davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

XXXX XXXX XXXX/Loan Care Servicing  has sent me notice of foreclosure.  I have been paying the Loan Care Servicing through my Credit Union account since XX/XX/2019. My original refinance with XXXX (who declared bankruptcy) was purchased by XXXX XXXX XXXX XXXX. My monthly mortgage payments are up to date, I continue to get calls and letters from Loan Care Servicing everyday.  I have faxed proof of payment to Loan Care servicing x2, talked to several of their loan care representatives many times.  I was assured the problem had been taken care of on XX/XX/2019 when I talked to a supervisor of Loan Care Servicing. They stated that payments had been applied to the principal and that put me owing another payment, this had gone on since XX/XX/XXXX when they took over my loan.
This is a list of my payments and dates of my payments to Loan Care Servicing
XX/XX/2019 $XXXX paid early for XXXX
XX/XX/2019   $XXXX  plus $XXXX additional payment on XX/XX/2019 as I received  notice of increase in monthly payments.
XX/XX/2019   $XXXX as I received notice that I was owing another payment.
XX/XX/2019    $XXXX
XX/XX/2019   $XXXX early payment for XXXX
XX/XX/2019  $XXXX
XX/XX/2019  $XXXX  included a late payment fee.
XX/XX/2019  $XXXX   
I have proof of all these payments from my CreditUnion account.  Please help me.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCB Credit Serivces, Inc (SC)

On XX/XX/2022, I received a debt collection letter from CCB. Also known as Credit Services , INC . I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent, and I demand to be compensated.
Consumer complaint received 2022-11-11
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: CITIBANK, N.A. (CA)

I submitted a dispute with XXXX this month XX/XX/2022. My payments were not late and I do not have a past due amount. Home Depot did not report accurately to XXXX and cause my credit score to drop.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I booked a flight with XXXX XXXX on XX/XX/2022. Due to unforseen circumstances I had to cancel my flight for XXXX. The representative I spoke to said I can not receive a refund because it is outside of their XXXX cancelation period. This is unfair because my flight is literally XXXX XXXX away. As a XXXX XXXX  only receiving flight credit will not help this situation. Being refunded for the amount charged on my card will only suffice. This has been heartbreaking and overwhelming.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX  credit alert and per the attached my account XXXX has erroneously inaccurately been reported 30 or more days late by Chase.This is some straight out institutional racism XXXX that permeates in this country at it's highest form!!! 

I have NEVER been 30 or more days late on this mortgage in the 13 years that I have had it, and this is a blatant attempt to ruin my excellent payment history, because I am in the process of refinancing my property with another lender, and these XXXX at Chase know that if I have a late payment on my history in the last 12 months that I will be unsuccessful in refinancing, and have to continue the loan with them. 

On XX/XX/19, I made my mortgage payment via Chase payment by phone system, and the payment information ( routing number/account number ) were correctly provided, confirmed, and I was provided a confirmation # of XXXX!!! 

Then I'm informed through my credit alert program that I am 30, or more days late with my payment with the representative claiming that my bank ( XXXX XXXX XXXX ) said that there was NO such account with them. Which again, is pure XXXX ... I contacted XXXX XXXX and was clearly told that that was incorrect, and they don't operate like that, and were NEVER contacted by Chase, and if so that they would have reached out, and contacted me to communicate such.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (TX)

The purpose of this supplemental complaint is to inform CFPB the initial complaint XXXX was submitted on XX/XX/XXXX and a demand to comply was sent via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no resolution up to this date. Equifax has been given sufficient time per the FCRA and they must delete all negative items submitted in the aforementioned complaint due to their inability to verify the late payments. I should also note, that Equifax should not be allowed to use a previous dispute and deem this complaint verified per their last investigation since it has taken more than 60 days to verify and the law states they must remove unverifiable items off consumers credit report within 30 days.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!
Consumer complaint received 2022-11-11
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. (NY)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc. (PA)

The credit card I had was for XXXX, which has since filed bankruptcy. I returned merchandise and a refund was never credited to my store card which is issued by Comenity Bank. XXXX sent emails saying they are no longer processing any returns or refunds and to dispute any charges with the credit card company, which I have done. Comenity Bank is now refusing to credit me and passing the buck back to XXXX even though they are unresponsive. I made my purchase on XX/XX/2016 and it was for XXXX. My account number with Comenity for my XXXX card was XXXX.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX tx. I asked for a XXXX they said that they don't do XXXX. I purchased the car XX/XX/XXXX XXXX took the car back because of mechanical problems 3 times. In XXXX I started getting calls from Westlake Financial I called and asked why they said that they are taking payments for XXXX XXXX. When I first went to XXXX XXXX XXXX they said that Westlake would take me as a customer. Ok I went to trade the car in and I'm told that the car has a total loss on the title Noone at XXXX told me that I'm stuck with this car that has no value to it. Fraudulent Sales on behalf of XXXX XXXX XXXX. I was sold this cat for XXXX dollars payments XXXX per month my insurance company only let me put liability on the car because it is a salvage title I want my money back and this car is reporting on my credit.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (LA)

In XX/XX/XXXX a charge appeared on my Barclay Master Card for {$31.00} to XXXX. The charge was incurred in XX/XX/XXXX. 

I informed Barclay via a written dispute. I disputed this inXXXX, the same month the charge appeared on my account. This month ( XX/XX/XXXX ). Barclay notified me that they tried to call me to get my permission to close the account. According to Batclay, this is the only way to remove this bogus charge.

There are 3 things wrong wrong with this : ( 1 ) Banks dont need customer permission to close charge accounts. ( 2 ) An unauthorized or fraudulent charge can be removed without closing the account. ( 3 ). Barclay didnt try very hard to call me for my permission because I never got a call from them. 

In short, this appears to be a dodge to avoid removing a bogus charge from my account.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

Snychrony Bank/Paypal has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XXXX. I have had two real estate purchases and one car purchase since XXXX and this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active PayPal account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to XXXX XXXX XXXX on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from Synchrony Bank/Paypal to validate this debt. The debt is over 7 years old and I have zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XXXX. All my accounts showed up to date and current. Synchrony Bank has refused to validate this debt! 
So now what? Am I going to get harassed from XXXX? This also needs to be removed from XXXX.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Patenaude & Felix A Professional Corporation (CA)

Patenaude & Felix, APC ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the XXXX XXXX company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX XXXX XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us
Consumer complaint received 2022-08-04
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2022-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WA)

Americollect has been attempting to collect an already paid debt to XXXX XXXX XXXX in XXXX, Washington. in the sum of {$250.00} Dispute attempts by phone were met with associates explaining to me that I could not file a dispute or require validation by phone ( which they are legally required to provide ) and may only communicate with the dispute department via email. 

I emailed Americollect and requested a cost breakdown and validation of this debt, I only received an email that stated " we have verified that you owe this debt ''. without the required breakdown of costs associated with it. 

When I attempted to dispute during the first call, the operator stated " I don't see why you would be willing to let this damage your good credit. '' due to this, I feel as though my credit was being directly threatened by a representative of Americollect on XXXX behalf. 

Americollect also intentionally misrepresented this debt as a retail debt and not a medical debt to credit bureaus. 

According to the laws in place by the XXXX XXXX XXXX, they are in violation of the following items : The willful misrepresentation of the type of debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
The threat to take any action that can not legally be taken or that is not intended to be taken The false representation or implication that accounts have been turned over to innocent purchasers for value. 
The false representation or implication that documents are not legal process forms or do not require action by the consumer. 

In addition to the violations above, I believe that this was reported and misrepresented willfully with the intent to damage my credit 's good standing and prevent me from meeting credit-based goals.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

On XX/XX/2020 I mailed Transunion a dispute letter demanding to see verifiable proof on what methods they used to verify my dispute against a collection agency called XXXX XXXX XXXX, XXXX. I have not received a response. On XX/XX/2020 I mailed out a second letter demanding to see what method they used to verify the account in questioned as accurate. I have not received a response. I decided to file a complaint on Transunion because they will not answer any of my letters demanding verifiable proof.
Consumer complaint received 2016-04-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.