davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services.

Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a  provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. 
Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt.

They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).

VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. 

I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. 

Thank you.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Sir/Madam, i : received the following message from CFPB, " Thank you for your complaint XXXX about XXXX XXXX XXXX XXXX XXXX. 
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX. This complaint is now closed. There will be no further action on this complaint. " This decision by CFPB is in clear error based on the following : 1. Complaint number XXXX was, inter alia, concerning, strangers to the transactions unlawful attempts to extort monies from me. 
2. However, Complaint No.XXXX about XXXX XXXX XXXX XXXX XXXX is about chapter XXXX trustee wiring my and estate monies of about $ XXXX, to unknown accounts, after i : had sold the subject property, 14 days after the close of escrow and when my objections to he proof of claim 6-1 as well as both the Debtor and my objections to the alleged arrearage of about {$450000.00} was on records. The key word is CLOSE OF ESCROW WHICH TOOK PLACE ON XX/XX/2016 WHILE THE ESTATE AND MY MONIES OF ABOUT $ XXXX WERE EMBEZZLED OUT OF THE ESCROW 14 DAYS AFTER THE CLOSE OF ESCROW. This is a criminal offense of embezzlement, Chapter XXXX trustee had no jurisdiction to embezzel my and the estate monies of about $ XXXX to anyone, 14 days after the close of escrow. 

Please recognize that the two complaints ARE NOT DUPLICATES and inform me accordingly. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AZ)

This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2021-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

We were misinformed on a home loan modification years ago and were to have settlement on the sale of the home and discovered there is a {$31000.00} lein on our home which is preventing the sale of our home. No one can tell us where this money went after the modification occurred. It certainly didn't come off our mortgage amount.
Consumer complaint received 2021-01-29
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. (CA)

Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.
Consumer complaint received 2017-12-18
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: EQUIFAX, INC. (OH)

A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via electronic mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages caused.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (NV)

All 3 credit bureaus. Experian XXXX XXXX and XX/XX/XXXX. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. Experian XX/XX/XXXX and XXXX XXXX. I want this documents to be complied with an updated on my credit report.
Consumer complaint received 2021-05-03
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. (NC)

Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home
Consumer complaint received 2021-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (MN)

To whom it may concern - I am writing to see if you can help me with a complaint with the lender of my second mortgage, Ally Bank. 

In late 2020, I sent my check number XXXX in the amount of {$360.00} as payment for my XX/XX/2020 obligation. Ally did not cash the check but sent it back to me claiming it was not a full payment, and then proceeded to claim I missed a payment. They have repeatedly applied late fees to my account, despite being paid on time. 

Ally frequently applies late fees to my account, despite my making regular, and correct, payments.
Consumer complaint received 2020-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Consumer complaint received 2021-05-03
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. (FL)

THE ACOOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021 I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (GA)

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. 
A copy of my drivers licence and a utility bill is attach to confirm my identity. 
I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2021-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VT)

I was assaulted six times. I resigned from my employment for a medical recovery. I am being denied my mortgage insurance. The mortgage company is XXXX mortgage, my mortgage insurance company is Nationatar. The mortgage insurance company is required to make monthly payments until I recover and go back to work. This has not occured consequently my credit report is incorrect and showing negative information about me erroneously. In addition, I am being harassed by the mortgage insurance company, via phone calls, excessive repeative mail and property damage to my home and attempting to steal home and allu equity from my home. Violation of antitrust laws as a single woman.
Consumer complaint received 2019-06-10
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. (FL)

Equifax has reported fraudulent information in reference to my credit history. XXXX XXXX XXXX ( credit card ) has myself listed on the credit card as an " authorized user ''. Equifax will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (CT)

I had hard inquiries that were not made by me on my credit report. They were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no knowledge of these inquiries. 

XXXX
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me. There is also a 30 day late payment listed for XXXX of 2019 on XXXX  and one for XX/XX/2019 on XXXX. This is not correct. According to the Fair Credit Reporting Act, everything on my credit report is supposed to be accurate and these inconsistent late payments are not.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (WI)

I called Wells Fargo on Monday XX/XX/XXXX to ask if my ex-husband could be removed from my credit card. The customer service representative said because I was the primary card holder and he was the secondary card holder I could have him removed. The customer service representative said I would just need to call the same phone number back and it could be done via telephone. 

On XX/XX/XXXX, based on the information I received, I entered into a written agreement with my ex-husband to remove his name from the credit card and be solely responsible for the debt. This agreement was following the judgement of divorce. 

On XX/XX/XXXX, I called the same customer service phone number back ( spoke to XXXX ) and asked for my ex-husband to be removed. I  was told he could not be removed. I explained that I had just called on Monday and was told he could. She apologized for the incorrect information I received but said it couldnt be done. I told her I entered into a contract with my ex-husband based on the information I received and this is unacceptable. 

XXXX transferred me to the Executive Office to voice my complaint. I spoke with XXXX who said she would assign me a case and case manager and they would review Mondays phone call, their options and get back to me within one business day. 

On XX/XX/XXXX, the Case Manager, XXXX, called from the Executive Office and said she was worry I received incorrect information but there was nothing they could do because it is against their policy to remove secondary card holders. I, again, explained the hat I entered into a contract with my ex-husband to assume that debt by removing him from the account and I was now bound to that. She told me there was nothing they could do. I asked if the call was reviewed and she essentially said no but would let the customer service manager know there could be a training concern. 

While I understand mistakes are made, it is completely unacceptable to provide blatant incorrect information that caused me to enter into a contract that I can no longer uphold. My ex-husband has said he will take me back to court/sue me for not following through on this agreement.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I need a letter documenting that a refund from XXXX on XX/XX/XXXX was returned to them because the debit mastercard was closed. XXXX issued a refund on XX/XX/XXXX which posted XX/XX/XXXX for {$1100.00} for a cancelled flight. The transaction details for the refund are : ARN XXXX, TX XXXX. Wells Fargo acknowledged receipt of the refund in a telephone call to the claims department dated XX/XX/XXXX and denied a request to dispute the original charge from XXXX XXXX XX/XX/XXXX ) because a refund had already been issued. 

However, I have not received a cent for this refund and am concerned the funds could have been misplaced by Wells Fargo, or that a refund to XXXX was lost. Please issue an official letter documenting that the refund from XXXX was returned to XXXX because the debit card was closed.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CT)

Attempts to pay Discover automatically rerouted to customer services who delayed with chit chat until past XXXX XXXX  cut off and then added late fee. I kept saying may I pay now? Did not execute payment until XXXX XXXX EST, XX/XX/2020 still plenty of time before midnight. They documented payment as of next day XX/XX/2020 and stated late fee applied. Would not reverse when I called the next day. They have done this several times. I always pay on the XXXX. Best practices would be to credit when transactions are verified. It is their system error. They corrected in past but now say since it was corrected before, they will not correct THEIR mistake again. Millions of customers are being needlessly charged late fees.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I have made a complaint before about this U.S. Bank Mortgage Loan # XXXX and still have NOT been able to get a straight answer from the bank about my homeowner 's insurance requirements. When I complained around 6 months ago, the bank responded in a letter to ME AND CFPB that said I NOT REQUIRED to have Flood Insurance AND H06 Hazard Insurance on the Condominium Unit because I have coverage through the XXXX XXXX on the Whole Building. I only owe {$20000.00} remaining on the mortgage. I just called the bank today and they said the bank still requires insurance coverage on the property and they don't have a copy of that letter and need ME to send to them via US Mail, because I can't fax or email them! I faxed 10 times with copies of my current Condominium coverages and they say they don't have anything. Now, I can't fax anything and I  have to pay for postage to send them all the documents I have already sent to them via a secure website they say does NOT work. If I pay off the remainder of this loan tomorrow, I will no longer have any insurance requirement because I WILL OWN THE NOTE! I don't have enough money to pay off the loan now because I lost my job and over {$100000.00} in the stock market because of the Covid-19. The bank has granted a forbearance for 3 months but I am still getting late fee AND foreclosure warning notices. When I called to day they said don't worry about it and disregard. When I login to my account I don't see any late fees and foreclosure messages. So, I guess I am not going to worry about it? I would be lying if I said I am not worried. Please help and this time make the bank keep a record of the response to this complaint so I AM NOT HAVING TO MAIL EVERYTHING TO THEM! Thank you I guess.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.