davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
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)

This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX XXXX XXXX ) with increased health problems ( XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX 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. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it.

Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call XXXX. 

Around XX/XX/XXXX I spoke with a XXXX account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe XXXX didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX credit theyre handling for me. I asked her to take a payment on my XXXX account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with XXXX. When I spoke with XXXX rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
Consumer complaint received 2020-01-18
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. (NV)

. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I went to the XXXX dealership to see what my options were for trading in my vehicle. I was told that only a couple of banks would be checking my credit to see if i am approved. The dealership never mention I would have over 30 inquires on my credit. They never asked for my approval. Throughout my conversation with one of the salesman from the dealership he say bank, assuming 1 or 2 banks. Not 30
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I received an email from Chase regarding a new money incentive with a coupon code included that expired XX/XX/XXXX. When I went to open the account via the link it confirmed the coupon was accurate and allowed me to move forward. When I as an existing Chase customer used my credentials to login, it then told me the Coupon Code Expired. 

When I called customer service at XXXX XXXX  CT, I spoke with a representative who fielded my issue, placed me on hold to speak with a supervisor and came back on the line. 

She said the only thing they could " come up with '' was that I received a new checking account bonus on XX/XX/XXXX. They said since I received one within the last two years I was ineligible. 

The language on the email with the coupon for the offer reads : " You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. '' The language clearly states it is based on the enrollment date, not when the bonus was received. The enrollment date occurred prior to when the bonus was received. 

I was then put on the line with another supervisor who was explained the situation. The supervisor apologized for the inconvenience and said there was nothing she could do, other than tell me to visit a branch tomorrow, XX/XX/XXXX. 

I explained to her this was unsatisfactory as I would then no longer be able to meet their terms as the offer expires today, XX/XX/XXXX. 

I explained to her this was unacceptable and I would be opening the accounts today so as to adhere to the terms of the original offer.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (PA)

Home Depot via Citibank is engaging in gender discrimination I applied for a Home Depot credit card for a project in my name only ; my credit score is XXXX, my income is XXXX, I have one active loan XXXX and I am a woman. They offered me a card with a {$500.00} credit limit. When I asked why such a low limit based on my credit score, I was advised they use a matrix. They would not give me details on the matrix and just told me to contact the credit bureau. 

My husband applied the next day. His credit score is XXXX, his income is XXXX and he has the mortgage and a card loan. They gave his a card with a {$5000.00} credit limit. 

Prior to XXXX of this year, the house we owned had the mortgage in both names but because I was doing temporary work ( steadily from late XXXX through early XXXX ), I didn't want the hassle of explaining my work history on the mortgage application.
Consumer complaint received 2019-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have noticed that CAP ONE NA have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both CAP ONE NA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible  purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MI)

I have Walmart credit card, where I make XXXX dollars minimum payment. I recently have gone through financial hardships and have been late on making a few payments.
Consumer complaint received 2020-01-18
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding bought my XXXX  XXXX debt years ago and was paid off years ago. They have failed to provide me with a payoff letter after multiple request.
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Around XX/XX/2019 I was contacted by letter by XXXX XXXX XXXX, XXXX which alleged I owed a debt to Synchrony Bank. This company also alleged the debt was previously held with PayPal with  previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by Synchrony Bank who bought PayPal Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with Synchrony Bank for PayPal and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company XXXX XXXX XXXX XXXX XXXX to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ). 

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly  decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against XXXX XXXX XXXX, XXXX for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.
Consumer complaint received 2020-01-18
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: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.
Consumer complaint received 2020-01-18
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: LEXISNEXIS (NV)

dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use Lexis Nexis
Consumer complaint received 2020-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

dispute submitted thru cfpb and was sent to the company. they refused to reinvestigate the dispute unless additional documentation is provided. however I did provide an abundance of additional documentation and they still refused to reinvestigate this dispute and state they will NOT reinvestigate any disputes about this again. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use XXXX XXXX
Consumer complaint received 2019-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I was told by Navient customer service on different telephone calls that per my situation, a forbearance was something I could utilize as I wouldn't pay anything during the forebearance. It was not made clear that interest would continue to accrue nor was I provided the amount of interest. On XX/XX/2019 in my telephone conversation with Navient I was told that principle would be paid off as well as interest on my loan of {$78000.00}. When I looked on the Navient website today my total loan amount is {$78000.00}. When I agreed to the current pay-off plan of 8 years I was told the {$680.00} would not only go to interest but to principle as well. This has not been the case.
Consumer complaint received 2020-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I have made bi-weekly payments since prior to the Penny Mac company taking over the servicing of my loan. I have also always made my payments a month in advance and for more than the monthly payment so that I can have additional money go towards my principal. Since Penny Mac took over the servicing of my loan I have had one issue after another. My taxes were computed and calculated at over twice the amount that was due. My payment automatic withdrawal was then adjusted without my knowledge or consent to be raised even higher than what I was already paying ( with the additional amount for principal ) When I called I was told that was standard and that they would have sent me a notification for the increased amount later. That because I was in effect paying the month prior- that it was simply a mix-up. ( In fact, it appears to be a bad process that is poorly thought out and implemented ) Then I got that stopped. I was assured they would manually process both payments in XXXX so that they were made in time for my XX/XX/XXXX payment due date. Which they did indeed process them. Now, though I am told they were misapplied. I have also checked my account to see that they did not process the partial payment for XX/XX/XXXX as it should have been either. All of this has resulted in my being considered behind. Now I am again behind for this month because they did not process my payment in XXXX. This company is unprofessional and clearly has poor processes in place to ensure that accounts get credited timely and appropriately. When speaking with members of their customer service team they frequently are uninformed or make changes to my account that has unintended consequences. I am beginning to wonder if they are intentionally misapplying payments so that they can accrue additional fees in light of the fact that I clearly intend to pay this mortgage off early thereby reducing their profit off my loan. Calls to customer service continue to be stonewalled with low-level agents who are unable to make and or understand the changes that clearly need to be made. Now - here I am - dealing with trying to catch up when I have been paying all along. Seems grossly unfair, shockingly incompetent, and perhaps illegal.