davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (CA)

On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit bureau.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?
Consumer complaint received 2017-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Gurstel Law Firm, P.C. (AZ)

XX/XX/2015 I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX % of my check for a total of over {$1800.00}. In XXXX 2015 my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional {$150.00}. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Chargo stated that they did n't file their paperwork on time so they are refiling the garnishment, my work was to return the money to me and they would start over with an additional {$150.00} in interest from the last year because they did n't complete the paperwork in time. I went to the courthouse and filed a dispute and request for hearing, in turn having to pay {$230.00} to do so to fight this. I was never given notice of this " debt '' prior to the garnishment, nor was I given a chance to clear it up prior to them taking a huge chunk of my paycheck. I was never served with any documentation to prove such a debt or even notify me that I owed money and needed to pay it. To this day I still have no idea what this is for.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

After making arrangements with other cards ; I went to the account that I hv filed regarding both Capital One cards ( XXXX ) with you already. I saw that Capital One has not responded yet. After calling them on XXXX XXXX, XXXX and speaking to XXXX ( Collections Manager in Virginia ) did not respond to allow my account to be charged off. Let me explain : I spoke to XXXX in the collections to set up payment arrangements and she documented my account and stated I can pay {$20.00} month starting on XXXX XXXX, XXXX via mail, bill pay, XXXX XXXX, or XXXX. I was transferred to XXXX ( Collections Manager ) to speak about why they have not responded on here. XXXX saw the notes on my account to set up a payment arrangement and he stated that if I did not pay {$25.00} in eights days ; the account will be charged off. I explained I already set up payment arrangements in this department with XXXX and he stated I am unable to wait until XXXX XXXX. I explained to him that I called Capital One starting in XXXX XXXX, I mailed a letter XXXX XXXX, XXXX and Capital One has yet to enroll me in a hardship program like I asked. I explained to him that I could mail {$20.00} preferably but I can mail {$25.00} on XXXX XXXX, XXXX. XXXX stated my payment wo n't make it in time and the account will be charged off. I am requesting your department to investigate Capital One for purposely not enrolling me in a hardship program ( which would have allowed me to make low montly payments, prevented my account from being charged off, and I would have been on a regular monthly payment plan to pay off my cards ) I am also requesting that your office investigate Capital One for not responding to my original complaint ( Case number : XXXX ) so that my account can go in charge off status to lower my credit score. Capital One did this out of retaliation because I filed with you. They should not be allowed to prevent any consumer to make payment arrangements under hardship reasons ( I would qualify ) especially when I called before it was delinquent. When I called Capital One ; I was less than 2 months late.
Consumer complaint received 2016-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C. (IL)

The Law Office of Arnold Scott Harris PC has called repeatedly since XX/XX/XXXX claiming I owe a debt to the Illinois XXXX. They say I must pay them directly, and give me the number of the violation. I have contacted the XXXX and the XXXX county court and no such debt exists. They continue to call and harass me.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XX,2016 XXXX XXXX I XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

In XX/XX/XXXX-XX/XX/XXXX, XXXX erroneously charged me an overage of $ XXXX for electrical power due to their miscalculation. This was not the first time XXXX had miscalculated an error. But in the past I 'd paid it and moved on. This time I refused, so I filed a claim in Small Claims court since I could get nowhere with their internal customer service department. This overage has been discharged, and I 'm no longer their customer. However Penn Credit ( penncredit.com ) has gotten hold of this invalid claim and refuse to let it go. I 've tried emailing and postal mailing them to alert them they are attempting to collected an invalid debt, but my notices have been ignored. Instead they continue to send me threatening letters and they must be stopped. I will not have my credit ruined over something that was XXXX 's mistake in the first place. My " debtor ID '' with them is XXXX
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NJ)

I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently attempted to add a checking account to pay my bill on my credit card ( 2 separate cards ). *Platinum MasterCard ( XXXX ) *Quicksilver MasterCard ( XXXX ) Capital One stated the account was not valid so I asked to speak to a supervisor. The leader advised that my account was not active and I need to contact my bank about the matter. I stated I just used my account and its over 20 years old. The supervisor was helpful so we conferenced the call with my credit union, XXXX XXXX XXXX XXXX ( XXXX, Michigan ). They confirmed the information and even sent a letter to Capital One. I also sent the same letter twice and they have yet to add or respond to me. My payment is due tomorrow ( X/XX/17 ). This is unbelievable, I just want to pay these cards and close if they did n't hurt my credit. I 've never had to beg a company especially a bank to take my money.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.
Consumer complaint received 2017-07-20
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. (LA)

XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Consumer complaint received 2017-01-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

My finance company ( PennyMac finance has taken money from my account and made second payments for several months last year. I have tried to work with them, but no luck. They also made insurance payments to XXXX insurance companies even after I notified them XXXX was canceled. The money that was returned from the canceled insurance company was not put back in the Escrow account, but was used to make extra monthly payments on my loan. I was also charged a late fee although I have Bill Pay and mu mortgage payment is sent to PennyMac on the XXXX of every month.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am having this Kohl 's credit card for years ... .and facing some problems : 1 ) I need to type in the card to do any transactions. 2 ) I do n't know when Kohl 's will send me a replacement card? 3 ) There are no statements that i get - neither physical ( postal ) nor digital ( e-mail ) 4 ) I have my bank account being added for auto-pay but it does n't work. 5 ) If i return something - it takes a while for it to get reflected but still the fees is being charged. 6 ) Try calling customer service ... it 's too awkward timings ... Call Customer Service XXXX till XXXX XXXX my local time. I was not at all aware that auto-pay is not working..moreover I did n't received any alerts or notifications from Kohl 's that something is due from my side ... but when i logged in to this Khol 's account ( as there is no debit from my bank account ) - noticed late fees and interest charges ... .I am in USA since 2000 but never had any late fees or interest charges ... this is ridiculous - now i need to work with credit agencies to fix my credit score/history also ...
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

We applied for an auto loan online with XXXX XXXX XXXX. Received an email saying that they received our application and attached a copy to the email. We were unable to open the attached application. Moments later we received another email saying a decision had been made. We followed the link ... no decision was accessible. Called XXXX number and they referred us to the dealership to get the information. Called dealership.. they had problems opening the file also. Five days later called dealership and they said application was denied and that the trade-in information was not on the application. The dealership felt that that was probably the issue in the denial. Both XXXX XXXX and dealership wanted us to resubmit our application. We do not want to resubmit because that would put another inquiry on our credit reports. XXXX XXXX not only did XXXX inquiry but XXXX! XXXX by : CHASE AUTO XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX We are very upset that they did XXXX inquiries on our credit report. They were not given permission to do so. We tried working with JPMorgan but kept getting transferred to different offices. We would like to get a copy of the application to see what they based their denial on. From what the dealership says the application they saw was incomplete. Please help.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The XXXX, XXXX in the XXXX XXXX stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.