davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solutions To Portfolios, LLC (MI)

I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

ex-niece with same name but differint birth dates and age and address getting bad credit score for her and her husband XXXX XXXX and XXXX other XXXX XXXX credit companys need to check birth dates, and social security cards more closely instead of running others credit so they ca n't get housing, car, insurance rate is higher ect. ex nephew went to jail jumped bail bound I get subponea to court when it had nothing to do with me and is on my credit report, credit cards, apt XXXX damage ect on my credit report because of them!!!!!!!!!!! Please check birth date and SSI #!!!!!!!!!!!!!!!! I 'm XXXX Not in my XXXX And not in my XXXX Thank you
Consumer complaint received 2015-11-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (GA)

I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.
Consumer complaint received 2015-11-14
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Paramount Recovery Systems, L.P. (TX)

We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (OK)

This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Thaxton Investment Corporation (TN)

I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us. 

This is the Covington Credit located at XXXX, TN XXXX
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC (NJ)

My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request your assistance in resolving an ongoing issue with TransUnion, which is continuously reporting fraudulent accounts on my credit report, despite my numerous attempts to have them removed. I have provided TransUnion with both an FTC Identity Theft Report and a police report regarding these accounts, yet they persist in reporting this inaccurate information.

This situation is severely affecting my life in numerous ways, including but not limited to my ability to secure housing, credit, and employment. The false accounts are negatively impacting my credit score and overall financial wellbeing, making it difficult to move forward despite my efforts to rectify the situation.

I believe TransUnions refusal to remove these fraudulent accounts constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As you are aware, under the FCRA, I am entitled to have inaccurate or fraudulent information corrected or removed from my credit report within a reasonable timeframe, once valid documentation has been provided. TransUnion 's failure to do so is not only a violation of these protections but also a source of immense personal and financial distress.

I kindly request the CFPB to investigate this matter and compel TransUnion to remove the fraudulent accounts from my credit report as soon as possible. Your intervention is necessary to ensure my rights as a consumer are upheld and that I am able to restore my credit to its accurate standing.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Sent to Chase thru secure message center onlineXXXX XXXX, XXXXI had an account with Washington Mutual since the early XXXX while living in Oregon. With Chase taking over WaMu, it brought many hardships. I dealt with this as best I could but the local Chase people in California, were usually not helpful. I once again faced a large problem when I was told that the routing number on my checking acct was being changed and received a letter stating such. I went in to a branch to get assistance. They looked over my account, the letter, etc and then said I had to contact all my direct deposit entities notifying them. This required considerable time and effort, plus XXXX more visits to a Chase branch to make sure that the changeover would not disrupt my automatic deposits, etc. Finally all was done and the deposits went as they had in the past. Then I found out through my own efforts and with no help from Chase, that Chase had made yet another problem for me, for no reason other than their internal poor management and error. There was no change necessary as my routing number never changed, it was the same all along. So all the worry, time, phone calls, visits to branches, etc was for NOTHING! For this reason, I ask Chase to provide me some remuneration for all this time and effort and ask a {$100.00} gift card/deposit made to my checking account to make things right. Please let me know as soon as possible. Also, of great importance, please let me know what internal controls have been put in place so that Chase does not put me through further hassles. Please let me know as soon as possible. XXXX XXXX
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Abbott Osborn Jacobs PLC (IA)

I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
Consumer complaint received 2016-02-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, XXXX I found out that Capital One bank put hold on all checking account I had. I immediately contacted bank via secured chat because I can not reach anyone over the phone. My depost {$240.00} showing totally unavailable which make me extremely upset due to terrible banking experience with this bank before. I had made several complaints against this bank due to stole funds against my will on XXXX XXXX, XXXX for total {$80000.00} plus all lost interest earning for 2.5 years total {$8000.00} and travel expense to branch 7 times to collect stolen funds. This bank never change its stolen nature. I as consumer has great concern regarding the safety of my deposit. Most recently I sent two messages to this bank to ask my stolen funds, but I can not get any assistance. On XXXX XXXX, XXXX I notified this bank to return all my deposit plus stolen funds in XXXX XXXX, so I can close my accounts to end this terrible banking experience with Capital One. However I was directed to call Fraud Dept. I indicated to bank rep that my deposit had no fraud, and I do not want to continue my deposit simply because the prior terrible experience in XXXX XXXX as reported several times to CFPB for immediate assistance. Now 2.5 years passed, I can not release my pain, suffering to lose my savings to a theft XXXX XXXX who I do NOT authorized at all. I once again to ask all my deposit back plus stolen funds in XXXX XXXX, so I can discontinue my terrible banking experience with Capital One.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i have already file a complaint with cfpb but Bank of America the person handling the complaint her name is XXXX please stop giving me the run around when i spoke to you the other day you only answer to one question of why my payments went up {$800.00}? the problem happen 2years before that when Countrywide Mortgage without telling my family or sending a letter that this was going to happen. when the question was asked they gave me the run around.never gotten the truth.So answer this question XXXX XXXX if Countrywide Mortgage had me paying wrongful fees paying for repayment plan of added fees knowing that they were being indicted for Mortgage Fraud and making me pay for a program that knowing wasnt going to help my family why did they this? tell me that XXXX XXXX and if Bank of America brought Countrywide they brought all of there wrong doing it seem that all the rich investers got paided but my family the poor didnt get compensated check out the cashiers we sent to Countrywide that we were paying to them am tired of this am total disable now an yes Countrywide am so XXXX and XXXX due to this talk to as if i was part of your family you have know ideal what ive been through XXXX XXXX.All i want is all the wrongful fees late charge the judgment repossession. This was wrong.AND XXXX XXXX there is one more thing on XXXX/XXXX/2009 Bank of America after Countrywide did all there wrongful doings i called Bank of America and this was there offer please investigate this is the LOCK-IN AGREEMENT that you offer my family. This is the Loan # XXXX that Bank of America gave us. OK we thought this would help but no XXXX/XXXX/2009 Bank of Amertica after me calling them they sent my family a letter saying they were unable to approve my request this knock me too the floor. am tired of writing Please talk to your C.E.O.XXXX
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 Account XXXX Date of Charge XXXX Amount : {$0.00} 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.
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

it is the same complaint, againnothing ever gets done with Bank of AmericaI get a run around, and always gets sent a large service call centerI am told I am talking to the office of the president of Bank of Americathis is not true, it is a call centerI am told one person is handling my issues, that is not trueIt is the same run around time after timeI need real help. 

Bank of America does not want to resolve any issuesPlease get me to someone who actually can do what they say and is actually in authorityNot an underlings from a call center who has the purpose to stall delay and not do anything to helpXXXX