davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

The original creditor was  XXXX   XXXX  and my limit on the card was {$300.00}. I charged {$300.00} on the card in  XXXX   XXXX  and missed my  1st  payment and was charged a {$25.00} late fee. They closed my card in  XXXX   XXXX  without giving me the chance to pay it. Then I received a bill for {$640.00} from  Midland Funding.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

XXXX  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to  XXXX . Our attorney opened a motion with the courts and  XXXX  then removed the impound account. Looking back at our monthly payments with   XXXX   during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward  XXXX   sold to Green Tree and then to Ditech. O ur final payment to  XXXX  was on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with  XXXX ,  Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a   payment was missed. It all started during the escrow impound account that   XXXX    imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in   XXXX  . Please review proof of payment history and Bankruptcy documents.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019, BANK OF AMERICA let a fraudulent {$120.00} charge from XXXX XXXX XXXX XXXX XXXX, NJ ( reported by XXXX XXXX XXXX as having been labeled suspicious 50 times ) slip through on to my Visa account. Before I was even aware of it, BOA placed my account on hold and sent me a new card number, because they knew it was fraudulent. When I followed up with a fraud claim, they changed their story and denied it. I paid off all the legitimate charges, while the balance at issue started to grow because of interest and late fees. Through my credit union, I was able to claw back an Automated Clearing House  payment and permanently bar BOA from collecting any more. On XX/XX/XXXX, I sent BOA a certified letter threatening legal action unless they cancelled the charges and closed my account. XX/XX/XXXX and XXXX, they sent replies assuring me that both had happened. Yet they sent me an XX/XX/XXXX statement showing a supposed remaining balance, and my credit rating has taken a hit because BOA is now an adverse account. You want a fight, BOA? You got one!
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I made a deposit to the amount of {$2000.00} on  XXXX   XXXX ,   XXXX  , and was credited in error only {$20.00}. I received a letter dated  XXXX   XXXX , that the issue was resolved, and I will receive credit of {$1900.00}. On  XXXX   XXXX , I received another letter saying that they will reverse the credit as it was given in " error ''.   After many phone calls I personally went to the bank today, and spent  two  hours there, and still have not resolved this issue.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.
Consumer complaint received 2017-06-14
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: U.S. BANCORP (NM)

To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  XXXX
Consumer complaint received 2023-04-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.
Consumer complaint received 2017-06-13
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. (GA)

I previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.
Consumer complaint received 2020-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX, like 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Consumer complaint received 2019-10-11
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: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX   TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card from XXXX/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX TransUnion,  and XXXX/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020, stating my credit limit on my card was reduced from {$10000.00} to {$5000.00} " to better fit my usage. '' I called this bank at approximately XXXX XXXX central time and spoke to XXXX, the supervisor. When I requested him to pull credit to re-establish credit worthiness because I wanted my credit limit put back to {$10000.00} due upcoming expenses i was planning on using the card for, he denied my request and stated I would need to wait 6 months to be eligible to pull credit and apply for credit limit increase. His employee ID is # XXXX and the case # is XXXX. 

I called back at XXXXXXXX XXXX  on XX/XX/2020 and spoke to XXXX, who is another supervisor. She stated the same details as XXXX. Her employee ID is # XXXX and the case # is XXXX.
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (OH)

I received a copy of my credit report from all 3 bureaus ; XXXX, XXXX, & XXXX. I noticed that there was a collection account listed from Calvary Portfolio Services. I immediately sent them a debt validation letter. I received a letter back stating they received my request but my request didnt have specific facts for them to investigate. In return, I sent them a letter stating since they can not verify this debt, then by all means they have to delete it. They were trying to use a stall tactic. The day I sent out my 2nd letter, I received another letter from them stating they verified this debt and that it is in fact mine with an attached monthly billing statement from 2018. This does not constitute proper validation. They still have not deleted the unverified debt & tare still continuing to report it to the credit bureaus.
Consumer complaint received 2019-10-11
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: SYNCHRONY FINANCIAL (NY)

I am writing to you regarding a disputed charge on the referenced account. I ordered a bedroom set from a merchant " XXXX XXXX '' on XXXX/XXXX/2019, and they charged my " Synchrony Home Credit Card ''. I was promised delivery for the Bedroom Set on XXXX XXXX, 2019. 

First and foremost, XXXX XXXX was not authorized to charge my account until the merchandise was confirmed in-stock and ready for shipping. 

On XX/XX/XXXX, I was I was informed that the set was delayed until XX/XX/XXXX, then subsequently was told that they were unable to deliver the set as it is no longer available. 

I told XXXX XXXX, to cancel this order, and issue a refund to my Synchrony Home Credit Account, which should not have been billed in the first place, as they sold me furniture that was not available. 

On XXXX XXXX, 2019 I went into the store and they told me that they processed a full refund to my Synchrony Home Credit Card Account. After multiple calls to the store and Synchrony Bank, XXXX XXXX was telling me that they submitted the refund and placed the blame on Synchrony Bank being slow to post refunds. Synchrony Bank advised me that there was no refund issued, not was any refund pending. 

As a result, I disputed this charge as the merchandise was never delivered as promised and no refund was ever issued. Further, XXXX XXXX was not authorized to charge my card, until the merchandise was shipped. 

Synchrony bank closed the dispute in the merchant 's favor stating that they issued me a refund on a different credit card which is untrue, and the merchant nor Synchrony Bank are able to provide any supporting documentation.
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

On Wednesday XX/XX/XXXX I transferred money between my two Cash App accounts. I tried to access my secondary account but it made me create a new username for the account instead of letting me in. I have contacted support on every form of social media and emailed multiple times.Ci have received no reply beyond an automated message telling me I will be helped soon. Hoardes of people across social media are having the same problem and they have not responded for over 10 days to anyone. Cash app is blatantly stealing and not returning thousands of dollars from its clientele using this trick and needs to be stopped.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on  XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it  but it should not take 85 days and counting.  XXXX  also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law  XXXX   XXXX .
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc (CA)

I received a call from AD ASTRA RECOVERY SERVIC about a debt I was not aware of. It does not belong to me. When i questioned the man on the phone he began yelling at me, telling me I was using COVID19 as an excuse not to pay debts, told me I was a XXXX and low life and people like me are the reason for problems today. I am not sure what the debt it for as t does not belong to me. I have tried to get information from the three credit bureaus as well as the agency direct. The credit agencies don't seem to address my issues with the profanity and lack of communication, nor with the premise this debt does not belong to me. The creditor has not responded to two letters I sent asking for written information about this debt. They have previously called several times a day starting at XXXX XXXX and continues every hour or so until about XXXX XXXX XXXX.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Reduced my credit limit on my Capital One card which I have had for 15+ years from {$30000.00} to {$10000.00}. I have had no changes in credit scores or payment history. Talked to two different representatives and two different supervisors on XX/XX/20 and was told reduced because of only using a portion of my credit limit. I received said email on XX/XX/20 explaining the same. They also indicated there was no appeal process and there was nothing they could do to assist me other than document in my record the concerns I indicated to them on the phone. 

I requested they return my amount to {$30000.00}. I requested an appeal of this process. I indicated I was also concerned because I just turned XXXX and they seemed to be coincidentally using my age against me. Most importantly, this decision makes no financial sense to me what so ever. It also seems very unfair to not have a formal appeal process to resolve said issue.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCOUNTS THAT NEED TO BE DELETED FOR FRAUD XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( AUTO ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (TX)

Hello, I have a loan with ECMC currently and I'm in Chapter XXXX until next month. 
I have attempted to find out what my options are regarding decrease/pause on interest accruals and have only been slapped down by ECMC with any attempts I have to try to reduce my burden after my bankruptcy is complete next month. 

While the rest of the nation enjoys no interest and no student loan payments I'm still throwing money away. I have paid in over XXXX during my bankruptcy but while ( exorbitant ) interest is still accruing no one is willing to assist me in helping me reduce my loan debt.

Obviously I have no issue trying to repay my loan but I'm also at the end of my rope with ECMC who cares little about my mental or financial well being. 

I've contemplated what I might do if I'm unable to resolve this and move on with my life and should anything happen to me it will certainly be because of ECMC and the ridiculous interest rate and unwillingness to assist me in reducing any of this. 

I'm going to reach out to my senators and state legislature members as well because I need help and I need to know help will be there when I come out of bankruptcy next month. 

Thank you, ECMC XXXX
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (NJ)

A company call ed Vance Huffman licens e number  XXXX  called and attempted to collect on a credit card account from  2003  that was paid in full with the company   XXXX   XXXX   via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (IN)

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.