davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

I bought a policy with XXXX after buying a car mainly just to get me through about a week until I could add the car to my XXXX XXXX  policy. I had an XXXX XXXX XXXX so I pay big money for this commercial insurance. I decide to keep this XXXX policy for 6 months because it was cheap and I figured it never hurt to have extra insurance. After my 6 months were up I never renewed and never signed any renewal but they sent me a bill for another 6 months. I sent emails and called them showing with documentation I already have insurance and will not be renewing with them. 
They put me in collections with CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and hurt my credit rating by 40 points. 

I disputed with Caine and Wiener with documentation but it fell on deaf ears. I disputed with XXXX and this stupid {$240.00} charge is still on my report. XXXX did remove this so I rate them much higher than XXXX. I refuse to pay out of principle and have decided my only recourse is to tell what a crooked company XXXX is to the world on review sites. 
Recently with covid 19 I can not continuing my business because this bogus collection hurt my credit score just enough to not qualify for a Small Business Association Co-vid19 loan which would have allowed me to stay in business.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (KS)

XXXX has sold the debt several times, even after its been dismissed and closed through several disputes. It is over 7 yrs old, its been disputed 3 times. They have lied and keep changing the dates. I have disputed so many times and have won everytime, then the debt gets removed, closed and then put back on by someone else, or even the same company that was renewing the debt after the fact they lost the dispute. Then a few days later it popped right back up on my credit report. I keep trying get them to stop, but they refuse. Ive been threatened to be sued and that it would possibly damage my credit report. There has to be a law that protects me from this! How can sprint just keep doing this! Their current collection agency is called Jefferson Capital systems, now the dispute says they won, how can they win when Ive already had it removed 3 times and closed? So the 7 years starts back over? Thats not right, whats XXXXhe point of having that rule if it doesnt actually matter? The collection has completely started back over. I dont know what to XXXX XXXX I dont know what my legal rights are. I feel like I am being bullied and harassed by this company, considered they found a way around the 7 yr credit drop rule, so how many other old debts are going to pop back up on my credit that are over 7-10-15 yrs old? Im terrified theyre going to get away with this. Just keep reporting it over and over and what if all the other old ones just start showing up? Ill never know what is on my credit, Im trying to get into law enforcement and everytime I turn around I look like Im lying to the government about what debts I have, when in fact one day its not there and the next day it is. Its causing me so many problems. Please please I am begging. Someone help me stop sprint from just charging whatever and whenever they want because they can make up documents and change it however they see fit, Im not sure if theyre actually doing that, maybe its the debt collection agency doing it, but either way I need help stopping the falsifying of documents that affect my credit! I think I even have receipts if the original account set up date! Thank you and hope to hear back soon. Ps. I added proof that Ive been found correct and that the FRCA agreed with me about sprint and had it removed from my credit from my first dispute against sprint. I won and it was removed from my credit, only for them to find a way to go against the law.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I recently received an email offering an AMEX GOLD credit card with a bonus of XXXX points. I signed up and met the spending requirement quickly, but now Im told theres no record of the offer being extended to me. Ive called multiple times with no result ; I have been a loyal AMEX customer for 19 years. I never received prior promotion points from this card to make me ineligible..
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MN)

Mr Cooper mortgage company set me up to fail from the beginning. They never sent a welcome letter or statement due in XXXX. I only found out when I called my previous mortgage to pay. They gave me a number to call and when I did, they told me my account was not set up yet and to call back next couple weeks. When I called back, this person told me to call a different number which I did and was told to register my account. When I proceeded to pay, it only allow me to pay XXXX so I called again and was told to just pay that amount and will even out next time but I said that I needed to pay my full amount and was told not to worry about it. XXXX came and again tried to pay but only allowed to pay XXXX and I called company again and was told again not to worry about it that it will even out next month so XXXX came and finally allowed me to pay full amount of XXXX which I did. I thought maybe it takes a couple months to even out so I didn't worry. After my XXXX payment, I found out that I was a late on my payments? but I said why didn't they tell me on my XXXX statement to pay all that was owe, why wait for the XXXX statement to say that I was late. I feel because of this company 's mistake and not taking responsibility for their mishandled of what was due, my credit score is being affected. I was not even given a chance to pay on time in XXXX because I never new they were my new mortgage company. I never received anything from them. Who does that?. Again why is this my fault? Now, my XXXX payment was on time and why is it showing that is was late?. I hope this gets fixed
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MN)

3 issues : - 1 ( extra mortgage payment inappropriately applied to interest despite instructions ) is resolved - 1 not resolved ( {$60.00} late fee charged for no apparent reason ) - 1 not sure if resolved ( underpayment of homeowners insurance policy ) First, my husband and I made an extra mortgage payment. We were/are current on our payments and our mortgage does not allow for prepayment penalties. We sent in a check to Newrez with instructions to apply it to principal - " principal only '' was also written on the memo line. Newrez deposited the check, but applied part of it to interest. They have resolved this issue. However, it took a SIGNIFICANT amount of time on our part to complain and get them to fix it because it is so hard to reach customer service. 

Second, I'm trying to resolve an issue where they charged us a {$60.00} late fee that I believe was in error, as all of our payments have been timely- but have not been able to get ahold of a person. The recommended way to reach customer service is via a Contact Us form on their website, which they respond to via mail or via a " secure message '' that requires creating an account on another platform called XXXX. I'm currently on the phone trying to reach a person, but the number listed online is for Sales so they can't answer questions about existing accounts. 

Third, Newrez also underpaid our most recent homeowners insurance policy by {$20.00} even though there were sufficient funds in our escrow account, which I'm still trying to resolve, and Newrez has been unresponsive.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had a checking account with Citibank, account number XXXX. I closed my checking account in XX/XX/2020. The checking account also had a Checking Plus Line of Credit attached to the regular checking account to pay any overdraft fees. I assumed the add-on account would be closed at the same time. I was unaware that there was a balance on the Checking Plus Line of Credit. Subsequently, Citibank reported me to the credit reporting agencies as being 30 days late for {$22.00}. I have paid the account in full. 
I asked Citibank to remove the derogatory information from my credit bureau because they did not inform me of the balance on the add-on account when I closed the parent account. When I informed Citibank that I would like to file a complaint they told me that I need to talk to the credit reporting agencies.
Consumer complaint received 2024-02-28
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MN)

i ordered a american express gift card on XXXX of XXXX at XXXX. it was a {$100.00} card. when i tried to use it after my trip back from XXXX, it wouldnt work. it would tell me that the card was declined or whatever. when i checked my balance, i was getting XXXX off my card. ive kept trying to purchase things that said american express was accepted, but still has not worked. ive called the american express phone number, and they didnt really help me, and i couldnt really understand what they said due to their accent. recently i thought the card worked, but i got an email from the place i bought something on that they had to cancel my order. i also have something. another thing i bought, but didnt go thru, i did not get a refund. most of the stuff i want to buy, does not go thru. there was two things that went thru, but got canceled because of my payment
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

I filed another complaint # XXXX XXXX earlier today. 

I know found out that they did have my insurance info, but for some reason did not upload it or properly acknowledge it in the system. 

I asked why, after spending XXXX hours on the phone with various voicemail trees, various people, on hold, and filing complaints, and they could not answer. 

I want this complaint to continue. The issue is not resolved. 

They had no explanation as to why they didn't acknowledge the insurance I provided. 

Also, they did not confirm they will issue a refund. 

The only way I was able to finally reach someone in their insurance department is to call the main UWM #, tell them I was filing a complaint with the CFPB and tell them that I'm elderly and contacting an attorney, and speaking to someone at UWM who was able to connect me with someone in the insurance dept. This is a total waste of time and a total abuse. I wonder how people who don't have the ability I do to deal with this ever get anything resolved.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

This complaint is in reference to Jefferson Capital Systems , Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my XXXX window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when XXXX of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}. 
This debt should be at a point where it is not even reportable any more, as it is XXXX, which is 7 years after the original delinquency in XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

I am not liable for this dept with AWA COLLECTIONS, I do not have, nor ever had a contract AWA COLLECTIONS. They did not provide with the original contract as requested. 

XXXX has investigated this and I have uploaded proof.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/2020 we had a presentation for a vacation membership in Hawaii were the sales person told us many times this was not a time share at the en of the day we we agreed to buy a membership that was said by the sales persons we could cancel at any time so we continued with the transatlantic where we pad with some fees with our credit card but after we got back from those vacations ( Hawaii ) we got a bill from XXXX XXXX   credit account by comenity bank. We reviewed the contract and the name of this bank or any other information about a loan, service agreement nor any information regarding this line of credit was found. We called XXXX and asked to terminate this membership but they are not willing to do so
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

Calls at least a dozen times a day from multiple different phone numbers and unknown/unlisted numbers. Calls begin before XXXX and after XXXX. XXXX allows for XXXX call per day for the purpose of debt collection. Violation of this policy may invalidate any debt owed per state regulation.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I had XXXX insurance and the medical staff said that the procedure is covered by insurance. XXXX went ahead and charged me for the full amount. I was told that it is covered by the insurance, but the billing department refuse to make the adjustment. I accidentally paid one of the bills, they refuse to refund it because they said it was a owed. Very dishonest with billing
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Problem with PayPal : when I set my preferences for online payment to withdraw from checking it does not clearly do so. Transactions are then executed from wrong source, overriding consumer intent. 

In settings, I have " Your preferred way to pay '' set to withdraw funds from my bank checking account for online purchases. On XX/XX/24 I made a purchase for {$400.00} using PayPal. Unfortunately, because of a misleading interface design, my preferences were overridden and {$400.00} was taken from my PayPal account rather than checking. 

First, at the account settings panel called " Money, banks and cards '', I set my preferred way to pay to withdraw funds from my bank. After setting this, the consumer should be confidant that funds will come out of checking. It specifically states " online purchases '' here are no other warnings or indications. 

The problem is at the bottom of the " Money, banks and cards '' settings panel is another section called " Automatic payments ''. It is hidden out of view in most browser windows. Moreover, the consumer has to select and open this to manage preferences. 

This needs to be changed.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Robert W. Warner & Associates, P.C. (MI)

Dear XXXX Warner, I am writing in response to a summons I recently received concerning a lawsuit filed on behalf of RMF Asset Management , LLC regarding an alleged debt of {$950.00}. This communication serves as a formal dispute of the validity of this debt, which I have no knowledge of, and which I believe is a result of identity thefta situation supported by police reports and Federal Trade Commission documentation currently in my possession. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Failure to Provide Adequate Notice ( Section 809 ( a ) ) : The FDCPA requires that debt collectors provide consumers with a detailed written notice of the debt. This must include the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed valid by the debt collector. I have not received any such communication from you or XXXX XXXX  ( seller ), or the original creditor ( XXXX XXXX ), regarding this matter prior to the summons. 
Misrepresentation and Deception ( Section 807 ) : Pursuing collection activities without verifying that I am indeed the debtor, especially given my identity theft claims, constitutes a deceptive collection practice.

Unfair Practices ( Section 808 ) : Filing a lawsuit without sufficient notification and verification of the debt is an unfair practice under this section of the FDCPA.

Given these violations, and the serious impact of the alleged debt on my personal reputation and mental well-being, I am seeking an immediate dismissal of this unfounded lawsuit. The manner in which the summons was served has caused significant distress, shock to my family members, and damage to my reputation.

Claim for Damages : Due to the negligence demonstrated by RMF Asset Management , LLC/ Warner Law Firm in handling this matter, coupled with the emotional distress and reputational damage caused, I am seeking damages in the amount of {$1500.00}. This is in addition to the dismissal of the current case, which is based on what I believe to be a fraudulent claim linked to identity theft. 
I hereby demand that you provide written verification of this debt and furnish any documentation that links me to this obligation, taking into account my aforementioned identity theft situation. Should this case not be dismissed and the damages not be addressed, I will be forced to seek legal representation and will pursue all available legal remedies, including filing a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please respond in writing within 15 days from the date of this letter to confirm that these demands will be met. Failure to respond will result in further action from my side to protect my rights and seek redress for the grievances caused by these proceedings. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Confirmed on XX/XX/24 that my wire transfer and odometer reading form were received. Spoke with XXXX employee # XXXX who confirmed this information and said title and bill of sale would be mailed this same week. XXXX said it would take up to 10 days for me to receive the title and bill of sale. Called Infiniti on XX/XX/24 after not receiving title and XXXX  and they told me to give it more time. Called Infiniti on XX/XX/24 and was told that information was mailed and there was nothing Infiniti would do to rectify this situation. I asked to speak to a manager, I asked the manager to overnight me the title and XXXX. She said Infiniti will not over night this information and I needed to wait another two weeks for information to arrive. If i didn't receive the information by that time Infiniti would request another copy of the title, which could take another two weeks, and would send it regular mail again despite regular mail not working in the first place. The manager said they will not over night and when I said I wanted to speak with her boss she said her boss will not get on the phone and that " I was out of luck and would just have to wait '' My registration is expiring in one week, I paid for this car almost one month ago, I need to re-register this vehicle because the current registration show Infiniti as the owner. This is a deceptive practice, as they have my payment in full, and I am in jeopardy of getting a ticket or being denied any insurance claims because my registration is invalid. The reference number I was given for this transaction is XXXX. The wire transfer was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and deposited at XXXX XXXX XXXX XXXX  on XX/XX/24 in the amount of {$21000.00}. The phone number for Infiniti CS that I called is XXXX.Please help.