davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

XXXX called to ask about debt. Told them i was dealing with funeral arrangements XXXX called me again, told them do not call me again and told them my father just died and to again not call me XXXX called again, i repeatedly said to not call me. Prove the debt was mine, stop harassing especially after i have requested for no more calls and if i get another call i will file a harassment suit. 

XXXX called them to file a report of harassment and to do not call list. They argued and would not take my report nor forward me to a supervisor. I told them since its a recorded line that if they call me again they are agreeing to harassment lawauit as guilty. 

So we shall see.
Consumer complaint received 2020-12-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX, Washington  Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XXXX-XXXX  which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. XXXX XXXX acquired this debt from Synchrony Bank and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7  years old.
Consumer complaint received 2020-12-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-10
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: AMERICAN EXPRESS COMPANY (NY)

Notice of Dispute Im kindly asking American Express to reopen billing investigation for charges associated with XX/XX/XXXX on our account ending in XXXX in particular {$170.00} ( posted XX/XX/20 ), {$130.00} ( posted XX/XX/20 ), {$65.00} XXXX posted XX/XX/20 ), {$74.00} ( posted XX/XX/20 ). 

During this 2020 year weve had numerous issues withXX/XX/XXXX including but not limited to XX/XX/XXXX damaging our shipments on a route, losing few and eventually being overcharged for the shipping services. 

These charges reflect incorrect amounts amount weve been overcharged sums weve never consented to in the first place and were offered different quotes for shipping, otherwise weve would never have considered shipping with XX/XX/XXXXas we dont do anymore. 

Previously weve filed a billing disputes via AmEx website for these XX/XX/XXXX charges and submitted requested supporting documents in a timely manner, expecting that the merchant will either rebute these charges or we will expect a refund. As pretty much any business this year we were busy trying to survive during the COVID-19 challenges and were extremely busy keeping things running. 

We were expecting to hear back from American Express in writing digitally or via mail in regards to these disputes. However recently weve discovered that these disputes were ruled into merchants favor without sending us any note of results of the investigation in writing message from American Express says We have completed our investigation. Please refer to the communication we sent., however we didnt receive any written piece of communication from AmEx in regards to these inquiries nor via the email, nor via the Message center, nor via the US Postal Service to any of associated with us addresses, including but not limited to XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX. 
Its sad but rather confusing that AmEx that publicly supports small business efforts to survive through COVID-19 pandemic, yet sometimes fail to assist us in small but important things get our money back for things weve never consented to such as but not limited to being overcharged. 

Its in an AmEx sole discretion ability to investigate these billing charges and were kindly asking American Express to reopen those billing disputes and consider all the documents attached below. 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-28
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I was told by a telephone representative of Mr Cooper informed me that Due to COVID 19 I didn't have to make a payment for a year. It was not mentioned that i would have to pay it back in a year, nor was i informed of a forbearance. i am almost XXXX  year old with undefined heath issuers and a t risk for Covid 19.Therefore I am not able continue in the work force.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.
Consumer complaint received 2017-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

Ditech Mortgage - I called on these dates : XXXX/XXXX/XXXX XXXX XXXX CST spoke to XXXX XXXX XXXX in AZ about Loss Mitigation Group letter sent XXXX/XXXX/XXXX ; said they needed more documents to complete application. I uploaded requested documents through the website which clearly showed income and GIFTS and other deposits in my checking for the entire year. 
XXXX/XXXX/XXXX Called XXXX, he said they used $ XXXX monthly income to determine my loan modification request. I told him that was gift money and unemployment which is not applicable as my income. 
XXXX/XXXX/XXXX XXXX XXXX CST I called XXXX XXXX at XXXX XXXX at XXXX and left a message that my income was incorrect and I was uploading document to the website. Several pdfs uploaded ONLINE MESSAGE XXXX/XXXX/XXXX sent a message thru online message center for Ditech also : " I will be uploading Loan Modification Appeal documents due to the information was incorrect that was used to determine my eligibility. Please have someone contact me regarding this matter. 
Fri XXXX/XXXX/XXXX XXXX XXXX CST I received an email to download an Loan Modification Appeal resolution document which again denied my request using INCORRECT Income amounts and the letter said my appeal was denied due to I made too much money. 

Tuesday XXXX called approx XXXX CST Called Ditech and got XXXX XXXX she immediately put me on hold ; Asked for XXXX official representative at XXXX - She put me on hold and then came back and said he is not available. 
I asked for manager level - she said she had to verify information for security purposes ; Gave her my account #, property address, last 4 # of social, I asked to speak to manager- she said she was not available and would have to call me back. I said never mind and hung up. 
immediately following phone call, I tried to send an online letter while logged in to my account and after composing and hitting send ; it said Error could not send. 

Tue XXXX/XXXX/XXXX XXXX XXXX -- I sent email thru my personal email and automated response said could be XXXX days before someone contacted me, I logged in again online and sent the same letter. 
Tue XXXX/XXXX/XXXX XXXX XXXX Called second time XXXX put in extension for XXXX x XXXX went to voicemail - said mailbox is full ; Tried another extension XXXX XXXX XXXX XXXX - was not available =left my name and number & said I want to make a payment Each month they have sent correspondence that says I have a different account rep. and I try to connect - call - leave a message and do not get any call back. 

For the Loan Modification request and appeal, I emailed and uploaded online two separate documents that showed my entire income for the entire YEAR, as stated in my Letter of XXXX XXXX, XXXX : " My income and ONLY MY INCOME, is only {$2600.00} thru XXXX XXXX, which averages to {$260.00} per month for the past ten months. I have only had part-time income through XXXX or misc part-time, short term employment. ''
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/21, I made a total cash deposit of XXXX to the ATM at Navy Federal Credit Union at the ATM in XXXX, GA on XXXX XXXX. This was around XXXX. I only received credit for XXXX. There is still XXXX outstanding that has yet to be credited to my account. I have a receipt that I will upload that states that they are encountering a problem returning your cast. Please contact your financial institution. I did just that, while I was at the atm. I filed a dispute and uploaded all of the receipts. They issued a provisional credit, however that was revoked out of my account on XX/XX/21. I called the fraud department. They stated that the particular department that handles that or that made the decision wasn't in. I decided to file a complaint. I am not giving XXXX of my hard earned money away. That XXXX isn't NFCU 's to keep. That is my money. Not only that, but they took money out of that account and now it is negative. I am not happy nor appreciative of this issue. I will be filing multiple complaints in order to get this issue resolved.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$3000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. 

DEBIT CARD : XXXX
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have credit card from Wayfair-AlllModern ( " Wayfair '' ) who in association with Comenity Bank had provided 6 months, no interest promotional rates in XXXX 2020 on charges above certain threshold amount. I purchased items from Wayfair on XX/XX/ 2020 and clearly qualified for the promotional plan. The amount paid was {$400.00} and it was fully financed under the 0 % financing for 6 months. I started making payments ( {$70.00} per month ) as soon as I received the first statement. 
On checking my balance in detail, I realized recently that Comenity/Wayfair has been sneaking in finance fees on my account since the first day of purchase in clear violation of the purchase and financing terms provided by Wayfair/Comenity. I was never notified of the promotional plan cancellation or changes in terms. When I contested the charges with Comenity customer service team on XX/XX/2020 over phone call, I was told that Comenity would NOT remove the financing charges as I ( consumer ) had not notified them of billing issues well in time. On top of that, Comenity and Wayfair terminated their relationship with each other in XXXX 2020 and Comenity is now unwilling to adhere to Wayfair 's promotional terms that were provided to the customers. Additionally, Comenity charged me late fee for a payment that was missed on account of issues with auto pay and miscommunication. Comenity has flat out refused to remove the finance fees and waive late fee even after I requested to pay off the remaining balance in full right away. 
This is a clear case of " Consumer fraud '', " Misleading and deceptive business practices '', " False Advertising '' by the financial institution/bank Comenity and Wayfair, especially in dire times of raging pandemic ( Covid ). I earnestly request you to investigate the matter and I am willing to provide related further information in context of the matter. I look forward to hearing from you.
Consumer complaint received 2021-04-09
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NC)

Dear WFDS, My account, # XXXX, is displaying that I have disputed and I disagree on your results. This account is under good stating and I am 100 percent satisfied with your reporting on all levels expect in the " comments '' area as you can see by the image I provide. 

Could you please be so kind to remove the comments, as I am not sure why you would say I am disputing or disagreed to your report. I am not doing either!
Consumer complaint received 2021-08-20
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. (MO)

I proved XXXX XXXX was falsely reporting to the credit bureaus with a receipt i gave to them from my email clearly showing I paid and the balance at the time of the receipt I found was hundreds less than what they were saying. Because of the lying it should be off my report. You would have to be XXXX to not see it .Period!!!! They didnt fix it what so ever. Its experian who is falsely reporting it now and my dispute is with them
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I recently filed a complaint here against USAA because they are not giving me a way to pay my charged off secured credit cards. They offered up a really slick explanation as to why the debt is valid, but still gave me no way to pay it. 

I never contested the validity of the debt, I had 2 unsecured cards that I put {$6300.00} cash onto. One is {$120.00} delinquent and the other is {$73.00} delinquent. I paid them off i just got charged interest and was unable to make the payments as I'm a XXXX vet and was still waiting on my XXXX. 

Neither here nor there. I requested to pay the bills. I was told it is not their responsibility to provide a method for me to pay them since they are charge offs. I requested an invoice. I was told to just mail a check into the company for the full amount and put " attn billing department ''. Thats a no from me. 

I even had a nice lady one time when I called help me add them both to the bill pay section in the usaa app. When we hung up and I tried to pay them, it didn't work. When I called back, I just got an " Oh well, we tried. '' " It is not our responsibility to provide you a bill for a charged off account. '' Yet they're still reporting it happily every month to the credit bureaus. I have been trying to pay these two bills for over a year. I want to buy a house and these are the two negatives on my credit report. 

Please just let me pay the XXXX cards off!!!!!!!!!
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (NC)

I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (OH)

I received a loan estimate with NFCU on XX/XX/21 that had escrow included. I was not interested in that option so I sent an email on XX/XX/XXXX inquiring about that situation, and to remove it now, instead of later. I was reassured on numerous occasions that I had satisfied all prerequisites to have it removed, and that it would be corrected, but I'd have to wait until they send my closing disclosure to see that update. They pushed through the underwriting, conditional, and final approval, so my account when into closing on XX/XX/XXXX. My loan advisor most recently has advised to the settlement processor on XXXX that the escrows would need to remain. I was not told why. I feel I have been mislead and entrapped. My closing date is on XX/XX/XXXX.