my original signature from the Original Creditor and not the collection agency. In addition, Harvard Collections Services revoked the authority of its registered agent in Florida to accept services on its behalf on XX/XX/2019. Therefore, Harvard Collections Service is not legally licensed or bonded to work in the state of Florida.
Consumer complaint received 2022-08-19
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. (IL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (SC)

I have a collection on my credit report from a collection agency called Professional Bureau of Collections who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. Professional Bureau of Collections does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.
Consumer complaint received 2019-04-13
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. (GA)

Unauthorized inquiries on credit report were disputed and were not investigated nor removed.

XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for an Amex Gold Business credit card. The promotion stated spend {$5000.00} within the first three months and receive XXXX bonus points. I did that. Its been six months and I havent received the bonus points. I received this card in XX/XX/XXXX. I spoke to a rep from Amex in XX/XX/XXXX. She told me she was going to open a case and I would receive my bonus points within 6 weeks.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

I had a repayment plan with XXXX XXXX XXXX in order to keep my home. I have made payments on time every month since XX/XX/XXXX. I filed a complaint with CFPB towards the end of last year against XXXX because they would not work with me in regards to the balloon payment. I requested extra time because I am on a leave of absence from my job because of a XXXX XXXX. After filing the complaint, XXXX agreed to work with me and stretched out my payments. I received a letter in the mail XX/XX/XXXX stating my mortgage has been sold to Rushmore Loan Management Services. I  called the relationship manager assigned to me, XXXX XXXX. I left a message on her voicemail asking when and where I need to send my check for XXXX 's mortgage. I have never received a call back from her or anyone from Rushmore. I have received paperwork stating my house would be in foreclosure, again. I only have about six months left and a balloon payment left on my repayment plan. I do not want to loss my house or start this over again.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (GA)

I applied online for a refinance mortgage. I sent in my tax returns and other information the Company requested. They pulled my credit on XX/XX/2018. I still have not received any disclosures, denials or other info regarding my application.