davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

I contacted the company in XXXX and early XXXX seeking a way to work things out. 

I was informed by XXXX seeking to cut a deal with me to buy the home that it was in foreclosure and a sale date was set up. 

PHH says that an attorney sent me a demand letter but I haven't ever got a demand letter. 

I sent in a complete package to PHH by fax on XX/XX/XXXX and asked them to consider a forbearance or workout plan as for I have a contract closing in XXXX/early XXXX that will pay the loan current. 

I spoke with XXXX XXXX, a relationship manager, on XX/XX/XXXX and told him about a PHH letter to me on XX/XX/XXXX that I got in early XXXX. 

The letter says they have to look at all options with complete data by XX/XX/XXXX. 

I'm afraid the lost letters from an attorney, the timetable PHH gave me, and a time to cure the deficiency will case me to lose my home to gentrification. I've been a homeowner for 25 years.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (CA)

I was expecting for a check that I never received, because someone stole it. 
I called the two banks, and no one takes responsibility, the Discovered Bank said I have to call XXXX and the XXXX that I cant make the claim I can not understand how the back could cash it with out my ID or signature on it.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was traveling across the country on XX/XX/XXXX when my card was used in my hometown at an ATM to withdrawal {$300.00}. I had the physical card with me in a completely different state almost 3000 miles away. Capital One let the charge go through and also charged me a {$10.00} ATM fee. I have been a Capital One customer for 15 years and I have never used cash advance and do not even have a PIN associated with my account. I called Capital One and they reversed the charges. It is now XX/XX/XXXX and they have reinstated the charges, claiming it was not fraud. I spent 2.5 hours on the phone with the company and was transferred to several supposed Account " managers '' all with common names like XXXX and XXXX. They claimed that I requested a new card the day before I left for vacation, which I explained this is my only credit card and that makes no sense that I would request a card to be sent to my home address when I am 3000 miles away with no other form of payment. Also, this is the first time I had heard that " I '' requested a new card and have no email notifications or account notifications from CapitalOne of this request. I also stated I never received this supposed card and they flat-out told me that I did receive the card, which is essentially calling a loyal 15-year customer a liar. I filed a police report about the fraud and informed capital one, and they said there's nothing they could do about it. I asked to be transferred to their legal department. They put me on a 20 minute hold and came back and said they could not transfer me. I work for a XXXX XXXX and have now sent a certified letter to the president of Capital One. I am simply asking for {$310.00} fraudulent charges to be erased from my account, and am in-turn being called a liar and being told there is nothing the company can do. I have sent proof that I was in a different state and have filed a report with the FTC and alerted the credit bureaus. Capital One is refusing to do anything about the fraudulent withdrawal, the ATM fee, and the card they supposedly sent to me that I did not request.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is  wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g.  validation of debts 5 ( b )
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Talbot, Adams, & Moore, Inc. (TX)

AS I HAVE PREVIOUSLY REQUESTED TALBOTT ADAM PROVIDE ME WITH A COMPLETE DETAIL OF ITEMS I PURCHASE REGARDING THIS DEBT I AM BE ACCUSED OF. I NEED A DOCUMENT WITH MY SIGNATURE STATING I OWE THIS MONEY TO TALBOTT IN THE AMOUNT OF {$450.00}
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

this credit card has been billing me and has never itemized the charges as I have been requesting for 2 years multiple times. When I call them they leave me on " hold '' and never return. They are hurting my credit score and now threatening to send the bill to a collection agency.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (CA)

I have contacted XXXX numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called State Farm Bank nor gave anyone else the permission or the authorization to use my information. I have contacted XXXX  to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. XXXX   never conducted a proper investigation. I have requested their method of verification from XXXX   and from State Farm Bank but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with State farm Bank is a result of mail fraud, please help me resolve this misunderstanding.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

XXXX for years has reported a foreclosure that I had from Chase Mortgage ( JPMC ).  As of the credit report dated XX/XX/XXXX it showed the foreclosure from XX/XX/XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, XXXX has this account listed twice. One as paying late under Chase Mortgage XXXX true ) and another under JPMCM showing the foreclosure ( true ). The account on XXXX looks like two different negative reports. I have gone through the dispute process and have gotten nowhere. Basically Chase bank is re-reporting my foreclosure from XX/XX/XXXX in XX/XX/XXXX. XXXX tells me it's Chase doing this.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

Experian has a security freeze on my credit report and will not remove it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a real person on any of Experians contact numbers. I do not feel that a company that is headquartered in XXXX should be able to operate in this country without a phone contact with real people who have the ability to resolve issues. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX email : XXXX phone : XXXX
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo credit card bill due date is XX/XX/2020 XXXX ( bank providing our checking/saving accounts ) remitted payment on XX/XX/2020 to arrive by XX/XX/2020. 
Wells Fargo claims payment not received until XX/XX/2020 and charged late payment fee of {$38.00}. 
Call placed with Wells Fargo on XX/XX/2020 to dispute late payment fee, as payment should have been received on time. Wells Fargo refused to refund fee, and was escalated to manager who also refused to take this action.

We question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, we find it hard to believe that it would take longer than 6 business days for delivery of payment between XXXX and Wells Fargo. We believe this is a tactic on behalf of Wells Fargo to encourage consumers to leverage their own bill pay services instead. This was evidenced by the fact that Wells Fargo manager encouraged use of their own services, and advised that bill should be paid in advance of due date instead. 
To date, we have leveraged bill pay services with XXXX for over 15 years and this is the first instance of a payment not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.
Consumer complaint received 2019-10-09
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: EQUIFAX, INC. (FL)

On XX/XX/2019, I filed a dispute with Equifax, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, Equifax has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, Equifax has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my Equifax report : XXXX XXXX # XXXX XXXX (  XXXX )
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I completely removed freeze some time ago and then i go to get pre qualified for a mortgage and find out that a freeze is on my transunion credit report. I tried accessing online and after i put in all of my correct identifying information, their systems gives out error messages so i cant access my information from their website or over the phone. I cant lift the freeze they placed on my credit report because i dont have a pin number. They are holding my info hostage from me ( the actual person ) instead of the frauds in america.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (WA)

I keep getting robocalls from a supposed debt collector from a local area code. I get a robo message instructing me to call a toll free number, not the number they are calling from noted on my caller ID. 

More than likely a spoofed number and a phishing attempt for personal information for ID theft.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian for years has reported a foreclosure that I had from XXXX XXXX ( XXXX ). As of the credit report dated XX/XX/XXXX it showed the foreclosure from XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, Experian has this account listed twice. One as paying late under XXXX XXXX  ( true ) and another under XXXX showing the foreclosure ( true ). The account on Experian looks like two different negative reports. I have gone through the dispute process and have gotten nowhere.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

On or around XX/XX/XXXX I chatted via phone with a rep., while making a XXXX purchase, about a promo offer that I believed to be 0 % because that was the offer I had last seen for my card on the account. I was assured the offer was active and approved so I made my purchase. In XX/XX/XXXX I became concerned because I was still receiving offers and more importantly the offer I approved was not displaying on my end. So I chatted online again on XX/XX/XXXXwith " XXXX '' who assured me yet again that the 0 % offer was active and that I would see it in my next statement. On XX/XX/XXXX the statement still didn't show the offer so I chatted again with " XXXX '' who said the offer was active but not " 0 % '' but 3.99 %! I was then patched to " XXXX '' who notated the account and flagged it for verification of rate and told me to call back in 48hrs. XX/XX/XXXX I spoke with XXXX who restated the rate was 3.99 % not 0 %. I asked for a supervisor. XXXX reiterated this and said " there was no way to adjust the offer because I accepted the 3.99 % not 0. I tried to tell her that my understanding was the 3.99 % was for another Citi card I have and why would anyone do so for such a large purchase? I asked if the current offer on my account could be applied and was told " No ''.  There's nothing else we can do. This is unacceptable to me. Why would I want to pay interest for a purchase when my standard is to pay in full. I only use promos that are 0 %. I feel the least they could have done was applied the offer as I originally understood it to be 0 %.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (SC)

Northstar Location Services have called and harassed my family daily. Today on XX/XX/20 they called my mother 3 times. Once she answered they stated they were looking for me and told her that they were debt collectors and disclosed to her how much I owed. Provided her information on my account. Which is so embarrassing. My family lives 900 miles away and this company calls them daily. They have also spoken to my brother aggressively about speaking to me. They have also left my sister voicemails. Disclosing how much they are seeking are a violation of the law. Providing them information and not to me is against the law.
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (WA)

Two companies TEK Collect Inc. phone # XXXX {$490.00} and XXXX XXXX phone # XXXX XXXX XXXX {$450.00} I , XXXX XXXX have called both companies to clear up this on credit report. 
they are reporting to collect a medical debt that doe not belong to me. The debt belongs to son XXXX XXXX age XXXX. I was ask by my mortgage lender to clear this up to get a mortange that is currently in the works. It is effection my credit score. Both companies said '' either they could not give information on the debt. '' please call me XXXX XXXX or XXXX. 
I do not have account information. I tried to call and get this information XXXX said they could not find account and TEK said my son had to call which he did and they still did not release information. 

Please help very frustrating, Sincerely, XXXX XXXX XXXX WA
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2020 I spoke with Capital One employee XXXX, employment XXXX regarding Capital One Bank using the incorrect code and not accepting document under MasterCard Charge back Guide concerning multiple transactions with XXXX card under MasterCard Charge back code XXXX. 

Capital One Bank are refusing to submit my email to XXXX as supportive documents to Master Card under the attach guide which is attached see page 98-100. 

The transaction done by XXXX are fraudulent transaction under MasterCard Charge back Guide line.