davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.
Consumer complaint received 2015-10-31
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

The issue first began on XXXX XXXX when the company tried to switch to a payment system with XXXX and ran into a technical malfunction. Since this has happened I have had no access to my monies. No access to my account what so ever. I ca n't access the website, I ca n't access the mobile app and when you call customer service you either wait on hold for hours and then get hung up on or you get hung up on right away. I have had XXXX major direct deposits go in there and I ca n't have access to them. They were suppose to be looking into this but at this point no one has returned my call and no one answers the phone.
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FM)

4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED
Consumer complaint received 2015-10-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

I have an escrow account set up with my mortgage. I re-negotiated my homeowners insurance amount with my insurance company to a lower amount. A new declaration page was sent out showing the change. There was no bill. My mortgage company paid it as a bill. I can understand that mistake, but then two weeks later after paying that bill, a new insurance company sent a much higher bill for payment for XXXX XXXX and that was paid without my authorization! My homeowners insurance was paid up to date until XX/XX/XXXX so neither of those payments should have been sent out! I called them twice and they said they have no safeguard in place to protect our escrow accounts. If a bill comes, they pay it! I did not sign any change forms authorizing a different insurance company to bill my mortgage company. They pretty much said " oh well '' HELP!!!!
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I sent disputes already but no contact or changes have been made. 
You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. 
Please see the attachment supporting my statement
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX County Circuit Court, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX County Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and GLA. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Forster, Garbus and Garbus (NJ)

I have received numerous calls from a company called Foster, Garbus and Garbu looking for a XXXX XXXX XXXX spelling? XXXX. Unfortunately I did n't record all dates. The phone calls have been coming for approx. 4+ months. On approx. XXXX XXXX, 2015 I called and explained that I do not know this person and please remove my number from their account. I did not receive any phone calls until XXXX XXXX Received XXXX calls XXXX XXXX, XXXX and XXXX XXXX on approx. XXXX I again called to explain I do not know this person and to remove my number. I did not receive any calls until XXXX ( received XXXX calls XXXX, XXXX and on XXXX ) on XXXX I had talk to someone and once again told them I do not know this person and remove my number. I again received a phone call on XXXX. On XXXX i called and talked to a XXXX XXXX. I explained my situation and he told me there can be several different accounts tied to XXXX name. I then asked to talk to a supervisor and was transferred to a voice mailbox of someone named XXXX. I left a message with my name and phone number and explained my situation. that was approx. 2 hours ago and I have not received a return call.
Consumer complaint received 2015-10-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC (FL)

Collection agent left a voicemail at my place of business on an extension that I use. The voicemail message indicated the attempt to collect a debt on behalf XXXX. The voicemail greeting does not state my name or make any reference to me individually, and the voice mail messages are accessible to the entire office.
Consumer complaint received 2015-10-30
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK (TX)

I applied to Discover personal loans for an installment loan in order to consolidate multiple balances into one place. By any objective criteria, I would have been approved for the loan - DTI, credit score, etc. I provided all of my personal information to Discover ( which they had on file, since I have had a credit card with them for 2.5-3 years ). When I called back to Discover, they told me they denied me because I had no credit history. 

Due to their incorrect information, I was not able to get an appropriate loan. I have lost a significant amount of money paying interest charges, and if I apply now, I may not receive an interest rate that will assist me in making payments. I am unsure why Discover thought I had no credit history, but I have a long and strong credit history.
Consumer complaint received 2015-10-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (TX)

I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Management Systems Inc. (TX)

My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (ME)

Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mitchell Rubenstein & Associates, P.C. (VA)

Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?
Consumer complaint received 2015-10-31
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Innovis (VA)

XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MS)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate a charges on my Chase card from XXXX XXXX XXXX on XX/XX/2016 of {$3000.00}. I just did a complaint but forgot to mention this charge, there are so many of them that It is hard to keep up and remember all of them.I got contacted by this company by an unsolicited telemarketing phone call. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
Consumer complaint received 2024-10-15
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. Please help.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TN)

This account is invalid. SYNCB/XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/XXXX XXXX