davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy resolution.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date.

3. The New monthly payment reflecting the removal of property taxes and insurance.

4. Statement reflecting the status during mortgage company acquisition of my mortgage.

5.Immediate removal of late charges and negative credit report due to the new unexplained charges.

Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them.

Thank you
Consumer complaint received 2018-06-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Loan number XXXX XXXX XXXX I have been disputing this organizations errors sinceXX/XX/XXXX. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement datedXX/XX/XXXX showing my payment were up to date and that my next payment was due on XX/XX/XXXX. This corresponds to my records. On XX/XX/XXXX XXXX reversed TWO months of payments resulting in my payments forXX/XX/XXXX and XX/XX/XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them.

XXXX XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AR)

OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP
Consumer complaint received 2018-06-12
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: AMERICAN EXPRESS COMPANY (GA)

There was a purchase on my card where the merchandise was not received through XXXX and was not credited to my card. I disputed it with my credit card company and they reversed it and placed it back on my card.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I paid the bill the first month late and assessed a fee which I take full responsibility for. However, I paid the bill the next month two weeks earlier and to my surprise still was assessed a late fee. I again said it was my fault and did not challenge the fee. The third month I mailed the payment overnight in a money order. It was three weeks early and they did not process it until a day after the due date so I was assessed a third fee. 

I realized they were not " up-standing '' in their billing practices. I stopped paying the bill because I was upset. I am willing to pay the full amount and the late fees that now owe. I My complaint has more to do with their billing practices. I would like someone to please look into these practices.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (CA)

I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IN)

Was accepted into XXXX XXXX XXXX by XXXX  college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started classXX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX  to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX   from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Consumer complaint received 2018-06-12
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: Bread Financial Holdings, Inc. (NY)

There are fraudulent credit inquiries on my credit report XXXX/XXXX   Inquiry from XX/XX/XXXX this account is fraudulent and I would like it removed off my CREDIT REPORT ASAP BECAUSE IT DOESNT BELING TO ME AND IS FRAUDULENT.

Also there are other fraudulent accounts on my report and I want them removed at once these accounts are fraud and do not belong to me and I would like them removed from my credit report at once XXXX Reported : XX/XX/XXXX + {$420.00} XXXX XXXX Reported : XX/XX/XXXX {$390.00} XXXX XXXX/XXXX Reported : XX/XX/XXXX {$420.00} These accounts are all fraudulent and I want them removed I keep writing these companies but they have yet to be removed for my credit report. These are amfraud and do not belong to me please remove them at once.
Consumer complaint received 2018-06-12
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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC (TX)

This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX   would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1.  What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account? 

XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor. 

I attached all the necessary documents as proof, to further prove that XXXX  did not do their due diligence in verifying if this information is correct.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recoverr, a debt buyer company reporting as a factoring company on my credit reports had two accounts listed as collections from XXXX XXXX. Those accounts were never validated. I never received an original consumer contract. I decided to settle the amounts because the collection implied that it would be removed. Portfolio did not remove the accounts. The rep coerced me to settle.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

THIS COMPANY CONTINUOUSLY MAILED CORRESPONDENCE TO AN INCORRECT ADDRESS AND THEN REPORTED DELINQUENCES TO CREDIT BUREAUS. THIS COMPANY DID NOT REACH OUT TO ME VIA PHONE OR EMAIL. I WAS UNAWARE THAT I WAS IN REPAYMENT. I HAVE DISPUTED THIS 3 TIMES WITH THE COMPANY FROM XX/XX/XXXX AND XX/XX/XXXX. THE COMPANY REFUSES TO REMOVE THIS INNACCURATE INFORMATION. THIS IS ILLEGAL. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

I made a mobile deposit of a check that I received for contract work that I had done into my Chase checking account which I have had for 10 years. I do not normally deposit checks for this amount and so Chase Bank decided that the check deposited was not intended for me and therefore froze all funds in my account. I learned of this when trying to use my debit card and when I ask if I could please have access to the funds in the account prior to the deposit, they replied no. They cancelled my debit card, they said they would hold all direct deposits including my social security check, would not honor any automatic withdraws from the account and I could not have any of the money in the account. After a second call to Chase Bank they agreed to accept the check deposit in question when they could contact the signer of the check to verify that the check payment was intended for me. My compliant is that I didn't have access to any of the funds not associated with the deposit in question while they verified the check paid to me.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX   Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft.   Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

A cable company we had 6 years ago that was paid in full before moving ... all of a sudden without any contact in 6 years decides to send us a collection letter for {$1500.00} ( right after we buy a house ) the collection company is a well know FRAUD/SCAM collection company and this bill from XX/XX/XXXX was only first reported in XX/XX/XXXX out of the blue and to only one of the 3 Credit Bureas too ... this is fraud and I want it removed from my credit report.

The company is AFNI
Consumer complaint received 2018-04-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (WA)

On XXXX  2018 my XXXX score said that my debt increased. Upon looking at what increased, i found it was a debt collector ( Conserve in XXXX, NY ). The issue is i have already been paying on that debt and started paying AN AGREED UPON amount, but the total went up as i was paying. I attempted to contact them twice, both with no resolution or explanation as to why they decided to make me pay more than my agreed upon amount. I know that legally a debt collector can not collect more than what is agreed to be paid on.
Consumer complaint received 2018-06-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank in XX/XX/XXXX my wife had XXXX XXXX my son ask her to take a loan so he can buy a house she thought she was going to XXXX soon thinking the loan would be forgiven when she XXXX, she XXXX XXXX on XX/XX/XXXX the day after XX/XX/XXXX the amount maybe {$40000.00} or {$50000.00} I did not know the right amount or the date Wells Fargo would not tell me anything about this loan because my signature is not on this loan the balance is {$39000.00} as of XX/XX/XXXX in XX/XX/XXXX maybe in XX/XX/XXXX I get a call from Wells Fargo telling me the loan payment is late they did not know my wife pass away so he tells they need to get the payment of {$110.00} if they did not get it they will foreclose and get me out so I started making payments the payments just keeps going up & up in XX/XX/XXXX my payments are {$160.00} they told me if I take possession it will be a 2 % loan and my payments will stay the same at {$170.00} so I said ok and I really can not afford I live on a small SS check I have no other income or any saving account. 
Help me Please Thank You
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (CT)

My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. 

On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. 

As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. 

When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. 

This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE HELP!