davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (NV)

States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.
Consumer complaint received 2023-08-10
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. (NY)

I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.
Consumer complaint received 2017-01-17
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TCF NATIONAL BANK (AZ)

Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. TransUnion continues to report because XXXX XXXX XXXX continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Throughout the years of my credit I have ups and downs due to the economy. I have had high balances in credit cards but I always payed them off or pay on time. When I apply for credit they will deny me and this is what the response is.

Number of accounts with delinquency Ratio of balance to limit on bank revolving or other rev accounts too high Time since delinquency is too recent or unknown Length of time revolving accounts have been established I called experian and they said they can't give me any legal help. All I asked is why do I have this and is been years this has appeared and I don't know how to fix it. I called a financial help company they told me I can call and the lady I spoke to said there's no issues with my credit as I pay everything on time. All she said is to keep all my balances at 30 percent. Experian did not want to help or see how I can get rid of those messages as it's not letting me apply for credit and all my credit card companies are dropping my limit as well.
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (NY)

I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.
Consumer complaint received 2016-03-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (FL)

I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX?
Consumer complaint received 2024-08-14
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. (CA)

I have sent many prior requests to your company to reinvestigate this inquiry that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every XXXX of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? I will once again list the inquiry in need of investigation : XXXX  XXXX Inquiry Date XX/XX/year> XXXX
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Somebody has stolen my card info from Chime digital banking. I have called and complained about this issue to CHIME, numerous amounts of times. I even asked them to block the merchant which was not done! This merchant has charged my card for {$10000.00}. They have declined ever dispute and charged on my claim. Its only been XXXX hours since I have tried to dispute those charges. How could as investigation be conducted that fast? I would like to receive my stolen funds and I would also like the account closed!
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I have a total of XXXX  insufficient funds fee from XX/XX/2020 through the present date totaling an amount of {$1000.00}. Due to the coronavirus our household income has reduced dramatically and I am the only person with income in the household. I feel taken advantage of every time I attempt to rectify the situation because I am a senior. I was unaware of the amounts of fees being taken from my Social Security income deposited monthly to Chase. I have been a loyal customer for 10 + years and no other options have ever been presented to me by the customer service and no one ever seems to want to help. Again due to my financial crisis caused by this pandemic, I started looking into my account and noticed all the fees charged to me just in this year alone. 
I feel that the total amount of fees should be refunded as a financial hardship courtesy and other options to avoid these fees should be explained to me. 

XXXX XXXX XXXX
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

during the week of XX/XX/XXXX, I had XXXX inquiries, XXXX public records and XXXX collections accounts removed from my Transunion credit report. 
I then checked my credit report on XX/XX/XXXX, the inquires, public records and collection account were added back to my credit report. 
It is my understanding that the credit reporting companies are suppose to contact you within 5 days of adding back any information that was previously removed.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Sent in supporting documents of arrests and police reports from XXXX Arkansas police department of XXXX suspects that were charged with XXXX counts each of felony identity theft and arrested awaiting trial and sentencing some time ago. I went to the Transunion website and saw the " investigation '' was completed but the reported felonious information was still there. There was no available options for me to view results only a screen that showed the investigation was completed. I called Transunion Friday XX/XX/XXXX and the representative that answered, after verifying my personal credit information, said that he could not give me any information on the completed dispute but I could log on to their website to view results. I 'm currently logged on today and getting an error message that says " online delivery of your dispute resolution is unavailable at this time. ". The representative said there was no confirmation number that could be given for the dispute but gave me what he called a file number. The number given by the representative was n't the same file number I got from their website when I was able to log in previously at Transunion.com website as my file number ( unless this number changes every year or post-dispute, etc ) and this number did nothing to aid me in any way. There are countless, misrepresented facts on my report with this agency. Erroneous names including a XXXX name that is n't at all mine or spelled like it, there are XXXX social security numbers and I only have XXXX and sent my signed social security card to show this, and accounts that span back beyond to XX/XX/XXXX for places and charges that are not my own. I was told I would receive a dispute resolution letter in the mail in 5 to 10 days. This was 3 weeks ago and received no letter to date. Furthermore, the fraud accounts and variations of my name and fraud addresses I sent for investigation more than once to be investigated are still appearing on credit report last I could see on the transunion.XXXX site as of Friday XX/XX/XXXX. It appears that this company does n't review any the information at all in investigations and frivilous in record keeping or even establishing the validity of information contain therein in investigations on a tool a creditor would use that is suppose to be a snapshot of who I would be as a consumer. It 's appalling and like being victimized twice!
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX I recieved an offer from Capitol One for a Quicksilver card with an intro offer with some vague terms about the interest rate after the offer had expired. The interest charged range was a huge 15-25 % which seems like abuse to charge anything they want within that range. I had over 800 credit score and due to using my credit now have over 700 credit score. I have never missed a payment either. CapOne charged me 25 % interest starting in XX/XX/XXXX which seems like that's what they do regardless of payment history or credit score. The 15 % seems like bait and switch and is not justified. I feel it's better to go through a 3rd party to complain about this for a legal trail as well. This 25 % rate is untenable and frankly should be illegal.
Consumer complaint received 2017-09-09
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 unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XX/XX/XXXXof 2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ). Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use.
The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Called Equifax to inquire about hack.
Was lead to website which would not accept my SS #.
Was told there was a problem and was disconnected.
Called back and have been on wait for almost 60 minutes now, still waiting!
I wanted to freeze my credit report and am not capable using telephonic and internet attempts. Please freeze all my credit as all my personal information has been provided to hackers by Equifax.
Consumer complaint received 2017-09-09
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. (TX)

Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.