davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (WA)

I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I wanted to set up automatic payments for my mortgage. I faxed the request and checked with the lender a XXXX later. I was told it had not been received, XXXX days later I got a letter from my mortgage company stating that the request had been received but the voided check had not. I sent a voided check and a new automatic payment request. When the next payment was not taken out of my account, I again called the lender and again was told that they had not received a request for automatic payments. XXXX more time, after receiving a letter that they had the voided check, but not the authorization form, I sent both. When I was again told by customer service that they had n't received the form and voided check, I gave up and mailed a check. The day the check cleared ( XXXX XXXX, 2015, ) I got a letter from the mortgage company stating that the automatic payment of {$1300.00} would start on XXXX XXXX, 2015. I called the mortgage company on XXXX/XXXX/15 and told them to stop the XXXX/XXXX/15 payment as they had already cashed the check. That same day I placed a stop payment on the {$1200.00} at my bank. On XXXX/XXXX/15 the mortgage company withdrew {$1000.00}?? After a faxed request and numerous phone calls the funds have not returned. The customer service department has refused to provide access to a supervisor, once transferring me to " the person who handles your account '' after I told her to transfer me to a supervisor. The person who transferred the telephone call identified herself as " XXXX '' and refused to provide me with a phone number at their corporate offices.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (AZ)

SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX
Consumer complaint received 2016-01-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX, Account number private, Balance {$1600.00}, Date opened XX/XX/XXXX XXXX, Account number private, Balance {$1700.00}, Date opened XX/XX/XXXX XXXX  XXXX, Account number private, Balance {$1600.00}, Date opened XX/XX/XXXX XXXX BANK XXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX XXXX  BANK/XXXX, Account number private, Balance {$870.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Consumer complaint received 2016-02-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC. (IL)

I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association (AZ)

My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

I used my Chase card many times and was careful to call, many times, to make sure what I intended to happen, would happen. I used the card to charge, and was told that if I paid anything over the minimum payment, the remainder would be applied on balances with higher interest rates OR if I used a balance transfer from another company, the higher interest items would be transferred. I did several balance transfers, the last being around XX/XX/XXXX and started to enjoy the 0 % interest, which I paid for with balance transfer fees. I had a couple of these and the least amount of time I had was 15 months before it went onto regular interest charges. In XXXX Chase insisted first : that I had defaulted on a payment and ALL fees were now at 14.94 %. In all the years I have had Chase, I have NEVER been late or defaulted. Never happened. In the first XXXX communications I instigated to them, I was told the rote statement ... ... .that once I defaulted, all the charges would go to higher percentage. All XXXX calls and it did not matter when I spoke to a supervisor. SSDD ... ... ..same stuff, different day. For the past year, I have requested from Chase and subsequently from the debt collector they set on me, to have Chase provide their explanation, showing where : ( 1 ) I ran out of " time '' on my transfers and ( 2 ) that I was ever late or defaulted. One year from XX/XX/XXXX to XX/XX/XXXX. There were more phone calls FROM me to them, messages on the statement inbox, all to no avail. Now, after one year, with the debt going from $ 8,000.00+ to $ 14,000.00+ because of the fees and 14.94 % interest they have wrongly charged me, I get a statement of maybe XXXX pages and you know what?? I find NOTHING that substantiates their claim. I NEVER defaulted, I was NEVER late and my 0 % transfers were good for the 15+ months I expected. So, where does that leave me. No cover letter or call explaining where they are getting this wrong info from ... ... ... ..just the statements. XXXX, I could have printed the statements myself. I suspect they are scamming me to try and get an extra $ 6,000.00+ dollars from me when they are wrong. I have another Chase card and I pay it religiously, just like my other cards. Period. 
Thanks for listening to this and I can tell you, I am sick of it but do not owe it. They offered to settle with me for $ 11,000.00+ dollars ... ... ... ... really? I owed {$8000.00} and they have still not explained how they came up with this wrong info.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX/XXXX/XXXX, my employer received a call from a man who identified himself as XXXX with the XXXX XXXX PROCESSORS OFFICE.. XXXX XXXX XXXX XXXX XXXX, FL ) XXXX This call was recorded ) caller # was XXXX/California XXXX, he ask what the companies policy was on employees being served on there job, then provided a CASE # XXXX and # for me to call back to the Administrator of the file XXXXgiving Third party discloser to my employer **** -- -- -- -- -- -- -- -- -- -- On XXXX/XXXX/XXXX - When I returned to work and was provided with this information I returned the call XXXX and spoke withXXXX XXXX with XXXX @ XXXX, He did not provide Mini Miranda, and did not identify himself as a debt collector, however told me I had a pending Civil Case against me? I ask am I being sued, he said yes! He said they sent me papers to process services in my local jurisdiction? I ask for the documents to be faxed to me, he said no they are out for process service, and the next thing I receive will be a summons? XXXX This company will not provide me anything in writing which I have ask repeatably by fax/mail ... I ask what the charge off date was and was told XXXX, however this is a old Juniper Bank Visa sold to Barclays Bank and charged off in XXXX XXXX well beyond any statue of limitation XXXX where I currently live ) I called Barclays bank they sold the account to a debt buyer in XXXX. I can not find anything on this company they claim to be XXXX out of California.