davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Adjusters, LLC (IL)

National credit adjusters got this debt firat and then sold it to XXXX and then sold it to XXXX. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in XXXX day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (WI)

My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. 
I seen well before I decided to step into these people offers something is a miss. 
First off this debtor stated they gain 200 % profit on that money. 
Second if this is allowed, why do you folks allow such practice? 
Finally, I will also suspect a change of hands in finance institutions as a form of power gain. 
This means my credit is out in the open for any type of predator/power grasp to push out to happen. 
This means you folks are not doing your job to protect the consumers and citizens of this country. 
You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. 
Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. 
NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. 
Fix the problem XXXX
Consumer complaint received 2023-08-05
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. (TX)

Experian has continued to report inaccurate account, personal information, and hard inquires despite my endless efforts of informing them it's not mine and never was, also all the different XXXX names they allowed creditors to run without my permission not even having the correct information or person information. 

Collection Account is not mine never even had a XXXX XXXX ever in my life nor gave anyway permission to obtain credit using my personal informantion. It is being reported now as Collection Account Name " XXXX XXXX XXXX XXXX '' {$980.00} balance and the address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have spoke directly to this debt collector and they continue to state Experian can delete this off and can not help me. Also, there's 3 hard inquires on my Experian Credit Report I don't recognize nor give these companies permission to use my personal information. 

Hard Inquires that are Fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inq Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inquire Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Hard Inquire DateXXXX
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (NM)

National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC (NY)

I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
Consumer complaint received 2016-05-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.
Consumer complaint received 2023-08-05
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. (MD)

I have never opened a loan with XXXX. I only had a XXXX XXXX XXXX which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was XXXX  days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held hostage and my credit continues to suffer.
Consumer complaint received 2024-08-13
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. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WY)

I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (WI)

I NEED TO KNOW IF THERE ARE NEW FEDERAL LAWS THAT STATE SOMETHING TO THE EFFECT OF HOW LONG A PAID MEDICAL COLLECTION CAN STAY ON YOUR CREDIT REPORT AND WHAT STEPS I CAN TAKE TO REMOVE THIS FROM MY CREDIT REPORT?
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC (MD)

On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Capital one charge off, XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Inclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

I placed a previous complaint with about Citibank ; in that complaint CitiBank addressed my XXXX XXXX XXXX account that has nothing to do with the Macys Department Store account I asked about and was never addressed. Effective with my XXXX billing CitiBank went up to 31.74 % interest. Thy have retroactively added {$650.00} to my account on a purchased made in XXXX. I have not made a Macys purchase since XX/XX/XXXX, when the interest rate was 30.24 %. 

There is no justification for XXXX interest rate to continue climbing when I pay my bill every month on the XXXX and the amount is debited from my checking account the minimum amount plus {$200.00} per month. I have not missed a payment neither have i ever been late on a payment since receiving this card in XXXX. 

There is never been ever a letter telling me my interest is increased not giving me an opt-out option. As you can see from the billing statements uploaded I have never missed a payment on my Department Store Account> Citibank must be investigated for retroactively adding previously purchased items to get a large interest rate that isnt unjust and against consumer regulations. 

As a result of this complaint, I ask that CitiBank com into compliance with consumer regulations and roll back the 31.74 % interest as I have not made any purchases from Macys Department store account. I will pay them off but how can I when they keep increasing my interest rate unjustly and charging me for purchases made in XXXX
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates have XXXX accounts in my name that are old - and if I did owe the debt was covered by a Chapter XXXX of mine. But they say I owe money on XXXX accounts but can not verify how I owe the money. I have asked for verification and a bill of particulars which that have never provided me in my local district court. Also I have called to handle the dispute - no one will give me a fax number or email address. I have been getting the run around on debt I do not owe.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

Hello, I 'm a XXXX and a new Chase Bank checking account customer. I was familiar with the case against XXXX Bank XXXX. in which they failed to correct deposit discrepancies below a certain threshold, resulting in millions of dollars in lost funds to depositors. Today I received a notice with my bank statement from Chase informing me that there were going to be changes to my account terms. XXXX of them included a statement that any deposit slip discrepancies below {$10.00} would not be corrected unless they were found by the account holder and reported within a certain timeframe. This would result in the same situation that occurred with XXXX Bank XXXX. I submitted an email to Chase, and included a link to the press release for XXXX. I have only made XXXX in-person deposits to my Chase account, the rest have been electronic. XXXX deposit was made via their ATM, and it did not have an option to use a deposit slip or a deposit envelope. The deposit amount was determined via an internal scanner. There is also no envelope for depositing cash, you just feed cash into the machine. Due to potential mechanical failure, I have chosen not to deposit cash through this machine. I prefer to have a sealed envelope, with no risk of comingling of cash that might make it impossible to fix a system glitch. Additionally, I prefer to calculate my deposit and write in on the envelope. I understand that there is a risk of fraud by consumers who deposit empty envelopes, however, if you are n't going to correct discrepancies and rely on a computer to complete the transaction, then there is a much greater risk to consumers, as proven with the case of XXXX Bank.
Consumer complaint received 2015-05-29
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: Sterling Infosystems Inc. (CA)

I am submitting a complaint in regards to a background check performed by Sterling Infosystems. I had recently applied for employement with XXXX for a warehouse job in thier XXXX California location. Staff Management/XXXX is the contracted company used for hiring process. I qualified for every step in the process until the background check. Sterling Infosystems is also contracted to do the background check. I recieved an email and regular mail copy of the background check and the " Notice of Adverse Action '', disqualifying me for employement. The " Criminal Background Check '' information was correct. The problem was that this information was not only misinterperated but due to the in ability to read and understand the court doc info the agency or Staffing company both tagged the information as " High Risk ''. The court dcoument were transcribed, are not an Official Signed copy of the original court docs. Sterling Infosystems claims that there are XXXX ( XXXX ) seperate charges of a XXXX ( c ) XXXX, that is incorrect. The information shows XXXX Docket/case numbers which represent " Transfer of Juricdiction '' from XXXX California to XXXX California. This is due to my moving to another county. The Incidents are the same within 1 day, again typo error. In the " Additional Information '' field you see the transfer to XXXX XXXX but is the same case/charge. Both Sterling Infosystem and StaffManagement XXXX were made aware of this problem vis a phone call using XXXX XXXX of Staff Management and XXXX from Sterling Infosytems on Thursday XXXX XXXX. I have not had any further contacts with Sterling or XXXX regarding this issue. I am troubled that the background check company was neglegent/incompitent in reading the court document and risking my employment with XXXX. Once again the information on criminal background check is correct but was not interpreted correctly by said professionals. I want this claim investigated and all parties made responsiable for this crime in it self, fraud claims, to correct thier said expert positions in background checks. Same goes for Staffing ManagementXXXX, they too did the same or may seek damages for violations to FCRA. 

Sterling InfosystemsXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Management XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX, Illinois XXXXXXXXtele ; XXXX
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

I owned a Chase debit card that was fraudulently stolen and used for purchases at several retail stores in XXXX XXXX. I attempted to work with Chase but their independent review led them to believe that I was the one making the purchases even though I submit proof that I was in XXXX XXXX at the time of the purchases. Chase then took over XXXX dollars that was in my personal and joint accounts. This has been ongoing since XX/XX/XXXX with a final determination coming in XXXX 2014.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (LA)

After I legally parked my car and paid the fee, my car was booted prior to expiration of time. I was threatened and forced to pay for boot removal. Did not accept or consent but signed under duress. They acknowledged I was right but still demanded payment. They also altered the credit card receipt by scratching out time and writing in a later time that made me appear delinquent. Chase dispute team put me through hoops and wasted lots of my time. I faxed the documents and a narrative. They considered the charge valid and contended that I agreed to service rendered ( removal of boot ) though receipt says " no service rendered ''. They did not care that the documents were altered. This company clearly goes along with fraudulent conduct by companies scamming their clients. No recourse for me except leave Chase which I have. Terrible treatment designed to " make you go away '' through transferring calls, disconnecting calls, failure to return calls, placing you on hold indefinitely, ignoring documents sent to them at my expense. Never did they intend to assist me.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (SC)

I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.