davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money  order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment,  this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! <P/>Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (NJ)

I made a payment on my account on XX/XX/2020 and my last payment XXXX, XXXX 2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was checking on my business account and fought that Bank of America took my money and closed the account without notifying me.I called Bank of America no one could give me any answer everyone was hanging the phone up in my face. Also last year Bank of America close my father account in which he was having the house note come out the account automatically and they close the account which then send the house into foreclosure. We had to get legal aid to us to fight to keep them from selling the house for peanuts my parents are in there early XXXX, Bank of America try to take the house from my parents which they been living in since 1965. This Bank is notorious maybe because we are XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

my phone showed a person in my phone book even sad the name when i answerd it was HRRG Calling not XXXX XXXX i feal thay must have hacked my phone book or phone account the number when u look after words is the person in phone book so i dont know how to prove what thay are doing i would think what thay did is not leagle but i am not a lawer i would like them to say thay are sorry for what thay did and sence bill is less than 250 $ that thay pay it off thank you XXXX XXXX
Consumer complaint received 2017-11-15
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: Continental Finance Company, LLC (TN)

Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycredit card misled me to believe that I do not have any minimum payment to be paid. My date for minimum payment was XXXX XXXX, 2020 ; I paid extra of {$200.00} on XX/XX/2020 whereby it covered the XX/XX/2020 minimum payment of {$29.00} ; Days before my minimum payment due ( XX/XX/2020 ) my online account displays that I do not have a minimum payment due. But on XX/XX/2020, an alert trigger that I did not pay my minimum payment of {$29.00} dated XX/XX/2020. The credit card company charged me a late fee and the worst part of it all, it will show in my credit report that I have a late payment on this card. This company is a fraud. Heartless. They make their system in such a way they can get you to be charged with fees. 
Please help me make sure that the late payment dated XX/XX/2020 will not show in my credit report. I am in the process of acquiring a house. This will ruin my application definitely. I will close this account when those fees are reversed come XX/XX/2020.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, XXXX and Experian on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I have disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX  | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One reduced my credit limit from {$10000.00} to {$5000.00} even though I have 3 years of perfect credit history with them and wont listen to me when I call and ask about it.
Consumer complaint received 2020-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On this date, XX/XX/2020 I received a phone call from Capital One Bank collections department stating that I was overdrawn in my checking account. As I have had a {$10000.00} credit line fully available ( no outstanding balance ) attached to this checking account for well over a decade, I informed the caller of that and she said she could not help me - that was a different department and they were not available for me to talk. The ONLY thing she cared about was she just wanted the overdraft covered. 

I then pulled a checking account statement and called the number posted. After a very long and significant wait a gentlemen answered and reviewed my account. He infomed me that Capital One as a Company decided to Close All credit lines and Not honor them any longer as of XXXX of this year! I told him that I was NEVER informed of this decision and that I wanted to know why - he only said that Capital One claims to have sent a notice which I NEVER received. I purposely was using the line to make a payment of my mortgage. They honored the check at least but without knowing the line was cancelled an they not providing any proof of notice the account was overdrawn! I did not learn this until I eceived the prior mentioned call ... .from collections! To add insult to injury, they have closed ALL the branches near me so I cant go there and they charged me an over draft fee of {$35.00} which the man on the phone said he would NOT reverse! A fee that should NOT have been charged and would NOT have happened if not for their despicable action and NO NOTICE!!! This bank should NOT be allowed to operate AT ALL in this country. I will seek another bank but want to know how they could be allowed to take this drastic and improper action. The credit line cancellation has also obviously adversely affected by credit score. Had I been properly noticed I would have closed the account then BUT, in any case, to close this line in the middle of a COVID crisis is despicable!!! I await your response. TY
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (ID)

I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.
Consumer complaint received 2020-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX I paid out Caliber Home Loans - loan number- XXXX. According to my mortgage statement I had an escrow balance in excess of {$1100.00}. I sent 2 e-mails starting on XX/XX/XXXX and have left 2 messages. To date no response. Their automated system states that they will get back to you in 5 days that didn't happen. 
Their XXXX number is XXXX. According to RESPA the refund should have been issued within 20 days. 

Mr. XXXX XXXX is the Chief Executive Officer and should be made aware of what I believe to be a gross negligence that could result in a revocation of a Lender License for not complying with Federal Laws. At the least customer correspondence should be answered in a timely manner. 

My number is XXXX Thank You XXXX XXXX
Consumer complaint received 2020-08-28
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. (NV)

My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.
Consumer complaint received 2020-08-29
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. (NE)

I received a notification that a collection account was placed on my credit report by Experian on XX/XX/XXXX by a debt collector XXXX XXXX XXXX. I was previously contacted by XXXX XXXX XXXX in XX/XX/XXXX for a debt that did not belong to me. I contacted XXXX XXXX XXXX personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

I became unemployed in  XXXX  and there is credit insurance on my account. The company is hounding me for the past payments despite this. I 'm willing to continue paying, but need them to work with me. I am now in a position at reduced pay. They have violated the FCRA by identifying the debt to third parties and making threats.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express Serve I inputted my American Express Serve direct deposit into my unemployment benefits from and I received my benefits on XX/XX/2020 and XX/XX/2020 to my American Express Serve account, but I was immediately locked out of my account when I received the second deposit from Tennessee government without any warning or message of termination. I called American Express Serve customer service, but I was not given a reasonable solution and I was told that the funds in my account will be sent back to the sender. Why on earth will my unemployment benefits be sent back to the government. This is outrageous and I'm ready to drag it to court if my money is not released in peace. Even if a benefit direct deposit violates the company 's policy, it doesn't mean my funds have to go with it. It is mine and I have all right to it, please I really need my money back, either it is mailed as a check to my address or I should provide an account where it will be sent as a direct deposit for me to have access to my account. 
The affected American Express Serve account ID : XXXX 1st Transaction Details : From XXXX  DUA PAYMENTS-XXXX PMT Amount {$120.00} Date available XX/XX/2020 Transaction ID XXXX 2nd Transaction Details : From XXXX XXXX PAYMENTS-XXXX PMT Amount {$900.00} Date available XX/XX/2020 Transaction ID XXXX
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To whom it may concern : The following information is my contacts : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX or XXXX Mortgage Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX In XXXX I filed XXXX with my XXXX. I did NOT include my mortgage in the XXXX. When the bank was informed of the XXXX their XXXX charged me {$750.00} to investigate the XXXX. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the XXXX and that I have not made any payments on the loan.
<P/>
I tried to contact the bank XXXX and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my XXXX XXXX who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.
<P/>
I know the XXXX will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.
<P/>
How can I get this fixed? Can you help me? Please see what you can do to help with this situation.
<P/>
Regards
Consumer complaint received 2020-08-27
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: ENCORE CAPITAL GROUP INC. (WI)

On XX/XX/2016. MIDLAND FUND LLC added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA MIDLAND FUND LLC has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately. 

Also they do not have a license to collect in the state of Wisconsin.
Consumer complaint received 2020-08-29
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. (CA)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Capital One reduced my credit limit from {$8000.00} to {$2000.00}. I contacted them and they said it was based on usage patterns in the past 12 or 24 months. It was because I have not been using this card enough. Not because I was using it too much or my credit rate changed for the worse or any other indication that I was a higher risk of default. This causes me problems because I have other credit cards and I try to manage my total credit usage so that I do not exceed 30 % of the total credit available to me. When they reduce my limit simply because I was not using their card, it can make my total usage pop to 50 % or more doing damage to my credit profile and score. They said there was nothing they can do. This is a bad practice that hurts consumers and users of credit products such as theirs. It is detrimental to their customers who are making an effort to improve their credit profile. It causes a downward cycle where my credit score can be lowered causing other credit cards to lower my limit, or costing me more for credit in the future.