davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Dream Center Education Holdings (NC)

This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent two harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Sent in a payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

All of these items are from Knight Adjustment Bureau : XX/XX/XXXX : {$580.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4200.00}
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (NV)

I Have been in contact with this collection agency for several years. balance of XXXX form vandalism on my home by an employee that worked there at the time.Most recently back in XXXX, I called asking how to set up XXXX semi-monthly payments to pay this debt off. I was advised they had sent several settlement letters to my old address, the most recent one expired 2 weeks before I called. I have called and offered payments to settle they refuse to work with me saying they do not take payments. I sent payments they rejected them .No where on the website does it disclose payments are not an option. I ask for a supervisor they do not provide one. ME and my children are homeless because no one will rent to me because of this. They all want proof I have paid, but again that is not an option,. I updated my address XXXX and they still are sending letters to the wrong address. this is a horrible company taking advantage of people. I have been advised to sue by the state of NV as debt collectors for rent are supposed to accept payment but lack the knowledge to do so. There is no relief, no supervisors I can speak with. They keep threatening to report I am refusing to pay every time i call to make a payment.additionally something needs to be done here, as i have attempted multiple times to pay what they are stating i owe and they keep turning down every payment i have attempted to send them, i do not see how they can say they are sending settlement letters when they are sending them to the incorrect address, and when i tell them that they basically say oh well, this is not how a business should be ran debt collector or not, they should be more than willing to work with people especially since covid and other factors have happened. I want them to either write off the balance or allow me to set up a payment arrangement so i can get off the street. I am in contact with XXXX XXXX XXXX and am filing suit against them.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MN)

XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account. 

XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION. 

Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (WI)

I wanted to rollover my XXXX money from my previous employer with XXXX XXXX  as my XXXX account holder, into Optum bank, to my new XXXX account. I printed out their form from the internet and sent it to XXXX XXXX to transfer the money. XXXX XXXX sent a check to Optum bank to rollover the money. Optum bank said that they did not receive the check. I contacted XXXX XXXX, and they sent me a copy of the check that was cashed by Optum Bank, with the dates and routing numbers on the check. I contacted Optum bank several times to try and resolve this issue, but all they keep saying is that the money did not go into my account, so there is nothing they can do.
Consumer complaint received 2023-03-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 2022-03-14
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. (PA)

I have been XXXX in the XXXX XXXX XXXX XXXX from XXXX until the present date. I have no knowledge of this account or an address that is listed on my report. This account and my personal information should be thoroughly be investigated and the information removed from my record. 

Account : XXXX XXXX A Reported : XXXX. XXXX, XXXX - {$330.00} Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2016-09-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NORTH AMERICAN FINANCIAL CORP (AZ)

I had initiated a VA refinance application with North American Finance. My loan officer was XXXX XXXX. An appraisal was done my home. The longer the process was taking, the more I was feeling uneasy about working with NAF. I finally withdrew my application. At that time, I was told to pay for the appraisal. A couple of weeks went by when I was finally able to pay the appraiser directly in the amount of {$450.00}. I notified NAF that I had paid the appraisal directly to XXXX XXXX. In the meantime, I initiated another VA refinance application with XXXX XXXX XXXX XXXX. XXXX XXXX was my loan officer. XXXX XXXX had contacted NAF several times to release the appraisal, but kept getting the runaround. Due to the inaction of NAF, my refinance has been denied.
Consumer complaint received 2015-06-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC. (TX)

there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I am a XXXX XXXX in the United States, I traveled to open an account on XX/XX/XXXX with CITIBANK, they opened my financial product and gave me a provisional debit card to carry out my transactions, which would be active until XX/XX/XXXX. XXXX, when they opened my product, they informed me that the definitive card with which I could activate my online transactional portal would receive it no later than XX/XX/XXXX, However, this did not happen. I went back to the branch and the adviser who opened my product realized that she had mistyped the delivery details of my card, she made the correction and supposedly the card would arrive as soon as possible, I already I returned to my country of origin and as of today the card has not arrived at the address of my family member, I have called the bank several times, I have sent emails requesting the shipment and none of my requirements have been met, As of today I have no way of using my resources because I finished transferring them all from my account in my country of origin to the account I opened with CITIBANK, and now I have no way to dispose of my resources. All I am requesting is that you deliver my final card as per the service promise to the address I provided.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (IL)

Grant and Weber continually adds to the balance of this account each and every month. The original balance was {$390.00} and now is over {$520.00} on my XXXX, XXXX and XXXX credit reports. 

Per 15 U.S. Code 1692e ( 2 ), Grant and Weber can not claim an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ).

This is a medical bill and no contract was ever signed to charge any additional amounts. I do not have any signed or verbal contract either with the doctor or Grant and Weber. They are clearly breaking the law.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (IL)

On XX/XX/2021, three days after my direct deposit, charges appeared on my debit card statement from XXXX at the following times and amounts : XXXX for {XXXX, XXXX for {XXXX, and XXXX for {XXXX} totaling {XXXX 
Direct Express refuses to return the monies alleging that the purchases were authorized. The XXXX company supports me stating that I did not make the purchases and that they returned the monies to the bank to correct the error. I contacted the bank with this information, showed the bank " People/Robots '' that these purchases were not made by me on this account and included the information of the return by XXXX for the items. Regardless of the hard evidence that was timely submitted, twice, that shows the cardholder ( Me ) did not make purchases, the Direct Express " People/Robots '' insisted that the purchases were authorized and refuses to return the funds that were returned by XXXX to me. 
Okay, why won't Direct Express return/release my money? 
SINCE THE FUNDS WERE RETURNED BY XXXX TO MY ACCOUNT, WHY DO I NOT HAVE THE MONEY?
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called CAPITAL ONE/SAKS XXXX many times since XXXX on XXXX account # XXXX opened on XXXX Today XXXX ID # XXXX claims that she & manager insist I call the Social Security office as it their fault for the ill acts of CAPITAL ONE SAKS/ EQUIFAX XXXX XXXX IDE # XXXX stated several times that she does think the social security office is at fault for issuing social securities if they did not issue social securities credit bureaus would never make mistakes.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

DeaXXXX XXXX XXXX XXXX, My name is XXXX XXXX, contact details : XXXX, XXXX. 
I kindly request your assistance on the following matter. 
My USD XXXX transfer made on XXXX XX/XX/2022 from a broker organization ( XXXX XXXX XXXX  in XXXX, where I bought some USD at the trade market ) to local Citibank branch in XXXX got suspended in correspondent bank which is Citibank NA ( XXXX ). XXXX tracker shows status that the payment was rejected the same day ( XXXX XX/XX/2022 ), however it was not returned to a sending bank ( XXXX XXXX XXXX in XXXX in this case ). 
As per my request, sending bank ( XXXX XXXX XXXX ) initiated a request for search and refund of the payment, on XXXX XX/XX/2022. However, the money still have not been returned. 
I tried to contact both Citibank in XXXX and in XXXX. Citibank XXXX ( which I am client of ) has not seen the incoming transaction at all. Citibank XXXX, which I tried both calling and contacting by e-mail, refused to assist me, and redirected me back to sending bank, which already initiated the investigation/refund request on XXXX XX/XX/2022 but has not seen any response from Citibank since XXXX. 
It's been already more than a month since outgoing transaction was made, and the funds are still beeing held by the correspondent bank, despite they almost immediately rejected the payment. 
I kindly ask you to facilitate the refund of my money to the sending organization. 
Please see the XXXX number of the transaction : XXXX, and I am also attaching the outgoing SWIFT message for XXXX reference. 

Sincerely hope for your help, XXXX regards, XXXX.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.
Consumer complaint received 2022-11-22
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: MECHANICS BANK (CA)

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.
Consumer complaint received 2022-11-22
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX we made an in branch withdrawal of {$500.00} and received {$500.00}. About a month later on XX/XX/2022 Wells Fargo automatically deducted another {$500.00} stating the {$500.00} withdrawal was cashed for {$1000.00}. This is false. A week later I received a letter with a phone number to call for questions. I called on XX/XX/2022 to file a dispute and research request. I never heard back. I called again on XX/XX/2022 and provided the reference number. The representative stated a dispute/research request was not filed. A new research request was submitted with a promised resolution of no later than XX/XX/2022. I did not receive a resolution. I called on XX/XX/2022 and was told there was no resolution and was transferred several times and provided several not working phone numbers. The new case manager advised me to call the branch to dispute the withdrawal and provided me with the phone number of a branch in another state. I explained to him that it is the wrong branch ( out of state ) and he insisted that it is the right branch to contact. I tried calling the actual branch several times and no one picked up. My final call resulted in the research team escalating my case and promising a call be Thursday XX/XX/2022. 

A bank should not be able to unilaterally deduct money from accounts without cause.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (GA)

I started receiving debt collection notices from Shellpoint Mortgage Servicing inXX/XX/XXXX. The debt collector was notified several times by me that the debt was disputed, that I demanded validation, and that its responses were confusing and unclear. InXX/XX/XXXX I notified the debt collector to cease and desist. 

The debt collector claims I owe three different creditors for the same alleged debt : XXXX XXXX XXXXl, Shellpoint, and XXXX XXXX XXXX. I do not owe any of these entities money. 

The debt collector claims the original creditor is XXXX XXXX XXXX XXXX XXXX, an operating subsidiary of a XXXX XXXX. No such entity exists. Mail sent to it was returned undeliverable and unable to be forwarded. Representatives at the number given for it stated they had no record of lending me money or a security interest in my home. 

The debt collector is not registered with the GA Secretary of State to do business in Georgia. 

The debt collector filed a false document in the property index - an alleged assignment of security deed to it. 

The debt collector has failed to provide the validation demanded and continues to attempt to collect.