davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My compliant is against Synchrony/Gap account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (AR)

Continuous calls for XXXX XXXX beginning on XX/XX/19 from XXXX, after blocking this number, the calls started coming from XXXX. All calls are from the same individual who claims his name is XXXX XXXX and he needs to " ensure the proper delivery of required documentation his company requires '' and also he claims " if the information can not be verified to return the call back so my records can be updated ''. 

Well I tried to call and was subjected to a computerized system that attempts to glean information from the caller. NO THANKS! 

After filing a complaint with CFPB case # XXXX, against XXXX XXXX XXXX XXXX XXXX, Everest Receivable Services Inc. started calling. I suspect XXXX pushed this to Everest after making the CFPB complaint. 

I'm including my prior complaint with CFPB attached.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KS)

XXXX XXXX offered a {$300.00} bonus for opening a new consumer checking account in a branch between XX/XX/2019 and XX/XX/2019. The two other requirements are 1 ) completing 2 or more direct deposit of {$2000.00} minimum in total within 60 days of opening account and 2 ) enroll in XXXX XXXX   online banking before XX/XX/2019. I did open the easy checking account on XX/XX/2019 in local branch using the promo code as advertised and enroll in online banking the same day. I've completed 3 direct deposits and the total amount is around {$2500.00} by XX/XX/2019. So clearly I already meet all the requirement. However, I haven't received the {$300.00} so far. I tried to contact the XXXX XXXX customer service but they sent me back and forth to various different departments and finally directed me to contact the local branch. But the local branch just said I need to contact the customer service to ask for the bonus. Now it goes to an endless loop and nobody in the XXXX   XXXX will help me solve that issue.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Wise Recovery Solution LLC (WI)

I owned my XXXX credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed XXXX and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when XXXX XXXX stopped reporting on Credit Wise ). 

XXXX : In XX/XX/XXXX I have been informed on CreditWise that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on CreditWise, I have found that XXXX payment was reported from XXXX, and also myXXXX XXXX XXXX reported ( only on CreditWise ) debt over my credit limit. However, my financial aid ( latest from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The CreditWise website mentioned that thay have pulled the information from XXXX credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX, and XXXX, where everything was also correct. 

To sum up, everything was completely correct, beside Credit Wise report of my XXXX XXXX account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX, which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to XXXX, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called XXXX XXXX. I have called them 3 times more to XXXX XXXX. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact XXXX XXXX again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?
Consumer complaint received 2019-09-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nevada Credico, Inc. (NV)

QUANTUM COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amount {$220.00}.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX erroneous inquiry dated XX/XX/2019 should be removed from my Experian credit report. The credit card was approved on XX/XX/2019 based on my application submitted on XX/XX/XXXX when my credit was verified, so this is an error.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OH)

My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX  in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I  contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I have reached out to Midland Funding once a received a letter a couple of months back, and notified them once I saw XXXX   that the debt being collected is not mine. I had a XXXX  credit card back in 2006, which I only had a credit limit of XXXX, and rarely used it. That card was paid off and closed. They are indicating I owe {$1000.00} without any proof of transactions or payments. Now months later, I have a Notice To Debtor that  went to a court in a county I lived in over 7yrs back, never received any legal document prior to this week of the XXXX of XXXX. It indicates they levied my bank. I have sent multiple letters when I received the collection letter and disputed it online complaint over a year ago, and now I receive a letter that they sent to the court.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}
Consumer complaint received 2022-03-30
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: AMERICAN EXPRESS COMPANY (NJ)

I was informed today that the American Express Company changed the address on the corporate card of my former employer of whom I left in XXXX of XXXX. They did this without my permission. I asked them only to send me copies of back bills so that I could make fraud charges for expenses made after my retirement. They had no right to do this. I phoned them again on XX/XX/XXXX and said I did not " request this change. '' After speaking with two agents, they refused to do anything
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (IL)

I received a bill from XXXX XXXX for anestesia that was provided for my daughter at XXXX 's in XXXX. I contacted XXXX XXXX to let them know they filed the insurance claim against me, not the patient, my daughter. My daughter had already met the XXXX deductible, thus, the cost would be borne by my insurance company. XXXX XXXX acknowledged the error and stated they would resubmit the claim properly to XXXX in my daughter 's name. 

I then received a notice from American Accounts & Advisers dated XX/XX/XXXX indicating they were attempting to collect my debt of {$570.00} shortly thereafter. I notified them of the above, they indicated that it was too late to submit to insurance and that I owe them the money now. I disputed the charge at that time. 

I received another notice on XX/XX/XXXX that I owe them the money. 

And have now received a notice on XX/XX/XXXX that I owe them the money and threatening legal action. I called them again today, XX/XX/XXXX, to find out what the dispute process is- they indicated their attorney may contact me but that they had noted this account was in dispute in XX/XX/XXXX as I requested.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My US Dept of Education and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I'm having a problem with Huntington Bank I called in and updated my address for my new car to be shipped and this is my second time updating my address they never sent my card to the first address that I have one file which is my mailing address so by me not getting the card I called in again and gave him my current address or I just moved that they shipped my card and when I try to activate my card they told me there was a hold placed on my account so I called in and spoke to a supervisor the supervisor told me he see the problem with my account and the problem came from an employee at Huntington Bank where there was a hold placed on my account by one of Huntington Bank employees not putting the notes in the computer they are asking me to fly back to Kentucky just to walk in the branch to show me a photo of my ID to get my account back and I just spoke to them letting them know that I just had a XXXX child and that I can't make it back to Kentucky at the moment so everyone I'm speaking to his being very disrespectful the calls are recorded and I don't feel like I should be going through this XXXX because of a error made by the bank
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX XXXX offered to forebear some mortgage payments because the area we live was declared a federal disaster area after a Hurricane. 

All payments agreed were made on time as requested with no late fees or letters In XX/XX/XXXX the account was sold and Shellpoint began to administer the account All payments were made on time with no late letters In XX/XX/XXXX the HAMP/HARP payment of {$5000.00} should have been awarded. Shellpoint refused and started sending me late letters and charge me for home inspections. 

After I proved the facts they eventually agreed to credit the {$5000.00}, which they had no choice after acknowledging I was never late and therefore entitled to the money However, they refused to refund any fees They also decided to incorrectly list me as owing thousands more than I did with the Credit Agencies and show no payments How can I be on time ( therefore receiving HAMP {$5000.00} ) and in arrears. 

Impossible
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I am suffering from XXXX XXXX XXXX and my mortgage company will not help me with any kind of assistance. I could pass away at any moment, but I need to have this taken care of as soon as possible. SPS does not care about my health issues and simply ignores my financial problems and they do not want to help us take care of my problem. I don't want to leave this hanging and my doctor says now I am only on a medication remedy, and nothing further can be done. Please I am complaining to my mortgage company to come up with a reasonable plan that I can afford.
Consumer complaint received 2019-05-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group (FL)

My complaint is against Velocity Investment LLC ( Debt Collection Agency ), that I was paying on two loans that I had got behind from the original lenders : ( XXXX XXXX / XXXX XXXX XXXX ), due to the lose of income. Velocity Investment LLC deliberately sent false statements to these three other Debt Collection Agencies : 1. XXXX XXXX XXXX. 
2.XXXX XXXX XXXX XXXX XXXX XXXX 
3. XXXX XXXX XXXX , XXXX. 
Stated that they ( Velocity Investment LLC ), had ONLY received the last payment in the amount of {$30.00} dollars on XX/XX/XXXX ( XX/XX/XXXX ), when they had been receiving payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX payments ). After receiving these letters and numerous harassing phone calls in XX/XX/XXXX ( and continue phone calls now from XXXX XXXX XXXX , XXXX, XXXX XXXX ). On XX/XX/XXXX, I had called Velocity Investments LLC, and spoke to the Office Manager, Ms. XXXX about this matter and ask her why did they send a false statement to other Debt Collection Agencies, and stated that your company had ONLY received the last payment in the amount of {$30.00} dollars as of XX/XX/XXXX, when you where still receiving payments, as of XX/XX/XXXX - XX/XX/XXXX. Ms. XXXX stated to me in a very rude and disrespectful way that she could no longer talk to me about my account, because it was turned over to other Debt Collection Agencies, She said, " You call them, '' and I don`t have anything else to say to you. After not giving me any reason of why this took place, Therefore, I had filed a complaint against Velocity Investment LLC with  the XXXX XXXX XXXX in my city ( XXXX, FL ), on XX/XX/XXXX, But they stated to me, that this case was out of their district and refer me to your company ( Consumer Financial Protection Bureau ), to see what type of help that I can get in this very stressful situation.
Consumer complaint received 2024-03-02
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Since XX/XX/XXXX, I have set up Auto Pay to pay my monthly mortgage payment to Lake View Loan Servicing LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ; Phone : XXXX ). This month ( XX/XX/XXXX XXXX I have noticed that Lake View Loan Servicing LLC XXXX did not make any attempt to charge my checking bank account for the XXXX payment despite of sufficient funding in my account. I have tried hard to contact their toll free number waiting on the phone line for 30 minutes to one hour with no opportunity to talk to a customer service representative. I now realize that I have been assessed a late fee for the amount of {$46.00}. I have set up a one time payment to pay for the XXXX charge plus the late fee but I am baffled to find out why Lake View Loan Service LLC XXXX did not make any attempt to take out the monthly mortgage payment automatically from my bank account this month and then charged me {$46.00} for late penalty. I think there is a glitch in their system which I don't know how to find out because there is no one in their company to answer my phone.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was out on XXXX, and went into a XXXX XXXX XXXX. I was in contact with the creditor, XXXX XXXX through out the entire time. I made a payment arrangement with the debtor and was told this would not appear on my credit report. I have filed two disputes with Experian, and one with XXXX to have this corrected as per the debtor. I spoke to the debtor earlier this week, and they confirmed that they would take care of it. After filing 2 disputes with Experian, and in spite of the mortgage companie 's assurance, Experian refuses to correct the information. I am getting frustrated. Thank you.