davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC (GA)

XXXX XXXX XXXX XXXX. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to Cooling and Winter LLC, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
XXXX  XXXX XXXX XXXX. is currently reporting this account to all XXXX major bureaus as closed/charge-off and updated as of XX/XX/XXXX. XXXX  XXXX XXXX XXXX. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that XXXX  XXXX XXXX XXXX. NEVER validated this account and XXXX  XXXX XXXX XXXX is not following the FDCPA. 

Cooling and Winter LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I would like to know who gave Cooling and Winter LLC my personal information. I did not agree to any contracts with Cooling and Winter LLC to pay this company anything. I did not authorize Cooling and Winter LLC or XXXX XXXX XXXX XXXX, permissible purpose to use my personal information. 
Recently I priority mailed XXXX  XXXX XXXX XXXX, and Cooling and Winter LLC letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Consumer complaint received 2016-09-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (AL)

My elderly parents had numerous accounts through which they conducted banking. My mother managed all of these accounts. As her health failed, I began assisting in paying bills. My mother died suddenly, and my father knew nothing about online banking and my mother 's passwords were unknown. My father attempted to add me to his Capital Bank ( now XXXX XXXX  ) account, but didn't know the security information and the nearest branch was hundreds of miles from his home. I attempted to have the required documents for adding me sent to my father, but they refused because he didn't know the answers to security questions that my mother had made and, again, told him he would have to drive 200 miles to XXXX to add me in person. With neither of us having access to the account, we had no way of knowing what bills my mother had paid through the account or the account balance. Unsurprisingly, my father had his home and auto insurance cancelled for non-payment and received a letter from First Horizon demanding {$430.00}, nearly all of which was overdraft fees. He is XXXX, has no internet access, and has trouble with financial transactions more complex than using a debit card. I live 500 miles from him and have arranged autopay for all his bills, but I believe that XXXX XXXX took advantage of my father.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (PA)

I called debt collector General Avenue to verify the debt because I was only sent the list of payments but not the verification of my signature. It was reported to my credit report and I would like it removed and for them to perform a proper debt validation under the Fair Debt Collection Practices also prove they have a legal right to collect the debt.
Consumer complaint received 2021-03-04
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. (GA)

I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates (MN)

on XX/XX/XXXX I received a phone call asking for someone. I said No, I was not that person and was in the middle of asking " Who am I speaking to? '' hung up on. I immediately called back and found out it was for my wife from XXXX but it was something that was already resolved. So I disputed it with the rep there. Fast forward to today, XX/XX/XXXX, and the same thing happened. I got a call, they hung up. I called back but this time, the rep that answered the phone was trying to belittle me and was being very rude to me like I was the one doing something wrong. First, I already disputed it with them and they are already calling me back not even 2 weeks later. Second, how the rep treated me was not right either. She was told me that I was arguing with her instead of giving her the info that she was asking for. I asked for a supervisor and was transferred. I have attached screen shots of my call log proving this.
Consumer complaint received 2020-04-23
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commercial Acceptance Company (NJ)

I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the XXXX time with a name of XXXX as the rep. on XXXX I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016 I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies.They violated my rights in debt collection and credit reporting. 
Please investigate to remove.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NY)

I had opened a credit card in XXXX of 2022 with a bonus of {$750.00} being promised for completing a {$7500.00} purchase spend withing a given time frame ( Earn {$750.00} in rewards after spending {$7500.00} in eligible purchases within four months of account opening ). 

Having completed the requirement I had called in on XX/XX/2022 and confirmed with an account representative that indeed the requirement had been met. 

In spite of numerous attempts to resolve this non fulfillment of the promised bonus the company still has not credited the promised bonus offer by claiming that a certain purchase had been returned. I had explained that the said credit was processed without my consent. 

USbank did promise to escalate this issue with upper management and initiate a credit as promised yet this has not yet been fulfilled despite the length of elapsed time.
Consumer complaint received 2020-04-23
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. (AL)

I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, 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 2022-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nu World Title, LLC (FL)

Client ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) closed on a purchase of a property on XX/XX/XXXX and the purchase was made from a foreign real estate investor. As part of the closing, the closing agent ( Nu World Title ) was required to withhold XXXX taxes from the seller. {$34000.00} were withheld and had to be remitted per section 1445 of the IRC to the IRS within 20 days. Funds were mailed to the IRS on XX/XX/XXXX, XXXX years later. The Client is now required to pay the IRS in excess of {$15000.00} in penalties and interest for late payment of the withheld taxes. 

Closing company breached its fiduciary responsibilty to remit funds timely to the IRS.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Today, XX/XX/2021, I attempted to get my Equifax consumer credit report and was DENIED computer access. Today, XX/XX/2021, I received notice of a change that NOT only pulled my credit score down, but prompted me of changes to my consumer credit report. I am formally DISPUTING, and RESPONDING, to XXXX XXXX XXXX XXXX willful, malicious, unlawful and FRAUDULENT credit reporting that I am 90 day 's past due on my vehicle loan account. I was DENIED, entrance into my consumer credit file [ Equifax ] via the internet today, XX/XX/2021. I am reporting, ongoing practiced unlawful DISCRIMINATION/HARASSMENT/RETALIATION ( Based on my recently filed CFPB complaint against XXXX  and XXXX XXXX XXXX XXXX ) ; Civil Rights violations ; Systemic XXXX oppression ; Fair Credit Reporting Act ; Financial status ; and all other applicable violations ( federal/local/state ) practiced by XXXX XXXX XXXX XXXX [ together ] with Equifax. It is apparent, that Equifax and XXXX XXXX XXXX XXXX have a illegal relationship, like XXXX  and XXXX XXXX XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX! I will fax, all supporting documentation to CFPB ( to be filed " only '' with CFPB FOR THE PURPOSE OF " ONLY '' THIS COMPLAINT )! ALSO, let the record show, that XXXX XXXX XXXX, doesn't have an account with XXXX and have NEVER had an account with XXXX. XXXX  @ XXXX. cc : U. S. DISTRICT COURT ; AND FILED.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NV)

Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.
Consumer complaint received 2015-09-20
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AmerAssist A/R Solutions, Inc. (MD)

Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX Citibank closed my savings account with a balance of {$7200.00} due to not receiving a signature card ( which I had never received or told I needed to submit ). I only received a notice in the mail, even though I opted for all electronic notices. On XX/XX/XXXX I found out my savings account had been closed, and only realized this because I attempted to log into my account. I spoke with a customer service representative who told me that they did not know why my account had been closed and refused to help me further. I was told I should have received a check with the balance of my savings account ; however, this check never came. I have been in contact with Citibank since to receive this check, but they refuse to send it to me. I called XXXX times between XX/XX/XXXX and XX/XX/XXXX and was told that a check was sent to me each time. I called again in XX/XX/XXXX and was told that no one had ever sent a check to me and that they would not send me a check, I was told I would have to go to an in-person branch to receive the balance of my savings account. I contacted them again in XX/XX/XXXX and was told they would send me a check, and that it would arrive on XX/XX/XXXX. No check has arrived, and on XX/XX/XXXX I received a letter in the mail saying that the sending of my check was " under review ''. I have not heard anything since. There is not a Citibank branch in my area ( XXXX, TX XXXX and they are asking me to travel in the middle of a pandemic and can not guarantee that if I do travel to a Citibank branch that I will be able to receive my check there either. I just want the balance of my savings account so I can invest it elsewhere. They also told me that there was no way for them to see if the " initial check '' had arrived and been cashed, which I know is false as I have worked as an accountant and have many family members who are XXXX.
Consumer complaint received 2021-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

I have been getting many calls and emails on a daily bases. I am getting harassed by this company who says that they are private when I never sign with a private company. 
The President says student loans are defer until the XXXX. When I told them about this they claim that it do not apply to private student loans. They also claim that they have their own deferment due to the pandemic, but they are still adding interest to my account. 
They also claim that I can call every month until XXXX. I believe this is some kind of scam, or is not legal during the pandemic.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: EAST WEST BANK (CA)

Dear Sir/Madam, Can you confirm to me about the following bank website? 
www.eastwestlimited.com, East West Bank PLC, XXXX XXXX XXXX, XXXX, NY-XXXXXXXX, USA, Phone number : ( XXXX ) XXXX Fax- ( XXXX ) XXXX, The following bank website with details are genuine or fake.If you are sure about the following bank website thats real not fake then i will inform you by register air mail service with the details of the complaint.If you let me know the website is fake then i will not tell you the details by mail. 
Thanking you, With deep regards, XXXX XXXX, Email : XXXX Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Postal/zip codeXXXXXXXX, State : XXXX XXXX, Country : XXXX. 
Phone Number : XXXX.
Consumer complaint received 2021-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

In 2018 I lost my Job as an XXXX XXXX XXXX XXXX  due to XXXX XXXX XXXX. I immediately contacted our current Lender, Freedom Mortgage and explained the situation and how it was hard at that time to get another job, of equal compensation. Freedom Mortgage offered to assist us with the loan Modification. I worked very hard at getting all required documents to them expeditously. Every Month I would here from them saying my documents were not accepted due to reasons like " Your Paystub is Crooked '' and " Now your Documents have expired '' " You must start over Again '' This process went on for over 11 months until I received Final Rejection of Loan Modification. They had kept telling me NOT to send any payments during this process. I was now 11 months behind and they were threatening Foreclosure. We then had to pay XXXX XXXX XXXX XXXX  to file XXXX XXXX, which was very costly. So, we have been in XXXX XXXX since late 2018, and making payments to the trustee. This past XXXX we were victimized by the Ice storm/Power Outage here in XXXX Texas. We suffered a busted pipe and subsequent damages. XXXX XXXX Made a final settlement of {$16000.00} for home repairs. The first check of {$9700.00} was received on XX/XX/XXXX, and susequently overnighted to Freedom Mortgage for their endorsement. They have since contacted me by phone twice, stating they WILL NOT endorse the check, due to me being behind in mortgage payments, which I am NOT. Every time I have to deal with this lender, They are just extremely disrespectful and arrogant and NASTY to me. I personally feel their plan all along has been to cause repossession, due to my original note being $ XXXX and my property value has just been assesed at $ XXXX XXXX XXXX tax assesor. I really feel their ultimate goal is to take our house away from us, anyway they can. I reached out and notified by bankruptcy attorney, and she is going to have to file a motion to force them to endorse and release the insurance check. She stated this will probably take quite some time. Our house has moldy walls, ruined carp [ et and flooring. We already have a contractor lined up, but he can't get started until I have funds in the bank. I have been informed that their action of delaying their endorsement is illegal. This lender has done nothing but XXXX with and Aggravate me, every time I contact them. I am a 14 year veteran of The XXXX, and I DO NOT appreciate being disrespected and abused like this. Also, My wife of 30 years is extremely XXXX with XXXX XXXX  XXXX and conditions. The stress that this lender has caused us has literally put her back in the hospital, 4 times in the past 2 years Please help us, if you can. I thank you for any time and considerations on this matter. XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have requested inaccurate addresses be removed from my credit on several occassions. I have submitted dispute letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to have the inaccurate addresses removed from my credit report. The company completed investigations on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite their investigations, they organization refuses to remove inaccurate addresses from my credit report.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In addition to complaint ending XXXX, I have XXXX other accounts that are with XXXX XXXX XXXX XXXX that I am current on that are showing XXXX60 days late. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I have found myself with extra medical bills following XXXX treatment and Navient will not allow me to ask for a forebearance while I get these medical bills paid. 

They call me 4 or 5 times a day about a payment that is not over 30 days overdue. 

I also will be anticipating some additional medical bills on an unrelated diagnosis that will push my further behind.