davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (GA)

I am making a dispute against  Medical Data  systems in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request f or VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to m y credit reports (  XXXX ,  XXXX , and  XXXX   ). This action constitute fraud under both Federal and State Laws.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Credit Collections Service has failed to provide any documentation giving them the legal right to say i owe them an alleged debt in the amount of {$160.00} and to respond to my cease and desist notice sent on XX/XX/XXXX to an address specified herein. Credit Collections Service has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX, and XXXX without my consent tarnishing my character and general reputation. Credit Collections Service has abused and deceived me into believing that I was obligated to pay this alleged debt. Credit Collections has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my Chase checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX XXXX XXXX for {$7500.00} ; and one to XXXX XXXX for {$5300.00}. I initially planned on going to my branch the next morning, but then, in the wee hours of XX/XX/2017, decided to call Chase 's XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed the bank would make good on these fraudulent payments, but the Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My Chase banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX XXXX from Chase 's Executive Office, who told me he would investigate my claim. XXXX XXXX concluded that Chase 's position of denying my claim was unchanged, BUT AS A COURTESY, they requested XXXX XXXX XXXX to reverse the online payment, which XXXX XXXX XXXX did, and I recovered that {$7500.00} payment. He said they were not given the option to reverse the payment to XXXX XXXX for {$5300.00}, and suggested I pursue that payment on my own, and he provided me with the XXXX XXXX account number for me to approach XXXX XXXX about the fraudulent payment. Since then, XXXX XXXX has not helped me, but they did say the account number I provided was a valid account. AT THIS POINT, I 'M CAUGHT BETWEEN CHASE AND XXXX XXXX, AND AFTER A 3-WAY CALL WITH BOTH BANKS ON XX/XX/XXXX, CHASE SUGGESTED I CONTACT AN ATTORNEY IF I NEEDED MORE EXPLANATION. In other words, each bank was confident they need not do further for me. The representative named " XXXX '' from XXXX XXXX Executive Services Dept. gave me an email address at XXXX XXXX for law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. that was assigned my case ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (VA)

In the summer of   XXXX    one  of my friends told me about a special offer  Barclay 's Bank of Delawa re was offering to  XXXX   XXXX  military fo r its Gold Card  credit card. I contacted  Barclays to inquire about the special offer and the woman I spoke with confirmed that Barclay 's  was waving the annual fee for all  XXXX   XXXX  military who qualified for the credit card. As part of the offer  Barclay 's  was also offering 0 % interest on the balance of a card. I applied for a card for me and another for my spouse. As part of the application, I sent a copy of my most recent  XXXX  to prove my  XXXX   XXXX  status. Within a couple of weeks, I was approved.     The welcome aboard letter assured me tha t Barclay 's  would continue to wave the annual fees and maintain 0 % interest on my account balance as long as I was on  XXXX   XXXX . However, earlier this month , Barclays sent  me a letter informing me that they would no longer wave the annual fees and I would have to pay the annual fee beginning in  XXXX . I immediately called  Barclays  and after some discussion with the customer service representative, closed my account because I did not want to pay the annual fee.     In hindsight, I should have immediately filed a complaint agains t Barclay 's for breach of contract and waited for resolution before closing the account. However, by refusing to wave the annual fee,  Barclay 's altered the agreement we had when I was approved for a credit card.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

I had  XXXX  different lenders access my Experian credit report. There is incorrect informatio n (  year of birth, liens that do n't reflect that they are paid, only a few of my open accounts listed ). I pulled my report from experian.com on  XXXX / XXXX /  XXXX   and saw this for myself, so I contacted Experian. Wh en THEY p ull my report, they say that none of that incorrect information shows up on their end. They then sent me a copy of that report by mail, which also does n't show the information the lenders and I had accessed earlier. I corrected some information on this " current '' report, and was told to wait a few days and re-access it online. I pulled it again on  XXXX / XXXX /  XXXX   and all seemed to be fixed. However, another lender pulled my report around  XXXX / XXXX /  XXXX  , and they again saw the " incorrect report ''. I believe somehow that I have  XXXX  different credit reports, but no one at Experian can " see it '' to help me fix the information on the incorrect one.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

This company Credit Services has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without fisrt trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. I submitted to Credit Collections services a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Credit Collection Services eill be name as litigants in my upcoming FDCPA / FCRA lawsuit.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I canceled my allstate insurance policy originally on XXXX to be effective XX/XX/scrub>XXXX  The policy was never canceled and I canceled again on XX/XX/scrub>XXXX  again effective XX/XX/scrub>XXXX Per the documented chats, it was to be canceled. I never received anything more from XXXX until I received a collection notice for {$1300.00} on XXXX  I sent the required documentation, including screenshots of the chats from both dates and the new declaration page to the collection company. I didn't receive a follow-up email or call so I called them this morning. I was told, by XXXX, that the money was owed because I didn't give 45 days written notice to XXXX to cancel my policy- which is wrong. I told her this and she said that she would speak to XXXX and put me on a XXXX minute hold. She came back and said that she was correct and I owed the money because of the lack of notice. I explained that is not how insurance works, and legally I don't have to give 45 days notice- and per the chat history that I sent her the XXXX agents I chatted with said nothing regarding this made up policy. I was informed that if I paid today that she would graciously take XXXX % off the balance owed. I told her I would not be paying this and asked who I needed to speak with at XXXX. She told me that they wouldn't speak to me because it was in collection. I called XXXX. It was an error on their part and I do not owe the money- nor do they have a 45 day policy to cancel.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

Credit Collections keeps updating the information on a paid debt from XXXX. It keeps changing the closing date for some reason on my reports. It was closed years ago. Stop updating the information erroneously. Also, I live in the state of Michigan and I could not find a license for Credit Collections on LARA which is the states licensing department. I want proof they are even able to report items on credit reports in Michigan.
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My husband and I have a mortgage with Chase bank. They collect money and hold in escrow to pay our taxes and homeowners insurance. 
- On or about XX/XX/XXXX, I called Chase to ask them to pay a supplemental tax bill in the amount of {$2000.00} from our escrow account. They paid it. 
- In addition, they paid a second supplemental tax bill in the amount of {$11000.00}. They paid this without our consent, authorization, or knowledge. 
- This payment resulted in a shortage in our escrow account of - {$4200.00}. 
- Our monthly payment includes {$1100.00} in escrow collection, so by maintaining our regular payment, we would replenish in the 4th month - so by XX/XX/XXXX we would be positive. 
- However, they made an error in our escrow analysis. They accounted for paying the taxes they had just paid ( a payment in XX/XX/XXXX and XX/XX/XXXX ). Taxes are paid in full through XX/XX/XXXX. 
- Based on that error in escrow, they recalcualted our payment to {$6800.00}, {$1000.00} higher than our regular payment. 
- We paid our XXXX payment on time in the regular amount of {$5700.00}. Chase will not process it, because we did not pay the additional {$1000.00}. They are instead holding our money in a " suspense account. '' **How is it legal to refuse to apply our money to our mortgage account?? 
- I have called 4 - 6 times. Chase understands that no taxes are due until XX/XX/XXXX. They understand the escrow analysis is inaccurate. 
- I called again yesterday and was told they will report our mortgage as unpaid. We will have a mortgage late on our credit, which will RUIN our credit. 
** Chase is holding our FICO score hostage to collect money that is n't required. The errors are on their end, admittedly.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CT)

Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Consumer complaint received 2017-11-25
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: GREAT LAKES (OH)

XXXX XXXX XXXXr XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of Great Lakes inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and XXXX.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

Ive disputed transactions twice with Citibank. First, they denied my claim because they said they couldnt reach me, even though I left several voicemails through my relay service ( Im XXXX ). The second dispute was denied because they said the fraudulent transactions are consistent with my prior transactions. Umm, if they looked at this claim at all, they would know that Ive never used this account/debit card for ANYTHING. Every transaction on the account is fraudulent. There is no prior banking history. They obviously havent done their job. Im attaching the denial letter to this claim. It details the disputed items.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MAKE OATH AND SAY THAT : I am a victim of identity theft fraud and have been since XXXX. This has had a profound impact on my life. I have had numerous accounts added to my name for debts that I did not create. The suspect used various names and addresses that are not tied to my name, and this information needs to be removed because I am a victim of identity theft fraud. Please do not open any accounts without contacting me first at ( XXXX ) XXXX. The suspect has used fraudulent addresses for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. None of these fraudulent names or addresses belong to me. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have filed police reports stating this address is fraudulent. The person was able to fraudulently obtain fraudulent accounts from XXXX XXXX, XXXX XXXX XXXX, CREDIT COLL XXXX. I never authorize anyone to use my information fraudulently to obtain these accounts. I have been a victim of fraud since XXXX  and someone has opened numerous accounts that does not belong to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (MD)

In XX/XX/2024, credit collective services added a deragatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred/sold and I an no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill. According to FCRA, credit collective services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section  623, subsection ( 7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FCRA  623 ( 8 ) ( E ) ( iii ) e stablishes a time-frame for these issues, and that section  621 of th e FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I HAD  XXXX  CAPITA L ONE CREDIT  CARDS COMPROMISED DUE TO IDENTITY THEFT. WHEN I CALLED  XXXX  APITAL ONE AND LET THEM KNOW I WAS NOT THE ONE THAT REQUESTED THE NEW CARDS OR CHANGED THE  ACCOUNT INFORMATION THEY TOLD ME THAT THE FRAUDULENT CARDS WOULD BE CANCELLED AND NEW CARDS ISSUED TO ME. THIS WAS ON  XXXX  -2017. THE NEXT DAY I REC EIVED AN EMAIL THAT THE BALANCE OF  XXXX  OF THE CARDS HAD BEEN PAID IN FULL. THE ACCOUNT THAT PAID THIS WAS NOT MINE AND I ASKED THAT THE PAYMENT BE REMOVED DUE TO THE PRIOR DAYS EVENTS. THEY SAID IT WOULD JUST FALL OFF THE ACCOUNT IF IT WAS NOT A LEGITIMATE PAYMENT. THEN I RECEIVED AN EMAIL FROM THEM SAYING THAT MY NEW CREDIT CARDS HAD BEEN SHIPPED VIA   XXXX   XXXX    XXXX . WHEN I TRACKED THE PACKAGE THEY WERE SENT TO THE FRAUDULENT ADDRESS IN  XXXX   XXXX  FL AND SIGNED FOR BY  XXXX   XXXX . I ASKED THE FRAUD DEPARTMENT HOW THE CARDS COULD HAVE BEEN EXPRESS SHIPPED AFTER THEY TOLD ME THE CARDS HAD BEEN CANCELLED. THEY TOLD ME THEY CAN ONLY DO ONE CANCELLATION IN A  24  HOUR PERIOD. THEY HAD NO NOTES THAT THEY HAD EVEN SPOKEN WITH ME ON  XXXX  -2017. THE O NLY CARDS OF MINE THAT WERE COMPROMISED WERE ISSUED BY CAPITAL ONE AND I 'M A BIT CONCERNED THAT IT COULD BE AN INTERNAL ISSUE.
Consumer complaint received 2017-11-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been trying to resolve this matter with a loan modification or other loss mitigation options. I submitted a loan modification package and have n't received a response as yet. My home was tied up from a divorce matter and my initial hardship came from an illness that left me physically incapacitated for awhile. I was unemployed for some time as well. I have recovered and can workout this matter. 
In XXXX, my home was damaged significantly from Hurricane Irma and I have a pending Insurance claim that my lender is aware of and I 'm not able to have fair, due process if there 's a pending foreclosure sale date. I also have a pending FEMA application open. I want to resolve my situation, but there are so many inaccuracies with the accounting and even escrow balance/transaction history on my account. I sent out a Qualified Written Request letter and have n't received a response as yet. Their attorneys are n't forthright and I 'm fighting several battles that could be resolved if I can have my lender actively involved with the resolutions. Instead their attorneys are making claims that there is no insurance or FEMA claim open and it was closed out in XXXX-when this is n't true. 
I 'm also fighting against the attorney 's unscrupulous tactics to close a file. This is my homestead. If I could gt the lender involved to engage in the workout/mitigation process then I am sure, we can have a mutual resolve. When there 's a constant sale date rescheduled every 30 days, it 's impossible to have the lender review my paperwork because of their internal procedures and timeline required for the State of Florida.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CO)

1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the