davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Coradius International LLC (TX)

XXXX submitted my account due to non payment to a collections agency American Coradius International LLC which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called XXXX and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent XXXX a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to XXXX and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as XXXX and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION (MD)

This is to report a false advertisement and a mail fraud thru U.S. Postal Service, violations committed by M & t bank. 
Attachments are an offer to me at my address thru U.S. Postal Services. ( Page 2 ) Get a {$300.00} bonus cash bonus. See page 5 for details. 
Open a XXXX XXXX account at M & T branch by XX/XX/2019. 
Maintain an average monthly balance of at least {$10000.00} for the calendar month of XX/XX/2019 and XX/XX/2019. 
Your {$300.00} cash bonus will be credited by XX/XX/2019. 
On XX/XX/2019, Mr . XXXX XXXX spent more than an hour calling the center to get a code in order to open this account. 
On XX/XX/XXXX I called the XXXX to inquire about the {$300.00} bonus, after more than 40 minutes I was told there was no promo code and that I had to go back to the branch. 
On XX/XX/XXXX about XXXX XXXX I was at the branch asked MrsXXXX XXXX XXXX to talk to the branch manager, she stated the manager is busy and she could help. I informed her that I was closing the account by the XX/XX/2019 but, according to my previous inquiry to the call center, there is an issue with my bonus despite the fact a valid code was given to Mr . XXXX XXXX at the time of the opening the account. 
I presented her with a copy of the offer ; she spent about an Hour talking, I suppose to XXXX XXXX at XXXX XXXX NY, XXXX who at one point alleged a fraudulent or suspicious mail offer which I quickly challenged her. Then I was finally told by Mrs. XXXX that everything was escalated and I was assured everything is straightened out, and that she is on the top of it. 
Next morning Mrs. XXXX left a message at XXXX XXXX to call her exhibit ( page 3- exhibit : A ). When I called she stated the call was to assure me again that she is following up on the issue. I called her back again to remind her XX/XX/XXXX is the date. 
On XX/XX/XXXX I had to spend about half an Hour ( see calls attachment ) on the phone with Mrs. XXXX and also the branch manager regarding this, finally I alert them both, in an event the {$300.00} is not in the account by the XX/XX/XXXX the bank is in violation and that I would have no choice but to report to regulators. Mrs. XXXX, who had ignored me in the past, condescendingly stated : THAT IS YOUR PREROGATIVE. 
As of today, I have kept the account only open to receive the advertised bonus ; the {$300.00} has not been credited, but an amount of {$24.00} has been deducted for a service charge. 
The amount of time I have spent on this clearly shows many inconsistencies which substantiate intentional fraud on the part of M & T bank which unfortunately makes a bad name for the banking industry. 
Sincerely,
Consumer complaint received 2024-03-31
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I purchased online from XXXX a camera with XXXX lenses for {$540.00} and charged it to my American Express credit card. The product never arrived. I tried to contact the merchant, but their email, phone number, and contact us links are not working. 

I disputed the charge with Amex. The dispute was denied because the merchant supplied a XXXX tracking number showing a completed delivery. I queried XXXX and they gave me documents showing that the deliverys recipient was not my name nor my address and the product shipped was an envelope weighing less than a pound, too small to contain a camera and lenses. 

Ive reopened the dispute multiple times with this info and Amex repeatedly denies the dispute saying the merchant sent proof of delivery. 

My main points : -I and my address was not specified as the recipient of the XXXX shipment. 
-I have no way to contact the merchant.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group has stated that I owe {$110.00} for medical bills that were not paid. However, I know I have never missed a medical bill payment. They told me to contact the medical practice that issued the debt, so I did and they said they have no record of sending a debt to collections. I called Paragon back and asked for them to provide a Debt Validation letter they said they already sent one to my address and it came back undeliverable. The agent then said to call the post office to find the letter that he just said was returned undeliverable. I asked him to send the Debt Validation letter again and he refused and then hung up on me.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (LA)

The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax flagged my account with " 039-Serious Delinquency '', when I do not have any accounts late and never had. Credit Report from XXXX shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
Consumer complaint received 2024-03-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (CA)

I got the car end of XX/XX/2021. I filled out paperwork for auto draft that was sent to me in the mail. I mailed the form along with check and nothing was taken out of my account until early XXXX. The car is placed under repossession XX/XX/XXXX and paid back by owner. I found out through my own research the dealership made a fraudulent deal with me saying I put down XXXX when I only put down XXXX and did a trade in. Because the dealership is not factory owned, by law they can not match my down payment just to get a sale. They had no choice but to buy the car back once westlake found out but they said the reason was a late payment. I have not made any late payments and they have not reported any late payment history on my report
Consumer complaint received 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OF THE WEST XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-02-21
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: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I have received 2 letters from this company threatening to sue me. They are sending fake letters to look like court documents. They are also contacting me at work and calling friends. They do not tell you what the debt is. After reviewing the company online it looks as if this is their scare tacit to try in collect money they can not provide proof they own this debt if in fact there is debt owed.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Yesterday on XX/XX/2019 at approximately XXXX ( time of receipt ), XXXX from the Capital One Branch bank at XXXX XXXX and XXXX XXXX by XXXX XXXX , issued me a cashier 's check for {$2800.00} that wasn't signed. I deposited it into my XXXX XXXX account at XXXX at the XXXX XXXX XXXX branch , only for me to be notified by XXXX XXXX that Capital One had not signed the check. This caused me overdraft fees and a negative balance. I went to capital one and even called the branch to see how this could be rectified because I have bills to pay and have no cash or funds to pay my bills with, and they told me that they couldn't do anything about it despite it being their mistake. I am now left without any funds and can't pay my bills due to this issue. They also are withholding {$2500.00} of my funds claiming that they are fraudulent XXXX  payments, when in fact, I sent them from my own bank account to myself. They have refused to issue me my full funds so that I can close my account. I took time off from my consulting assignment in XXXX to fly here only to be met with them withholding my funds. I have been calling them since XXXX to close the account and send me my funds, and asked them to do so on three separate occasions ( there are call logs/recordings with proof ), and each time they agreed to do so but didn't hold their end of the bargain. This prompted me to take time off from work to rectify the situation. Please help me resolve this issue so that I can get my funds back from Capital one.
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Dear Sir/Madam, I have a mortgage with XXXX XXXX ( lending affiliate of XXXX XXXX XXXX , XXXX ) subserviced by Loancare , LLC. They have recently increased my monthly payment as they informed me that I did not submit proof for Home insurance. But this account is not a impound account and I am managing my home insurance outside this account by myself. I have proof that I paid my home insurance and I faxed them all the documents. But till date they have not changed the monthly payment amount and I am paying extra. I had multiple call with XXXX   but they are forwarding the call to various department but none of them providing any resolution and they are informing me that the case is being investigated. I have been contacting them from XX/XX/2019 to fix my monthly payment. But they have not fixed yet. Please advise. 

Previous monthly payment : {$2200.00} Modified monthly payment : {$2300.00}
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (SC)

Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).
Consumer complaint received 2019-10-10
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. (FL)

Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-07-04
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. (OR)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

Occured in XXXX of 2017. XXXX  continued to charge me for an account from XXXX XXXX  that I had settled. I have sent copies of conversations I had with their Reps to their Debt Department that acknowledged that I had paid the early termination fees. Within 2 months the collections came off my report only to have it now come back on. I did that last year and it was off in XXXX.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to dispute the following information that Capital One provided to XXXX and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This Capital One account opened XX/XX/2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that Capital One have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.
Consumer complaint received 2019-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I keep receiving mails from this debt collection agency ( Credence ) claiming that I have an outstanding balance with XXXX XXXX XXXX XXXX. I have never have had any account with them ever. they try to blackmail me for something that I do not know about. they have previously reported this to XXXX  and XXXX  before which I have provided all necessary documentations and therefore got it removed from my credit report. however they keep sending me more letters trying to send them a money order.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I am having trouble getting proof that I paid off a credit card that went into collections, and it is prohibiting me from getting a home loan, as the letter that I have from the collections agency is apparently not good enough. 

I paid the account off through the collection agency in XX/XX/2019 ( please see the attached ), and when I went to have my home loan people run my credit through XXXX ( their credit vendor ) and do a Rapid Rescore to have the balance reflect at a Bureau level, and they informed me that the documentation needed to come from TARGET themselves. 

I called TARGET and they informed me the account was no longer held with them and provided me a number to call to get further information ; the phone number was for the Law Office ( that I had originally spoken to in order to pay it off ). So then I called TD BANK and they informed me that they no longer had the account either.
Consumer complaint received 2019-07-04
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)

THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.
Consumer complaint received 2019-07-04
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. (NY)

THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.
Consumer complaint received 2019-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo continues to refuse to remove accounts that we opened under my name during a divorce. I did not open the accounts. My Xwife was violent, she used bats, frying pans, lamps or any other large object that might have killed one of my children. I stopped her because police and child protective services would not help. I was alone. I got punished for stopping her, she would attack me screaming that I was undermining her parental authority. I suffered uncountable XXXX XXXX, XXXX XXXX and XXXX XXXX. Eventually I checked myself into a XXXX hospital. It has been 4 years now and my Xwife still sends me emails from new accounts laughing at the dept she piled on, but I can't prove it is her. Why must I continue to suffer even though I have gotten away?