davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, Equifax, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from Equifax ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on Equifax, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Consumer complaint received 2020-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I recieved an email from my bank ( Chase ) saying that they were assisting me to access my whole stimulus check because my account was overdrawn {$410.00}. Which I never asked for, but I didn't know I had to pay them back within 30 days. So they " removed '' that money from my account on XX/XX/XXXX. I had a little under {$200.00} in my account on XX/XX/XXXX, and in the morning on XX/XX/XXXX my account was overdrawn by {$220.00}. I tried calling my bank, and the woman I spoke to said they couldn't help me, its a policy that they just do this. Even though I didn't ask for the assistance, and the woman also told me " you shouldn't have used the funds then ''. And didn't offer any other kind of help, when I went into the branch an hour later they basically told me the same thing. They couldn't help, it was something that they did. And that I could've done payment plans, but i was unaware of having to pay them back.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I secured a debt consolidation loan in XX/XX/2019 to pay off old credit card bills. One of the credit cards was Capital One Quick Silver. The statement balance was approximately {$300.00} remaining to be paid ; however, prior to the consolidation loan, I paid {$50.00} directly to Capital One. The debt consolidator printed a check for {$300.00} based on the balance on my credit report. I mailed the payment to Capital One and that generated a credit to be returned for approximately {$49.00} ( {$49.00} to be exact ). I contacted Capital One and they assured me a refund check would be mailed to me within 90 days. 

I called them in XX/XX/XXXX because I had not received the check only to realize they had an old billing address. I updated my mailing address and was told they would cancel the issued check and reissue. It would take another 15 days to receive it. XX/XX/XXXX, I still had not received the check. I verified they had the correct address and I received the same response, " We'll cancel and reissue a refund check. You'll receive it within 15 days. '' Again, XX/XX/XXXX. I received the same response. Each time I've contacted them I verified my correct mailing address. However, this time, the representative said they had the incorrect address on file. And once again, after explaining that I will be filing a complaint against Capital One, her response was, " I've canceled the check and we'll reissue it. You'll receive it within 15 days. ''
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I filed credit card dispute with Costco Citi Bank around the end of XXXX related to the four airline tickets that were purchased from XXXX XXXX using Costco Citi Bank credit card and then the Airline cancelled the four tickets due to Covid-19 and never refunded us the money. I indicated in the dispute when we spoke with the dispute department of the credit card that the reason why we are disputing the charges is because the airline cancelled our tickets and did not refund our money and therefore, we paid for a service we did not receive. 
The phone call when I filed the dispute was recorded by Citi Bank and therefore, there is a confirmation to my statement above. 

See attached letter for more explanation.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgence Legal Group, PC (IL)

I sent a full packet of documents via XXXX, with a notarized Fraud Affidavit, and other documents that I also emailed to XXXX XXXX XXXX Department on XXXX to Resurgence via certified mail. I did not get a letter from them stating that that received my documents. Instead, I received a letter yesterday XXXX summoning me to court. There are no dates or anything. No court date. It was filed on XXXX with the XXXX XXXX for a substitute appearance. I did not get so much as a call or response, just court paperwork. I do not know if this is legal but its quite unorthodox and does not seem like a professional practice. I do not owe this debt because it was never mine & I never received any correspondence from XXXX as well.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

Our mortgage servicing rights were transferred from XXXX ( in bankruptcy ) to LoanCare , LLC in XXXX / XXXX of XXXX. 
After the conversion, LoanCare misapplied XXXX payment and we ended up being past due. Neither my wife nor I realize that we were past due until a credit reporting service sent us a notification of new derogatory information on my SSN. 
LoanCare corrected the payment misapplication but did not correct the credit bureau report. We are in the process of applying for a refinancing but due to this error and subsequent inability, we have become subprime borrowers ( credit score went from almost 750 to XXXX ). 
LoanCare representative promised to request correction on XX/XX/XXXX. Today is XX/XX/XXXX and the request has not been entered. Spoke with them again and was informed that it can take up to 30 days to show up. In the meantime, we are paying higher interest rate ( to LoanCare ) and are not able to secure a new mortgage. We feel like we are credit hostages at this point, held to higher rate, as it is not in their interest to have us refinance. 
Furthermore, LoanCare representative stated that they can not guarantee that payment application error will not occur again and refused to take any responsibility for it. 

They do not initiate error correction right away. This means that people who do not realize how the process works may wake up to the fact that they have a late payment but it will be difficult to impossible to correct. This goes to the core of people 's ability to have correct information reported and fixed without needing to be experts in managing the process.
Consumer complaint received 2020-05-16
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please  REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX listed on my credit file, immediately I contacted XXXX to report fraud. When I call in XXXX can not verify my address or my name as I write it only my SSN and not my correct address. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them XXXX XXXX to remove from my credit file. I refused to pay a debt that doesnt belong to me. 

XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CO)

To Whom It May Concern : I am writing to contest an unfair charge from XXXX XXXX. Per page marked XXXX, XXXX asserts the opportunity to charge customers on the Internet Essentials program any figure, whenever they feel like charging it. I have circled two phases that relate to my complaint. The program I enrolled in " Internet Essentials '' is for people who receive community support in the form of school lunch program for children. The program offers internet at {$10.00} a month. It reads at the bottom of that same page that XXXX has the right to change the price at any time. For two months of service they charged me {$10.00} plus and extra {$150.00}. This resulted in a bill of {$320.00}. 

I did not agree to terms where I would be charged any price especially exorbinant prices with over a100 % mark up. If I had prior written notice, which XXXX asserts it does not have to supply, I would have cancelled/disconnected the service immediately. I did cancel after I received a bill for {$160.00}. By that time, I have received a second month 's charge of {$160.00} because of the billing cycle. I am willing to pay the {$20.00}, and the account is cancelled so no further charges are being incurred. 

I could never afford those prices. I have a XXXX year old with XXXX and I need to spend my money on providing for him. This unfair billing has been reported to a collection agency and credit reporting agencies. Please help me reduce this bill. XXXX does not respond to my attempts to reduce it. 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I called and chatted on multiple occasions. Most recent interaction XX/XX//2020. I was issued a credit due to a dispute. I received confirmation the dispute was resolved in my favor. Credit Card refusing to refund my money.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

XX/XX/XXXX I NOTICED THAT AN ACCOUNT WAS REPORTED ON MY CREDIT FILE BY CONNS WITH THE PAST DUE AMOUNT OF XXXX OPENED IN XX/XX/XXXX. I HAVE INFORMED CONNS THAT THIS ACCOUNT DOES NOT BELONG TO ME AND IS A DIRECT RESULT OF IDENTITY THEFT YET THEY STILL REPORT ONTO THE MY CREDIT FILE.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (KY)

I have disputed these accounts several times through Experian and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Experian for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through Equifax Mortgage Solutions phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or EQUIFAX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (SC)

I received a letter in the mail for a debt that I have already paid on XX/XX/2019 from Paragon Revenue Group. The account number is XXXX when I called I got XXXX on the phone very rude and I told her that I have already paid this and to send this back to the original creditor and to cease all debt communications she then hung up on me. I called back spoke to XXXX and told him the same thing he then stated that he would ruin my credit if I did not pay him and I told him I am disputing the debt and to send it back to the original creditor that my XXXX XXXX account shows a XXXX balance and he said if you dont pay me I will put it on your credit right now and I said I have right under the FTC and FDCPA and he hung up on me. I then called back to ask for a manager and he told me I could not speak to one. They threatened to ruin my credit on a bill that is paid and I have a XXXX balance. They are a fraudulent company. XXXX XXXX is my name
Consumer complaint received 2020-05-15
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. (ND)

Equifax should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported in duplicate. It is a violation of the Fair Credit Reporting Act to report the same account twice. The FCRA mandates a credit report must reflect accurate information. This false reporting of repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (MD)

My ex-wife and I opened a KeyBank joint checking account in approx. XXXX. The account apparently had overdraft protection. In XXXX, I was commissioned as an XXXX XXXX XXXX XXXX and my family and I were transferred to XXXX. There were no KeyBank locations in the country ( not surprising ) and, therefore, we changed our bank to one that had a presence on the base. We attempted to close the KeyBank account but were told that we had to do that in person -- which, obviously, we could not do. We stopped using the account and had all of our associated auto payments stopped and transferred to our new account. We did not believe we had any money left in the account and that it was effectively closed. In XX/XX/XXXX, I received a phone call from KeyBank, informing me that they were attempting to collect a debt. I was very confused, because we had not used KeyBank in well over a decade. The representative informed me that I owed the bank approx. {$2500.00}. After MANY phone calls with the bank, I have finally been informed that this balance stems from a $ XXXX-per-month auto payment on two XXXXXXXX XXXX XXXX policies for me and my wife. It appears that there still was enough money in the checking account to cover these premium payments for several years, but once those funds were depleted, the bank began applying overdraft. This went on for YEARS, without the bank ever informing me or my ex-wife. We have been assessed hundreds of dollars in overdraft fees, late fees, interest, etc., and were not informed of any of this activity until the XX/XX/XXXX phone call to " collect a debt. '' In the meantime, KeyBank has reported this debt to the various collection agencies, which has obliterated our credit. In my conversations with the bank, I have expressed my willingness to cover the cost of the insurance premiums, but I have respectfully asked that the bank waive the overdraft fees, late fees, and interest given the extenuating circumstances -- namely, that this issue arose through a combination of my family and I being stationed overseas ( and unable to close the account due to KeyBank 's unreasonable in-person requirement ), the bank continuing to assess all kinds of fees and penalties for YEARS, and the failure to notify me or my wife until the bank attempted to collect a debt of which we were not even aware. To date, KeyBank has been completely uncooperative.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (TX)

I have called Granite State Management Company twice seeking a repayment schedule for my loan. They have never delivered it. In addition their website or billing process offers no ability to designate principle payments. Also, their billing process is deceptive, in that it lowers the monthly payment based on prepayments, convincing borrowers that they are making more progress than they think on their loans.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a student loan for my daughter. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a full time student at XXXX XXXX XXXX UNIVERSITY. From XXXX  2018 to XXXX 2018 XXXX XXXX XXXX took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my daughter is no longer in school. My daughter has been a full time student since initial enrollment. I was told I had to make another request for a deferment. I went to my daughter school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.