davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX  collections shows an open date of XX/XX/2016. 
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must  ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.
Consumer complaint received 2018-02-26
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. (TX)

I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , Transunion , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX   send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XXXX of XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XXXX of XXXX they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The incident occurred on XX/XX/2018. 

I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents. 

Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud. 
I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer 's bank, and waited until the check cleared to make any further transactions- in or out of the account. 

Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen. 

The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe. 

Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told. 
I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account. 
The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds. 

Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.
Consumer complaint received 2018-02-26
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. (SC)

Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (IL)

Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I received a job offer via email from a representative claiming to be XXXX XXXX, vice president of marketing/sales for XXXX XXXX XXXX, a manufacturing company based in XXXX, Kentucky. After accepting, I received a check on XX/XX/XXXX in the amount of {$2900.00} to cover my first month 's wages, and I immediately deposited the check into my bank account. The following day when the check cleared, I was instructed to withdraw {$2500.00} and purchase several money orders from the local post office, and to deposit them into the account of a Chase Bank customer, XXXX XXXX XXXX, whose account number is XXXX. I was told that the funds were for one of the company 's clients and would be used for a new construction project. On XX/XX/XXXX, I was notified by my bank, XXXX, that my account had been overdrawn due to the check being returned unpaid. I immediately contacted XXXX to obtain a copy of the counterfeit check to take it up with the issuer. I asked why they didn't hold the check until the money was there, but they told me that their policies dictated that I was solely responsible for the loss on my account. I then proceeded to the post office with the money order receipts and serial numbers to ask if I could cancel the money orders, but they told me that I couldn't do that without the actual money orders, which by this time had already been deposited. Then I went to Chase Bank to see if the money orders had already been cashed or if I could cancel them, but I was told that my request was in violation of their customer privacy policy despite the fact I had reason to suspect that one of their customers was a cyber-criminal. My complaint lies primarily with XXXX, for not holding the check until the funds were available.I am aware that federal law dictates that banks must make funds available one business day after the deposit, but this leaves a massive loophole for criminals to take advantage of honest banking customers. My secondary complaint lies with Chase Bank for not allowing me to cancel the money orders.
Consumer complaint received 2018-01-31
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. (PA)

XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (FL)

After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (NC)

Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.
Consumer complaint received 2017-08-13
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. (KS)

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down XXXX points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from.
I have had nothing but in Going issues with XXXX XXXX. From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XXXX. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Consumer complaint received 2017-08-13
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 (PA)

My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2017-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.
Consumer complaint received 2017-08-13
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. (TN)

XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

My experian credit report lists two potentially negative issues. 

( 1 ) A debt to XXXX XXXX company that XXXX submitted to XXXX XXXX XXXX XXXX XXXX. I initially did not pay XXXX because they were billing me {$680.00} instead of {$380.00}. I contacted XXXX about this discrepency and they indicated that they would get back to me ; they never did. Instead, they gave my bill to the XXXX XXXX XXXX XXXX XXXX. I was still not able to resolve the discrepency in the amount owed, and only after submitting a complaint to the CFPB was the balance due adjusted to {$380.00}, at which point I paid the bill in full. However, by the time I was able to get the amount due adjusted, several months elapsed. I was never notified that an investigation was underway by experian or of the negative results of their investigation. 

( 2 ) Experian lists on my credit file an issue with XXXX XXXX XXXX that is potentially negative. The account was always paid on time, never late, and was voluntarily closed by me. This should not be listed as negative.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (IL)

I applied for an BBVA Compass checking account via a bonus promotion on XX/XX/XXXX. The promotion terms were as follows : 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus. 
2. Account must be opened within XX/XX/XXXX through XX/XX/XXXX 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option 2. 
5. After the requirements have been met you should receive the promotion within 60 days. I opened my account on XX/XX/XXXX and had an employer direct deposit of {$300.00} on XX/XX/XXXX. After meeting the requirements on XX/XX/XXXX, {$200.00} was suppose to be deposited into my account within 60 days. During this waiting period, I contacted BBVA Customer Service several times to confirm when the bonus would be deposited. I sent 5 secured messages because neither one was being responded to. I finally received a response 8 days later. The bank responded to me via secured message and confirmed that I met the terms and requirements of the promotion but they did not post the {$200.00} bonus. As it is now over 60 days, I have resorted to filing this complaint.