davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Richmond, Inc. (GA)

I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.
Consumer complaint received 2015-03-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AR)

XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I requested an increase of credit and was turned down. I've had a credit card with them for several years and have paid my bill on time and never been delinquent. There was no need for them to turn me down for an increase.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (VA)

My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

The debt in question is from XXXX XXXX. They sold the debt to Diversified Consultant Incorporated. This debt was settled by XXXX XXXX ph # XXXX in which correspondence was mailed to me advising the money paid satisfied the debt in full. I am now receiving a statement from XXXX XXXX on behalf of Direct TV for the amount that was supposed to be adjusted due to the settlement. I have in my possession all correspondence. Additionally I have contacted XXXX XXXX where they have advised they do not know who Diversified Consultant Incorporated is. Please advise where I can submit this documentation in order to support their falsified documentation in order to support their falsified settlement. The balance they are trying to recover is invalid.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY (TX)

Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have an XXXX FICO score, XXXX in available credit, and & lt ; {$2000.00} in debt in any given month. 
Today I received an email from Capital One inviting me to do a balance transfer, that appears to be in violation of the Credit Reform Law. 
A section of the email stated : '' If you pay your balance in full each month, you do not pay interest on your purchases. Please note, after you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ". 

This appears to be in violation of the law that states that payments shall be applied to highest interest debt first.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OH)

I bought a Vacation Club Membership on XXXX/XXXX/XXXX while in XXXX, XXXX. I attempted to cancel it, but apparently did it wrong on XXXX/XXXX/XXXX. I also called them on XXXX/XXXX/XXXX and tried to cancel, they let me think all I had to do was call back after I got all my paperwork, so I waited until I got it but then I was told it was after the time limit. 
I put the charge on AMEX specifically because of the protection they say you have if you get ripped off. When I called AMEX initially the CS Rep told me it happens all the time, not to worry about it and they would get it taken care of, just file a dispute. So again, I let it go because they led me to believe they were going to take care of it, so on another angle, my time to cancel using another means ran out. I filed the dispute 6 times with AMEX and each time they denied using different reasons and documents they received from merchant that were not relevant in some cases. I have attached them. This company has an office, XXXX of them that I could locate, in the US also. I also went to an attorney, who charged me for a consult to tell me to " XXXX '' or file against Amex because I was not going to be able to do anything against the vacation club. I went onto AMEX community form website and there are numerous people on it with the same problem that I have had with AMEX and disputing charges. I have called and called them and just get passed to another phone operator. I have sent them written confirmation from the merchant where I tried to cancel on XX/XX/XXXX and then AMEX came back and said they denied because vendor said I never tried to cancel or never complained. If I was rich it would be different, but this was XXXX of my savings. I am just stupid..really stupid and looking for help. I am not trying to get out of paying, I have paid all of it to AMEX and I paid it before I had to. I did n't want to look like I was trying to scam someone out of money or just not pay.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX had provided incorrect information to all of the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. XXXX stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included TransUnion. By the time XXXX got the information corrected, TransUnion had deleted the entire account. Per a response from TransUnion to complaint # XXXX, XXXX has not verified the corrected information, therefore they will not show XXXX as a creditor. The XX/XX/XXXX credit report that I received from TransUnion does not reflect my mortgage information. I have tried to get the corrected information on my mortgage added by TransUnion. They stated that this information need verification from creditor. XXXX states that they have sent correct information. I have to contact the credit reporting agency. Nothing is been done by XXXX or TransUnion therefore I the consumer suffer.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (AL)

complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.
Consumer complaint received 2015-12-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express Serve Prepaid Account, card number XXXX and XXXX sub-accounts. XXXX of my sub-account holders is XXXX XXXX. 
The sub-account card for XXXX XXXX was lost and I promptly called the American Express Serve customer service number to report the card lost and also notify them of the unauthorized transactions found on the account online. 
There were XXXX posted unauthorized transactions at the time of my call, from XXXX different mechants, for the amount of {$1700.00} and they were disputed. I was sent a dispute declaration form on Friday XXXX/XXXX/2015 which I filled out and sent back by fax, same day. 
To my surprise, I received an email from American Express, stating that my Serve account has been suspended, and all my sub-accounts closed. I also got an email saying my disputed transitions ' claim was denied and never got my money back. 
The case for unauthorized transactions was reported Friday, and by Monday morning, American Express has concluded their investigation and denied me fair hearing, as stipulated by the banking laws. 
I Calle the Merchants in question, and some of them never got a call or Email or mail from American Express, regarding my case. So the question is, what was investigated?
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (PA)

My bank account was seized on XXXX/XXXX/XXXX by Midland funding LLC. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted Midland Funding those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and Midland has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

In XXXX our now bankrupt lender XXXX paid our escrow shortgage and foreclosed, which we modified with them. In XXXX chase assumed the loan when our lender seized operations, Chase immediately started sending our modification payments back & restarted a foreclose. The primary borrower filed a chapter XXXX to stop a sheriff sale. Which we then agreed to try to sell the home to buy time which Chase then agreed in XXXX to modify our loan. Our issue now is the loan fell off both mine and the primary borrowers credit due to the 7 year delinquent payment rule. In XXXX of XXXX chase decided to re list the mortgage on my credit only which shows a balance higher then I owe and showing the last payment received as of XXXX. my issue is I disputed this asking that Chase report the correct balance and the last 18 months payment history, in my now fifth dispute it has not changed Chase stating the information is correct well today Chase told me in a letter it is up to the credit reporting agencies on what they surpress and they ( Chase XXXX has done all they can do to report it due to BK protection laws and that they can not report any information on the loan once a borrower files a chapter XXXX. This is my issue if they can " not '' report due to the chapter XXXX filing then how can they put a 7 year old debt back on my credit and report a single payment for one month in XXXX then record a higher balance and add XXXX payments past due " IF '' they can not update info once XXXX of the borrowers files in my case the primary borrower filed a chapter XXXX in XXXX thus, Chase just reported incorrect info 6 years after the BK and refuses to remove the incorrect info or the debt that went late and stayed late since XXXX till modified in XXXX. I need help understanding how they can say we can not report your good payments under the modification nor can we report the correct balance you owe due to the XXXX chapter XXXX but we will report the loan as modified a high balance then you owe and one months payment so the 7 year clock starts again and this ends up on your credit for another 7 years since we report it as an open account. this seems like a bit of a double standard what they are doing. So again I ask for help understanding the protection laws for myself, if they can not report my good account then why can they update a bad account after one files chapter XXXX. Thank you in advance for your time
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.