davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases. 

I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed. 

For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.
Consumer complaint received 2019-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TN)

I received my annual escrow analysis which shows a shortage of {$110.00}. My XX/XX/XXXX beginning balance was projected to be {$1700.00}, but it was actually {$2000.00} ( a {$260.00} surplus ). My 12 month ( XX/XX/XXXX - XX/XX/XXXX ) escrow payment is {$250.00} which totals {$3000.00}. Added together my 12 month projected should be XXXX and my 12 month actual would be XXXX. My projected city , county taxes and homeowners insurance comes to {$3000.00} and my actual was {$3100.00} due to a {$79.00} per year increase in insurance premium. If I subtract the actual taxes and insurance of {$3100.00} from my 12 month actual of {$5000.00} I should end up with a balance at the beginning of XX/XX/XXXX of {$1900.00} where they are showing a final actual balance of {$1700.00}. This equates to a difference of {$250.00} which is exactly 1 escrow payment and is greater than my supposed shortage of {$110.00}. My statement shows a {$0.00} increase in the month of XX/XX/XXXX. US Bank is stating that this was due the analysis being performed in XXXX and not counting that month 's payment in the actual, yet my payment was posted early in the month and they are showing payments and balance increases for XX/XX/XXXX and XX/XX/XXXX. I have spoken with 2 representatives and requested a review with no change in their stance. They have also refused to perform a 2nd escrow analysis, as they say then can't unless I am refinancing my mortgage.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

XX/XX/2022. Received a hand delivered letter that vehicle was past due. I immediately paid the bill over the phone in the amount of {$1400.00}. Account was up to date. 
XX/XX/2022. Vehicle was taken from residence. immediately contacted South East Toyota Finance and was told it was repoed in error. There was no due balance on vehicle. Had to take off work and drive 60 miles to recover vehicle. Was told it would not go on credit due to " unintended '' repossession. 
XX/XX/2022. Spoke with customer service rep ( XXXX ) and manager, was assured it would not go on credit. 
XX/XX/2022. Received first letter saying my vehicle was being sold at auction ( it was in my driveway ) XX/XX/2022. Showed up on credit. Spoke with customer rep ( XXXX ) and said it was reported in error and that it would be taken off. 
XX/XX/2022. Tried to make payment online and by phone. Account is showing closed. Called and spoke with ( XXXX and XXXX XXXX. was told they would send email to have it fixed. 
XX/XX/2022. Account still closed and can not make payment by phone or online, spoke with customer rep ( XXXX ) XXXXReceived letter that my vehicle was being sold in auction, the vehicle was in my driveway. Was told I received letter in error. 
XX/XX/2022. Can not make payment by phone or online. Spoke with customer service ( XXXX ). Was told I could use XXXX. I paid {$700.00} through XXXX. 
XX/XX/2022. Can not make payment on phone or online. Spoke with customer service ( XXXX ). XXXX was received but would be put in an escrow account because account was closed, she would send email to manager. 
XX/XX/2022. Account still closed. Vehicle is showing repoed. Can not make payment by phone or online. 
XX/XX/2022. Credit report still showing repoed remarks with missed payment. I had a XXXX credit score. 
My credit is horrible now. I just want to make payments and know they are going to my account. I took care of the missed payment within the hour of being notified, over two months later, and the only response I can get is " ill send an email to manager ''. Meanwhile nothing is being done.
Consumer complaint received 2020-11-10
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-10-17
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. (NJ)

i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation
Consumer complaint received 2020-11-09
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. (MA)

Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped 51-54 points because of XXXX. According to XXXX, and Transunion my credit score decreased 51 and 54 points respectively because XXXX  balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information to them. My card was stolen and XXXX denied me access to my account. I was not able to see unauthorized purchases or pay the bill.
Consumer complaint received 2023-04-03
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. (PA)

Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX, I reached out via courier service to Midland Credit Management asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing, nor that they own the alleged account.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

on XXXX XXXX, i sent a letter to convergent asking them to rescind the money that i paid them and the information below : CONVERGENT OUTSOURCING, INC ATTN : XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XXXX  XXXX Alleged Debt Amount Balance ( Paid ) : {$150.00} Dear CONVERGENT OUTSOURCING, INC : I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.. Finally, send a check payable to the order of XXXX XXXX XXXX for the {$150.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 



cc : Consumer Financial Protection Bureau via fax XXXX
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I have excellent credit. I have few Credit cards. One was XXXX XXXX XXXX through Comenity Bank of Ohio. I used the card for member benefit only and would pay it in it's entirety after each use. Back in XXXX ( I believe ) I ordered some things and made a phone payment that was a day or two late. I did automation and it did not tell me the payment was late. Months later I started getting phone calls and a few emails from Comenity Bank. I honestly thought this was a scam as I was getting a lot during the pandemic. I finally answer to get them to stop and I find out that I was being charged late fees and interest from that late phone payment. I got them to waive one month 's fees due to my good credit standing but they couldn't let it go completely. Since it was my fault for paying late from the beginning I decided to pay what was left and close the account due to Comenity Credit practices and I told Victoria 's Secret about this as well. On XX/XX/2022 I paid Comenity Bank, by phone, XXXX of interest and late fees without a purchase balance and closed the account. 
Well it has started all over again. The emails, the phone harassment, and I have no idea what the heck they are saying. The account is closed and they are talking interest and late fee 's AGAIN from what I can understand due to their language barrier. Please shut this bank down. Their thieves.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WI)

I've settled a credit collection with a 3rd party collection agency, and the balance should now be at {$0.00} instead of showing that I still owe a balance on a closed and charged-off account with a credit card financial institution.
Consumer complaint received 2018-04-24
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. (TX)

There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately
Consumer complaint received 2022-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: V and H Portfolio (TX)

Mailed validation letter to company on XXXX requesting validation. Received a response on XX/XX/17 stating they have requested information from company. 
Vance and Huffman stated on their website that this inormation would NOT be listed on my credit report. It is listed as a collection. 
I have contacted the XXXX XXXX of XXXX inquiring if this company is license and bonded in Texas to collect. I have been informed that they are not licensed in Texas. The XXXX XXXX of XXXX requires you to be licensed and bonded to collect in Texas.
Consumer complaint received 2020-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I lost 2 jobs due to Covid and I have tried calling SLS loan services, but I always get the run around. I want to apply for a Covid forbearance ; my loan is backed by XXXX XXXX. I have never been approved and they always tell me that I have to keep waiting. 

Today I called again, I was told they would put in a request to see if I can get approved, but will not give me any proof that they put in the request this time. I can not log into my account to place the application due to the fact that I am on chapter XXXX and they will not allow me to view my account online unless I cancel my chapter XXXX plan. I will not be doing that. Please see the information below found on the XXXX  site. 

If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus ( COVID-19 ) and your mortgage is owned by XXXX XXXX, contact your loan servicer ( the company listed on your mortgage statement ) right away to discuss your options. 

Whether youre facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, XXXX XXXX is working to ensure you are protected. In fact, the company has directed your loan servicer to provide mortgage relief options that include : Ensuring payment relief by providing forbearance for up to 12 months Waiving assessments of penalties or late fees Halting all foreclosure actions and evictions of borrowers living in homes owned by the company until at least XX/XX/2020 Offering loan modification options to provide mortgage payment relief or keep those payments the same after the forbearance period Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property.
Consumer complaint received 2020-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted a complaint on XX/XX/year> ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/year> at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, XXXX and Transunion to notify them that this account should be removed from my consumer report IMMEDIATELY.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (GA)

Early Warning has a couple accounts listed on my profile Early Warning that's from XXXX  XXXX XXXX as well XXXX XXXX with totally different social security number then what was giving to me at birth. But Early warning has place them on my report without doing their on research which they would have caught it because my ss starts with XXXX not no XXXX so I'm requesting Early Warning to remove these accounts from my profile on their system or a lawsuit will be file on my behalf. Which i never knew one can have 2 social security numbers i have proof of my social security card as well when i received it from the Social Security office. I spoken with XXXX XXXX they are still stating its mines but cant provide proof its mines nor can they confirm that the social number is mines which i gave them my numbers and also offered to go into their branch with my information but they stated its not needed. XXXX  XXXX XXXX sent me letters out stating its not mines and that i didn't nor don't have account with them at all as i went into XXXX XXXX XXXX branch with my information and they couldn't match nothing to me. But Early Warning has it as mines on their profile for me. Early Warning is tying other people information on my profile which i need removed and a new copy of the report sent out to me asap with the correct information that's not reporting XXXX  XXXX XXXX and XXXX XXXXl on my profile. Attached is a letter from XXXX XXXX XXXX stated that their not reporting under my name but Early Warning is reporting under my name.