davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (GA)

I received a letter ( attached scan of said letter ) from AmSher Collection Services , Inc of XX/XX/XXXX notifying me of a debt from XXXX XXXX XXXX for the amount of {$90.00} and my rights to dispute/request validation for this debt within 30 days of receival. I then disputed and requested validation for this debt and sent the letter ( attached copy of dispute letter ) via USPS Certified Mail on XX/XX/XXXX. I received confirmation that this letter was received by a person on XXXX XXXX at XXXX XXXX  ( attached confirmation ), therefore, request to dispute was confirmed that it was received by AmSher within the 30 day timeline. As of today, XX/XX/XXXX, I have yet to receive any communication from AmSher regarding validation of this debt. They did not provide what they are required to provide by the 30 day period of receiving my request. 

On XX/XX/XXXX, I received notification that this debt, that has not been validated to be mine nor has my dispute been acknowledged, was reported to the Credit Bureau ( confirmation screenshot included ). This has negatively affected my character.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

Robinhood allowed someone to get access to my account while not flagging there new location or the sell of everything I own and transferred to a new bank account added the same day. 
I did catch these and tried to get ahold of robinhood before my money was gone. They have an electronic customer service wall and you cant call anyone without being able to get on your Robin account. 
This happened XXXX XXXX XXXX XXXX and XXXX both have better security and dont allow for new login devices from new locations. 


By the time I was emailed a number to call all of my money was gone. {$2200.00} Thank you for your time and reading my complaint. 
XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Omega RMS, LLC (NY)

On or around XX/XX/XXXX I was directed by Omega RMS LLC to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XXXX XXXX  the account would be removed from my Credit reports.

However, what has happened is Omega has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in XXXX XXXX my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. 

XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
Consumer complaint received 2021-10-08
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (NY)

Today Barclays locked me out of my personal savings account that I have had with them for five years. Last week I opened a new checking account with XXXX ( XXXX ) and linked my new XXXX account to my Barclays savings account. Today, Barclays locked me out of my savings account. I can no longer log in or access my funds. Barclays said they did this for my security because my XXXX account is new and they can not verify that I am the person who opened it. But I am the person who opened it and losing access to my savings account does not feel secure at all, especially right now. Barclays asked me for a bank statement and a verification letter from my new bank. Barclays said it would take at least two days and possibly a week before they would restore my access to my savings account. I don't know who to go to for help about this. Barclays said it was their security department who mandated that I be locked out of my account since they can not verify my new XXXX account. This does not seem right to me. My mortgage payment is to be withdrawn from my Barclays account in a few days.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (LA)

I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX. 

I did not pick Amerihome ; they bought my mortgage from XXXX.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2023, I requested Barclay Bank to validate the debt, in which, they claimed I owed. The account XXXX and a balance of {$1300.00}. 

As of XX/XX/2023, this company has not responded to by letter validating this debt belongs to me.
Consumer complaint received 2022-01-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (MI)

Through my XXXX, XXXX DE XXXX, i entered into a loan agreement with Lima One Capital for {>= $1,000,000} subject to certain terms and conditions. Lima One provided and we signed a term sheet that included details on the loan including ; term, amount, interest rate, and prepayment penalties. I was also informed verbally that i could prepay up to 20 % of the loan each year without penalty, this was later confirmed after the loan closed via email. The loan documents provided to me incorrectly detailed the prepayment penalty and omitted the 20 % paydown feature. I raised the issue with the legal department who admitted to the mistake and agreed to change the prepayment penalty terms but not to honor the 20 % paydown feature. Also since Lima One has contractor XXXX to handle the loan servicing, Lima One through its servicer ( XXXX ), has not honored their obligation to service the escrow account. They have not paid taxes on time nor insurance, which has resulted in late penalties with the cities as well as affecting my other business endeavors within those cities, as i am considered a delinquent tax entity. They have also allowed insurance policies to lapse because of non-payment even though my agent and i have provided them with 2 months advance notice of pending renewals. I have attempted to resolve these issues with both Lima and XXXX but if i am able to reach a representative i receive apologizes and confusion, but no resolution.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is XXXX XXXX XXXX  XXXX and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the Data Furnisher BUT the issue is Equifax has reported this on my credit as having a balance of {$910.00}. This is inaccurate and XXXX XXXX XXXX  XXXX has confirmed specifically XXXX  XXXX Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. This appears to be an inaccuracy on the side of Equifax. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 clearly reflects. I have spoken to Reporting Specialist at Equifax ID # XXXX and have verbally informed Equifax of the error to get this fixed as soon as possible. It's still not fixed.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I want to make a formal complaint regarding the Kohl 's department store card. I have setup automatic payments at least 6 times the last few months. It keeps showing as setup completed on their site and on their app, and it does not work. I called the number on the card XXXX, and the automated voice is so garbled, I can't even understand it, nor can I connect to a live agent. I now have late payments on my credit report. I want these removed from my credit report, and I want someone at Kohl 's in their credit department who is in charge to call me. I am never shopping there again, and as soon as someone can call me, I am paying off the card and cancelling it. I want my late charges removed and my late payments removed from my credit report. I am completely outraged and irate. I am never late on any of my bills, and I can't get a hold of anyone. Why am I being punished for their negligence and joke of a payment system. I have told them multiple times, and they always say they have fixed it. Now I can't even speak to anyone. These companies need to be held responsible for ripping off consumers. I am convinced they make things as difficult as possible on purpose to rip off people and charge them late charges. No one has tried to call me or anything about my account!
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (SD)

This is the third complaint I have filed against the company for incorrect information being reported on my credit report. In their last letter dated XX/XX/2020, they stated that the AUD from the first complaint was sent however " it appears that this updated did not reflect on your credit report as there was a delay in updating with the bureaus. '' The implies that they have made two requests to update the bureaus however this is false information. As you can see from the attached documents the reporting has been incorrect in several different ways and times : The account was listed as open but incorrect balance The account was listed as open but delinquent The account was listed as closed with incorrect balance The account was listed as closed with a {$0.00} balance The account was once again listed as charged off and sold to a debt buyer The accounts are reported differently on different credit reporting agencies during the same time period. 
I have also sent a separate certified letter to the VP of Customer Relations and two separate certified letters to the President of the company and those letter have not been answered other then the original answer to the CFPB complaints. I am at a loss as to what I need to do to get this fixed. The company has lied to me on multiple occasions that this would be fixed and has provided false information to the CFPB.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (NY)

Heres what happened : I got a letter from CBE Group. They claim I owe XXXX {$230.00}. This letter said, in part : Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XXXX, we must stop collection until we send you that information. 

On XX/XX/, I completed CBEs online form which allowed me to dispute the debt. I got confirmation that said debt was disputed. 

Fast forward to XX/XX/XXXX, I got another letter from my pals at CBE. They are now trying to collect on the XXXX debt despite them telling me in their first letter, I have until XX/XX/XXXX to dispute the debt. 

CBE Group misled me, and as a direct result, my credit will likely be negatively impacted. Im not pleased about this. This feels illegal and creepy. 

I still have both letters I have received from CBE Group including the letter asserting Ive got until XXXX to dispute the debt.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-10-02
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. (PA)

There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NV)

This is a response to XXXX. Still working on it? They should have taken care of this three weeks ago. Once I notified them that they did not process my bonus on XX/XX/XXXX that they said they would pay me when I opened the account in XXXX, they should have simply processed the bonus. How long should that take? Additional punitive damages should be assessed.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXXXXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Within Equifax the accounts of XXXX XXXX Account XXXX is not mine and XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything. 

I want this collection account removed from my credit report immediately.
Consumer complaint received 2021-10-02
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. (PA)

XXXX closed three account I have the balances of XXXX . Legally this has to be removed because They transferred these accounts! This is a federal student loan they are not reported consistently thats a violation.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-05-05
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: ID Analytics, Inc. (NV)

I want to file this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have several public records listed on my report. There are : Tax lien XXXX, XXXX, XXXX and a judgement for XXXX. The names are not listed on the report and I went to the courthouse and the record is not there.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (KY)

I XXXX  XXXX in order to change my info. I called the number and was asked by the person to download XXXX on apps. so that he could walk me through it. He had me pull up my account, and asked what bank was used for it. I told him. By the end of the call, he had gotten my banking code number and somehow used my XXXX to send money through Zelle. I've never even heard of Zelle. 
He took {$170.00} out of my account. I'm on XXXX, so that was all the money that I had until XXXX. 

The phone number they used was : XXXX, and the money was deposited to XXXX XXXX 's account. 
Transaction # XXXX on XX/XX/2021