davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I 've had a capital one credit card for years, multiple cards, and I just noticed something that has most likely been going on the whole time, but I just realized it. From what I can tell they are charging interest based on the previous billing cycle. Last month my husband and I both paid off our balances in full. we had no new charges. the next month we both received interest charges, even though we paid our balance off in full. when I called they said that if I am not paying off my balance in full month after month I will still receive new interest charges even though I paid off my balance in full. this month on a different Cap 1 credit card my previous balance was {$1000.00} and I made the minimum payment of {$25.00}. on my new statement I was charged interest calculated on a balance of {$1000.00}, there were no new credit card charges. I believe Cap 1 is using double-cycle billing practices which is violating one of the protections of the CARD Act.  When I contacted them regarding this on X/XX/17 he assured me that they are not double-cycle billing they charge interest on an average daily balance, and that even though it looks like they are charging me interest on the higher amount ( XXXX ) that really they are not.
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (AZ)

OnXX/XX/XXXX I sentXX/XX/XXXXCredit Information services, XX/XX/XXXXXXXX and Experian a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On XX/XX/XXXXI received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XX/XX/XXXX, XX/XX/XXXX and Experian, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way forXX/XX/XXXX, XX/XX/XXXX or Experian to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from myXX/XX/XXXX,XX/XX/XXXX and Experian credit file permanently.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I was contacted by a company called XXXX telling me I had took out a payday loan. I told the lady no I did not and told her someone must have took my Identity. She told me to file a police record and send it to her as I was asking questions and telling her I had not lived at the address that was on the loan in 8 years she up told me you know you took this loan out and you need to pay it. I told her no I did n't and she hung up on me. I files identity theft online and got assigned case number XXXX.I got assigned a detective XXXX XXXX with the XXXX Financial Crimes XXXX. his email XXXXXXXXXXXX.The detective contacted XXXX and got of the information concerning this loan in which he stated was a pay day loan. The information I have received about this has been though the detective not the XXXX.I have found out that there was a company called XXXX XXXX used as a place of employment, XXXX XXXX XXXX used as the bank plus a phone number XXXX.This loan from what the detective has told me was taken out on line IP addresses are not in texas. Things were quite until XX/XX/XXXX when a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX hit my credit requesting a credit report I never authorized. I called them up asking them why and who they were the man tells me he is a collection company and his customer was cash central that 's first time I heard that part.I did research and found out cash central is part of community choice financial located in XXXX Ohio XXXX.Their rep called the detective and he told her he had been waiting on more information from them and the bank used along with giving this XXXX no last name the case number. Community Choice Financial continues to have collection companied call me threat me. A company called XXXX XXXX XXXX threaten me over my assigned company number which I had given to XXXX at Community Choice Financial to help get this issue solved but she forwarded it to XXXX XXXX XXXX XXXX in which he gave me a false name on XXXX XXXX. I filed with the Federal Trade Commission and sent that info to Community Choice Financial. They have the case number for identity theft report. Today after I sent the letter again to community choice financial they want me to send them an Affidavit notarized and my government ID They did not take any type of id for this online loan from my understanding and with all these emails with Name last name people and false names I do n't trust sending them my information. When I filed Id theft I did not even know any information cause I have got nothing from cash central or any of the names companies in this report. All my information has came from the detective. I just want them to stop and I want a rep of theirs to come see me with the detective Regards XXXX XXXX
Consumer complaint received 2016-11-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ZARVAD III S.A. (LA)

I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

PURCHASED XX/XX/XXXX USED XXXX XXXX XXXX FROM XXXX XXXX XXXX IN XXXX GA, XX/XX/XXXX. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO EQUIFAX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR XXXX XXXX XXXX IN XXXX GA. I AM XXXX XXXX XXXX AND XXXX VET. HAVING 2 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I recently made a transfer from the above referenced account on XXXX based on funds showing available. Somehow the ledger was off by XXXX which resulted in one overdraft fee after another. Totaling {$70.00} for a discrepancy of XXXX Now does this seem okay, to charge consumers? Additionally, I see this as a very unfair and deceptive practice based on how the transactions themselves do not post chronologically which results in more fees to the consumer. I am asking this to be reviewed and rectified by removing the fee. <P/>I can be reached at XXXX or my wife XXXX who is also on the account at XXXX
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans union credit company XXXX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I 've sent letters out about removing theses items and got no response back at all
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I had loans carried now by navient and i have been XXXX and XXXX XXXX for 5 years and was given student loan forgiveness and these people still have not closed the loans and still 6 years later are showing up as 5 years late fees forbearance s destroying the rest of my life.
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (IA)

Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BB&T CORPORATION (FL)

I have an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry. <P/>they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report. <P/>I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application. <P/>They can not provide it or even be certain that I did actually apply, This needs to removed.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

someone hacked my online account on XX/XX/XXXX with American Express Serve. I had my debit card from another account linked to the XXXX card, that person transferred {$100.00} to my XXXX card. XXXX ( my phone company ) withdrew that amount & more the same day. I filed a dispute with XXXX because XXXX was n't suppose to take that much off my card. I called a week from XX/XX/XXXX to find out what was going on with the dispute & a rep at XXXX told me that the dispute was closed & there was nothing they could do because XXXX had took the money off the card. So I paid off my debit card & moved on. On XX/XX/XXXX XXXX so called " transferred '' the {$100.00} back to my debit card. I was not aware that a investigation was still being done. As of XX/XX/XXXX I have n't received the money on either card & have been given the run around about what they are doing next. I asked to dispute it & I asked for the money back many of times. XXXX states that another department is reviewing it & all of my transactions on my account. I was told on XX/XX/XXXX, it took 7 to 10 days to review my account. I asked for emails to be sent to that department & still have n't heard anything regarding this situation
Consumer complaint received 2017-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (VA)

We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I was late with my monthly payments ( 4 months ) but always informing SHELLPOINT MORTGAGE SERVICING who were saying they will help and find a solution. I kept contact. Im XX/XX/XXXX They offer me a trial period to avoid foreclosure ( Streamlined Modification Solicitation letter ) starting XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and said if i honored the 3 payments the will come with a modification plan. <P/>I made sure i sent my checks before each due date and controlled checks on my bank account were debited accordingly. <P/>XX/XX/XXXX i called them ( again ) to know what s going to happen in XX/XX/XXXX. That is when they told me they never received my XX/XX/XXXX payment. Since i sent them twice the proof they cashed my check. they are now telling me this morning my file is in Foreclosure. They never replied to any of my email or try to established live contact with me
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc. (AL)

XXXX   XXXX ,    2017  at around  XXXX  central time a woman named  XXXX   from   Medical Revenue Services ( MRS ) contacted my employer. She stated that she was from MRS and needed to talk to me about some business. My boss stated that sh e was rude and gave me the number. I called and told them not to contact my employer because it was against the law. I will contact an attorney if it continues.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

NOTE : This complaint has been previously reported to the CFPB via case # XXXX. According to Supervisor XXXX XXXX - XXXX of the CFPB I am required to re-submit a " new '' complaint on the " new '' collection agency involved regarding this same initial fraudulent matter. <P/>Here 's what happened! On X/XX/16 a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this I contacted XXXX who investigated the same and verified that the contract employee had, in fact, fraudulently signed the aforesaid agreements in my name. XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services and I am still being billed for services and an early termination fee that I did not agree to receiving. Collection efforts are now being instituted against me by THE CBE GROUP, INC. - located at XXXX XXXX XXXX, XXXX, IA XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was totally familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she will be willing to verify this fact in writing if need be.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review