davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I submitted a payment in full to my XXXX XXXX XXXX for {$XXXX}. With the payment I submitted a copy of my statement. The check has my name and address that is on my account. The payment was received by XXXX on the morning of XX/XX/2018, and the funds were debited on XX/XX/2018. The payment however never posted to my account. I have contacted XXXX 's multiple times and they say they have not received a payment and opened up XXXX different cases to try and locate the payment. XXXX is calling/emailing daily that I am past due and assessed a late fee on XX/XX/2018. 

Today I called again and was told the payment went in to their " general ledger '' because they could not identify an account to submit the funds to. I was instructed I needed to submit a formal claim to get the money back since they couldn't apply it to my account. They asked that I send a copy of the original check. 

At this point XXXX has cashed the check as of XX/XX/2018, but they have neither applied the money to my credit card account nor will they refund the {$XXXX} so I can make a new payment. Please help!
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (AZ)

I closed an account with XXXX XXXX in XXXX. The amount owed was {$XXXX} for cancel fee. This was paid. I was then contacted by a collection agency requesting the amount of {$XXXX}. At that time, I was not aware that I could request validation of the debt, nor was this on the statement. 
On XX/XX/XXXX, I sent a letter to the collection agency to request the current balance and address to send a validation letter. I did not receive a response and then sent a letter to the credit bureau on XX/XX/XXXX to request that this is removed from my credit.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX  XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I was surprised to receive notice of my mortgage increase for the second time in eight months. I called Ditech about the reason for the increase and was not convinced about the explanations given. Ditech failed to hear my concern and what I had to say. Our loan is a fixed interest loan with monthly Escrow ( of property tax and insurance ) included. Since there was no significant increase in our county tax or property insurance, such increase can not be justified. 

To confirm my suspicion, I exported the information from Ditech Annual Escrow Account Disclosure, the yearly evaluation of the escrow statement at my online account at Ditech.com. When I looked at the numbers from XX/XX/XXXXuntilXX/XX/XXXXin a spreadsheet, I noticed the discrepancies which prove my point about Ditechs uncalled increase. Clearly, the increase of {$45.00} on XX/XX/XXXX, and again onXX/XX/XXXX for {$42.00} can not be justified according to Ditech 's own escrow calculations. 

I emailed Ditech with my findings but did not receive any explanations.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc. (NC)

called office and spoke with XXXX to request my account number. She was rude, and asked " what do you want it for. '' This company has attempted to ruin my credit by continuing to re-age an old debt.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputed inquiries on my report that are inaccurate. Company ( transunion ) came back in 2 days and stated they were valid inquiries. That was not enough to verify. These inquiries are inaccurate and not mine
Consumer complaint received 2022-03-10
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. (NY)

While checking my credit report, I notice an account from XXXX XXXX Bank XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2019 I filed a dispute with Capital One Bank about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( XXXX  ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( Capital One ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( XXXX  ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-10-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2022-03-10
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2020-07-12
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. (TX)

On XX/XX/2020, Experian recieved a non response letter from me. Prior to this letter, I sent a letter demanding that they provide me with proof of documentation with my signature on it for the XXXX accounts listed. It is XX/XX/2020, 39 days later, and I have yet to receive a response letter. I sent all my letters to them via certified mail. I also have copies of the letters.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (HI)

I had paid XXXX XXXX for several years for removing credit reporting errors on credit reports XXXX XXXX completely ignored XXXX XXXX in their efforts on my behalf. 

Apparently XXXX XXXX doesn't do anything on XXXX XXXX reports. I was denied credit from XXXX XXXX XXXX from a report from XXXX. 

When I filed a complaint with XXXX, about this, I was eventually sent a form from XXXX. ( XXXX XXXX ) And also received a report with no information included as to why my credit was denied.
Consumer complaint received 2022-03-10
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (OH)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/2019 I mailed out a letter requesting verification and a notice was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I will attach the letter below.
Consumer complaint received 2019-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had unauthorized charged on capital one account through lord and XXXX. I had forgotten that I had this credit card since Ive rarely used it. I filed a police report in XXXX XXXX, and sent it to Capital One Credit Carr and for the unauthorized charge. I received a letter from them saying they took the account back and it remained unchanged. This ongoing situation has been going on since XX/XX/2016 and has yet to be resolved.
Consumer complaint received 2019-03-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I rcvd a call on XXXX XXXX that I had made a complaint about to your company XXXX, and after making that complaint I rcvd 2 more calls from the same company and spoke to the same lady. my first complaint # XXXX. In the 3rd call she calls me directly instead of me getting a call and getting transferred to her. She lied about her name and acted as if she had reviewed her 2 previous calls to me and was going to help me make a complaint about it. I have the 3 phone calls recorded. These companies and trying so hard to deceive and bully the people they call.
Consumer complaint received 2020-07-12
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: EQUIFAX, INC. (SC)

I have a charge off that keeps reporting different amounts to each of the credit companies the account name if XXXX. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
Consumer complaint received 2019-08-08
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: NEW CITY FUNDING CORP. (MA)

On my first complaint I told new city funding that the auto loan that I had with them wasnt discharged in bankruptcy, they are claiming that it was but that is incorrect because if an account is discharged in bankruptcy, it doesnt have to be paid because it was discharged,  I filed for bankruptcy chapter XXXX so that means that all of the accounts that were included in my bankruptcy I didnt have to pay any longer because they were discharged, now I paid this auto loan in full, every single payment were taken out of my bank account, so if I paid this account in full using my own money, how can new city funding tell me that it was discharged in bankruptcy. If I discharged this loan in bankruptcy how come I still have the car? That is my question to new city funding, I was a great costumer to this bank and they are doing me so wrong by not telling the truth, even the documents that they sent me, if you look at each of the payments, they were made as they were agreed to. I want new city funding to proof to me that I did them wrong on this account, if they have any proof showing that I didnt pay this account in full I will stop complaining about this matter, this is no way to treat costumers, I will contact the attorney generals office and I will also file a complaint with the XXXX, XXXX XXXX XXXX, if this account isnt corrected because new city funding know very well that I never missed any of my payments on this car. The FCRA says that all information on a consumers credit file needs to be 100 % accurate and right now this account isnt being reported accurate at all. This bank or any other bank for that matter have to obey the FCRA and go according to what they say. I will also consider legal action in small claims court against new city funding for wrongfully reporting this account to all the credit bureaus.
Consumer complaint received 2022-08-10
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. (NC)

back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (WI)

I closed my accounts in XXXX of XXXX. Ever since XXXX I have tried on multiple occasions through the business banking phone number and in person at the bank to obtain statements. 

I have been told a variety of different things. I ordered them at the bank after the banker stopped arguing with me about me being able to obtain them online. I had to reset my password on an app that I didnt have on my phone anymore to prove to this banker that the statements cant be produced on mobile banking app. She stated she didnt know why the subsidize the account. 

She then stated she ordered it for XXXX accounts because those are the only ones I had open. I know I had more than XXXX accounts with bmo Harris for my business banking back in XXXX she argued and said there not in the system. I figured maybe I was crazy I had only XXXX accounts. I waited for these statements to show up on the date she claimed she ordered them never showed maybe theyre a day late? They never came XXXX days later I call and XXXX from the resolution team said he ordered them. 

I now have late dees from the irs because it has been 60 days since Ive tried to obtain my bank statements for my accountant which BMO HARRIS HAS TO SUPPLY ME. 

This bank has been nothing but money wasted and confusion with my business. I have lost opportunities on things because o has had my business debit card locked and the only way to unlock is going in the branch. I closed my accounts with a XXXX balance. I got a XXXX XXXX  collection letter a month later stating that bmo did not in fact close my accounts the day I went in and they allowed a partial transaction come through on the account. I am very very frustrated with this bank I would like all the late fees bmo Harris has accrued due to their negligence. And I also pray they get their information together with their team. It is a shake of the dice when I call this bank because the employees dont even know bmo Harris policy. One member told me I cant order statements I have to go into the bank and they will print them there for me. Then when I go inside the bank they tell me I have to call the back office. To the point where I literally got the back office on the phone while sitting in the bank parking lot and then went in and got with a banker and they both had to speak with eachother on my phone to figure out what to do. 

This is all extremely unprofessional and I am looking at full reimbursement for all latee fees accrued
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (NC)

back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports