davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I settled a debt around XXXX / XXXX. I have recently understood that for some reason, the USAA banking department is not aware of what the settlement department has completed on my account, and they still wrongly consider my past account with them as outstanding etc. It is difficult to get it handled when I call in and I wait on hold and get passed around.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (CA)

I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
Consumer complaint received 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

To whom this might concern, I am writing to complaint about Chase credit card fee management. Chase has violated the customer agreement when they keep charging the interest fee on the TOTAL PURCHASE of the month instead of the outstanding balance after I made the payments. 

For example, I purchased {$4000.00}, paid {$3000.00}, and am subjected to the interest charge on {$1000.00}. Chase charges the interest on my entire {$4000.00} purchase for the periods for multiple months. I have attached my statements that show how Chase calculates the interest on the total monthly purchases. 

After multiple attempts contacting Chase 's customer services, the issue has not been resolved. I have closed the account. I would like to file the complaint against Chase practices since they originally violates their agreement, falsely charged their customer, failed to resolve problem, and made no further attempt. 

Thanks and have a good day! 
Sincerely,
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Services Collections, Inc (MI)

I recently looked at my credit report and saw that I had a debt in collections. I would have immediately paid this debt if I had known about it but have never received a notification of it. It was a {$110.00} medical bill that I have since called the hospital about and paid it since it was still in their system, but this debt has negatively affected my otherwise spotless credit report. I need to know where the communications about this debt were going because they were not going to any of my residences since the debt went to the collection agency. 

This debt has been on my credit report since 2012. I have not been contacted about it since.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (FL)

SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.
Consumer complaint received 2015-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

This company contacted me via mail saying that they were collecting a debt on behalf of XXXX for an account that is 3 years old that I never had. They said if I disputed this information to write them within 30 days and I did. I received another letter from them on XX/XX/2015 stating the same thing and to respond within 30 days. I have credit monitoring and on XX/XX/2015 less than 30 days they put this item on my credit report anyway after I have disputed in writing once. They never sent me any paperwork regarding this matter and they are wrong to report it anyway. I am not able to scan the letters they sent and that I sent but I am more than happy to fax them or mail them if needed. My credit is overall good and this account is seriously causing me financial distress.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

My Experian credit report contains a wrong home address. Experian says the address was reported by a creditor, so I should contact the creditor and have them correct the information. However, Experian does not tell me which creditor incorrectly reported my wrong home address, so I have no way of contacting the creditor. ( By the way, the address Experian reports for me is fictitious -- it is not a address recognized by the United States Postal Service. )
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Consumer complaint received 2016-03-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NE)

My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (VA)

I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.
Consumer complaint received 2015-11-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (IL)

I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC (FL)

On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On my credit report it states that I have a magistrate court judgment in XXXX XXXX that is scheduled to continue on record until XX/XX/XXXX. I settled my civil claim on the XX/XX/XXXX. I have endured hardship from this being relevant on my credit report. I have unsuccessful to receive apartments, jobs, and finances.
Consumer complaint received 2015-05-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I paid UAC the settlement amount of {$1800.00} back in XX/XX/XXXX, but I never received any correspondence or my release of lien from UAC. I have not received any form of communication from UAC. I want my debt settled and I want to receive my release of lien document so I can get a clean title to my XX/XX/XXXX Mercury Mountaineer.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You
Consumer complaint received 2015-12-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

I was charged over draft charges from the use of my debit card, as well as NSF charges in spite of the fact that I never " opted in '' nor authorized any overdrafts or charges on my account. indeed, I specifically opted out of this coverage and believe that PNC Bank is engaging in predatory practices in clearing checks and charges to their accounts.