davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (UT)

Caine & Weiner has been contacting me for over six months now. They have been calling, texting, and emailing me constantly regarding a alleged debt they have not proven is mine to pay. I've told them they do not have my permission to call or text me, only to email. I also told them I will not be responding to anything at all until they prove to me that this debt is mine to pay. They then sent me a 59 page document that didn't say anywhere that this debt is mine. They then began again with the calls, texts, and emails. 

I have offered them money to put this to bed but not enough for them so they continued to harass me. I recently spoke with their representative XXXX XXXX who spoke to me like a was XXXX XXXX not worthy of her time. I asked her not to record our phone call and she laughed. I think she still recorded it. On the call I asked for more information about my alleged debt and what their next steps will be. I genuinely have been trying to resolve this working with them but they insist on pressuring and scaring me into succumbing to what they want. I then sent an email saying Caine & Weiner does not have my permission to call text or email me. Meaning if they'd like to continue to pursue me they'll have to do it by mail. XXXX responded to my email ignoring my request and asking for money. 

They still have not proven this debt is mine to pay. Their practices are unethical and disrespectful. The two agents I have spoken with directly are XXXX XXXX and XXXX XXXX. Both have been disrespectful, withholding and nonconstructive in our dialogue. They prefer to use vague intimidation language such as " We will be forced to pursue for the balance in full '' rather than work with me to see the issue resolved. 

I have attached my most recent correspondence with XXXX XXXX where she directly ignores my request and asks me again for money, having not proven anything about my responsibility for this debt. 

The alleged original debt comes from a company called XXXX XXXX, I worked for them for a year and a half as a 100 % commissioned sales agent. After I XXXX this job one of my clients terminated their policy with the company. In this alleged situation XXXX XXXX feels entitled to charge me for their lost premiums despite that I was not with the company to maintain the client. This is an alleged debt that rightfully should have fallen onto XXXX XXXX. I have tried to resolve this issue with XXXX XXXX directly but no one has returned my correspondence.
Consumer complaint received 2024-02-13
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Was contacted by Portfolio recovery on XX/XX/23 about a potential debt owed to XXXX XXXXXXXX. I told them I was not aware of such debt and asked them to please send me proof of this debt and gave them my mailing address and asked them to not contact me via phone again. They called again on XX/XX/23 and I again told them I already requested proof of this debt and to stop contacting me via phone. They called again on XX/XX/23 and I refused to answer.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

I tried to purchase a laptop for {$700.00} on XX/XX/XXXX from a person through XXXX XXXX. I used XXXX within my Wells Fargo app. I transferred an initial payment of {$490.00} to the seller, however, I never received the item, and the seller stopped responding. I contacted Wells Fargo to report the scam, and my case was looked into but was closed with no resolution in my favor. They just said they were unable to reach the recipients bank and did not refund me my money, even though online banking is supposed to be secure.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My mortgage is serviced by Freedom Mortgage, and has been for several years. They require both property taxes and homeowner 's insurance to be escrowed. I have dutifully paid in full, and on time, 100 % of the time. 

Freedom Mortgage has failed to pay the homeowners insurance bill. It was billed to them on XXXX XX/XX/2021, it has not been paid. I called them asking them to pay it in early XXXX, it has still not been paid. I have now received notice that the insurance has lapsed.
Consumer complaint received 2021-02-13
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: EQUIFAX, INC. (FL)

The big 3 ( equifax, XXXX, and XXXX XXXX has not performed independent investigations. I sent letters and notified ( Equifax, XXXX and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX XXXX multiple ), XXXX XXXX ( multiple ), XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX, received the following from Amex : '' Due to your intention to file for bankruptcy the Amex accounts listed above have been cancelled. '' If they check their phone logs and chats, Amex would have realized this was an erroneous statement. The letter I have written in repy follows : Credit Manager According to a form letter, XX/XX/XXXX, you have canceled my accounts based on My intention to file bankruptcy. If you check your recorded logs of the numerous phone calls, and online chats with your low-level credit collectors, I  repeatedly requested that my accounts be escalated to a supervisor to work out a settlement or reasonable payment schedule. I indicated I would prefer to work out an agreement, rather than file for bankruptcy. 

These collectors only had the authority to offer the standard $ XXXX per month on each card. I had hoped that an Amex executive with administrative and credit authority could work out something that consolidated the debt on both cards and set up a realistic payment schedule that accommodated my age, XXXX, and my current financial situation, social security as my only certain source of income. 

I am sorry that you took bankruptcy as a statement of fact rather than an option. I also stated that at my age and with the threat of the virus, death could be an option. I do appreciate you did not take this as fact and address your letter care of my estate. 

I believe Amex is non-compliant in cancelling my accounts on my supposed intent to file for bankrupcy, and to advise me to write to a PO box ( which does not accept certified mail ) and no named individual to  write for questions.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NH)

Navient is a predatory lender like XXXX XXXX whom they purchased loans from. 
My ex husband and I were manipulated in XXXX into consolidating our student loans into what is now the defunct and illegal " spousal consolidation loan ''. 

As of XX/XX/XXXX President Biden signed a law into effect that requires loan servicers to allow those of us trapped in these predatory federal student loans to separate them and consolidate them into DIRECT student loans. 

To begin this process I called the servicer whom I pay monthly ( Navient ) and where my name, social security number and banking info is all saved online. 

I was given a nasty attitude by the customer service rep who answered, and was told that I needed to have my ex husband on the phone before she could have " permission '' to speak to me. 

I explained repeatedly that this is MY loan as well and that all my banking info for payments is saved in their system and that my social security number is attached to the loans. 

I have NEVER experienced this level of nonsense in all my miserable dealings with Navient and this is the final straw for me. 

It is VERY clear to me that Navient wants to do whatever they can to ensure that those of us who've been held XXXX by Spousal Consolidation loans are not going to be able to get information from Navient. 

It is also misogynistic and sick and completely unacceptable for any representative to suggest that a woman can not get information about HER own loan and needs a MAN to be on the phone to verify she can get info about her loan.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.
Consumer complaint received 2021-10-21
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: JPMORGAN CHASE & CO. (PA)

I purchased the ticket on XXXX, itinerary XXXX, case # XXXX # XXXX. XXXX eventually told me they cant help and merchant has to be dealt with directly. 

I then contacted the merchant XXXX on XX/XX/21 ( Feedback ID XXXX ), I have not heard from them yet. 
Flight was with XXXX XXXX but I was told XXXX is the company that owns them. 

Confirmation number was XXXX Passenger was XXXX XXXX Ticket was purchased online on XXXX and was paid for with my Chase freedom Scheduled dates of travel were XX/XX/21 from XXXX to XXXX Return trip was XX/XX/21 from XXXX to XXXX We did not cancel the ticket. 
Other tickets were also purchased but had different dates to fly. 
We did not change or want to change the ticket for the passenger above. 

We were interrupted in XXXX and were told that XXXX XXXX cant continue with us. She had a valid US visa, Covid vaccine paperwork and a negative covid test. We were told it was due to new covid regulations she cant continue to us with us. We even emailed the embassy in XXXX to make sure she can travel and we were informed that XXXX  citizens can travel to US with a valid US visa. XXXX XXXX staff was shown ALL of these documents at the gate and they photographed and sent them to their superiors. Decision was still made to INVOLUNTARILY remove her from the flight and not allow her to board. As a result, my wife and daughter had to stay with her and find her a flight home that day. This caused them to miss their flight to US and spend that night sleeping at the airport terminal. Nobody told us at any point that additional authorization would be needed on top of a valid visa and all the required covid conditions which were a vaccine and a negative covid test. 

Absolutely terrible treatment by all around. XXXX  for doing this and XXXX for avoiding to help even though ticket was bought through them. I will attach email response we had from the embassy in XXXX several days before the trip. 

Nothing was disclosed to me about the travel. When the ticket was bought for this passenger, he citizenship and passport number were input and where from and where to she is traveling, yet nobody told us anything. They checked us in XXXX and then halfway around the world decided she must come back. This passenger is XXXX XXXX and has XXXX XXXX as well so leaving her to fend for herself to find a way back home was not an option. 

Two separate disputes filed with chase were both resolved in the favor of the airline. The airline rebuttal was that the visa was not valid due to covid regulations and based on that they ruled against us. Visa was valid and was issued prior to covid pandemic. Pictures were provided to the Chase credit dispute team. This traveler also had a covid vaccine and negative covid test. 

CLAIM ID : XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMCMORTGAGE FOR THE YEAR 2008 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE. 

THIS IS NOT A DUPLICATE XXXX.
Consumer complaint received 2021-05-29
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)

In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I am the XXXX who listed my clients property for sale in Maryland ( Mr. Cooper, a Texas based mortgage lender / servicer ) has the loan. Originally scheduled to close XX/XX/2021 ultimately closed XX/XX/2021. To date no disbursements have been made as Mr. Cooper will not provide a pay-off amount to the title company. Additionally, they told my client on XX/XX/2021 they would provide an amount but run it through XX/XX/2021 - a full two weeks after he has transferred the property to new owners. Mr. Cooper is non-responsive to email inquiries and initially told the title company it could take 4-5 business days ( which have now passed ) to provide the requested information. This foot dragging and non-responsiveness is costing my client dearly from his scant proceeds and I hope this is not because of his being XXXX.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-29
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. (TX)

hi This is XXXX XXXX! I have several issues with XXXX  and TransUnion, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, TransUnion, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX  and TRANSUNION, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. 

At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. 

Now, after a long time, I have started receiving new spam mail from PNC Bank. 

I have attached scanned copies of the front and back of the new spam mail.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$480.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone by the name " agent XXXX from EDD '' took money out of my account. Then he changed my password and now I can't even get into my bank of america account if I needed to. He took close to XXXX dollars from me. Now I HAVE NOTHING I need my money back urgently I don't know what to do. Please someone help me. I immediately called EDD the moment I realized what had happened and I talked to a very kind gentleman named XXXX who froze my benefits for me and sent me a new EDD card. I finally got my card in the mail but there's nothing on it. Can someone please please help me I have no clue what to do to go about getting my money back, I don't mean to sound so desperate but I am ... please and thank you I hope I hear back from someone soon
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I reviewed the letter from citi bank regarding my complaint : XXXX but some information in the letter is incorrect : I opened citi bank checking account thru online and entered all correct personal information and got approved and funds are transferred from my external bank to citi bank XXXX After around 10 days I did not receive my debt card I called citi bank and they checked my account and found the account address is wrong and they corrected my address. 

On citi bank response letter they mentioned I provided business address which is not true. I entered my home address ( not business address ) but when the address back to citi bank system the address showed incorrect. Citi bank need to check up their system why customer address showed incorrect even customer entered correct home address. 
Also when they decided to froze my account after account opened 30 days I called many times and asked the reason for closure as no notification provided to me for the froze but they did not tell me the reason. 
Since citi bank did not tell me what the exactly reason why my account got froze and only tell me it will take 30 - 60 days to get my account closed, I asked my external bank to help me get my funds transferred back because I do not want my funds froze by a bank for 60 days and I do not even know what is the reason. But citi bank rejected my external bank 's transaction.