davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MN)

On or about XXXX, American Express Cancelled my account. 
I found this information out on my Billing Statement received by me via the us mail on XXXX. 
I paid the outstanding balance off on XXXX. 
As the card was cancelled I needed to speak with a human. meaning I could not make an online payment as my card was cancelled by American Express. 
On the recorded line at American express I spoke with the representative and expressed clearly that this is a final payment of all of my debt, the gentleman agreed and calculated all fees and interest the Total payout was {$2500.00} transaction number XXXX XXXX. 
American Express then charged a late fee and interest closing date XXXX billing date XXXX {$50.00} was the statement bill for XXXX American Express hired XXXX XXXX to collect on this debt. 
American Express has reported to all 3 credit agencies on XX/XX/2020 and XX/XX/2020. 
I, paid this debt off completely with a human on a recorded line at American Express I would ask that all strikes to my credit score be righted. 
I paid my debt to American Express on XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX. is improperly and impermissibly reporting an account to the Equifax, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

i called citibank and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Consumer complaint received 2020-11-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I have been receiving emails from PenFed Credit Union for several months asking for information to allow PenFed to send statements and documents electronically regarding my account with PenFed. I don't have an account with PenFed. I have just received a hard copy " Regular Share Account '' " Consolidated Statement '' from PenFed for the period of XX/XX/XXXX - XXXX XXXX showing an opening deposit of {$5.00} and an ending balance of {$5.00}. I never opened an account with PenFed ; neither did I make that deposit.. I suspect it has something to do with a personal loan we obtained through XXXX ( formerly XXXX XXXX XXXX ), a California-based finance technology company, from which we obtained financing for the installation of a solar system on our home. PenFed may be the servicer of that loan. That would have been a transaction between XXXX and PenFed, a transaction to which I was not a party, and, to my knowledge, not a transaction requiring the creation of a deposit account in my name. I'm not one to look a gift horse in the mouth, unless, of course, the gift has something to do with my personal financial information or affairs, in which case, I am hypervigilant. Please investigate.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

I received a collection notice of {$390.00} from XXXX XXXX. I called XXXX and the account number provided on the notice is not XXXX and I was told to call XXXX XXXX. I called XXXX XXXX and the account they pulled up shows a balance of {$55.00}. The account is currently in dispute as account was opened fraudulently. XXXX stated there has been no activity on the account nor has ever had a balance other than the {$55.00}, so I am not sure where EOS CCA is coming up with their balance of {$390.00} because it is completely incorrect and not owed!
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2021 I sent a certified debt validation letter to Midland Credit. To date, there's been no response from them. They are still reporting to the credit bureaus and shouldn't be since they can't/did n't validate my request.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I have several accounts with the Chase Bank, personal and business, one of those accounts was a Savings Account that will help to cover over payments from the personal checking account and that will help to minimize the overdraft charges on the transactions, the bank stipulate that customer is allowed to 5 free of charge overdraft transactions from savings account to checking accounts, so that was the reason that I opened the savings account. Every month, the bank transfer from my savings account whatever was need it to cover the overdraft expenses from my checking account and if for some reason I use this service more that 5 times a month, the bank charge a fee for each transaction over the first 5 's.  At certain time the bank decide to " change the savings account to the checking account classification '', that way that specific account can't cover the overdraft fees because is not a savings account anymore. I complaint to the customer representative on the phone a couple of times and they really don't care and didn't do nothing about this matter to me. Because that reason, since XX/XX/20 I have paid over about {$600.00} on overdraft charges because the change of my saving account status to checking account without my authorization. That's costing me money!!!
Consumer complaint received 2020-10-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (ME)

The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX  tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: John C. Heath, Attorney at Law, PLLC (SC)

So, Last XXXX I purchased labtop and lots of other XXXX gifts with XXXX. I got charged for movie channels and called them using the contact us at the bottom of the First page. So called me when I gave them my phone Number. On my Bank statement it showed the total cost for the XXXX $ So it was charged and Money was In my checking Account for it. But, when i talked to the lady from XXXX that I got charged almost XXXX $ worth of Video Channels and Other extra charges that I canceled so many times. She said she looked it up and-saw that havent used anything I was being charged for, so i got off the phone with her after 2hrs she told me that my refund will go directly back into my account in 3-5 business days this was XX/XX/2019 so i got the emails and went to the bank and it showed 2 electronic Digital Refund for One that was around XXXX $ and the other refund was for XXXX $ Then at the end of my the month they decided without contacting me they charged me again taking it out of my checking account. And i called ti asked what happened they just told me that they shouldve refunded me for the Laptop and other electric i told them that it wasnt on the statement as the computer. So i said thats fine but she should have known what to refund the day after i go to the back and because they took that money out if my account it cause me to overdraft. Cause when they did it it didnt have enough money in the account : then i called and complained. They told me what happened then i put money into the account and then when i got the statement for the next two weeks they took the items off refunded again yep i dont know why. Then called them again they said there wasnt money in the account so thats why they so the charge went through when i did I said ok now everything should be find right? They said yes the items are now paid for. Well then I started receiving letter telling me that i have not paid fir theItems so they just kept coming same charges but saying it wasnt paid fir.. now how is that possible i told them the man on the phone said sorry it got submitted to the credit company and he said he had the records that indicated that everything was now paid for but they kept coming every month that i got so tired of it and stopped using XXXX all together now the passed two months Ive been getting a charge fir XXXX $ from Lexington Law credit company . So now Im m trying to get them to stop charging me for a mistake of the employee that refunded the wrong items in the first place .. I was finally happy with my credit score but now this just keeps me From doing anything. Them workers at XXXX really messed my credit up and its been so stressful so please if you have any advice let me know thanks XXXX XXXX
Consumer complaint received 2020-11-15
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. (IL)

i have requested proof of ownership of an account from XXXX XXXX from Equifax. this account belongs to a XXXX XXXX and filed in her bankruptcy. however they are still reporting this account on my report with no proof. the amount is {$8800.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020
Consumer complaint received 2020-11-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (GA)

On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. PHH MORTGAGE SERVICES HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from PHH Mortgage from PREVIOUS federal complaint. PHH Mortgage Services are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then fires XXXX XXXX. as their foreclosure attorney and then hires XXXX XXXX XXXX as of XX/XX/2020. PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. XXXX XXXX XXXX will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( PHH Mortgage and XXXX XXXX XXXX ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX XXXX are aware of the laws that govern Georgia Foreclosures. I would like XXXX XXXX XXXX and PHH to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (LA)

I reached out to XXXX on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-15
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2017, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. Not only that, this debt is beyond the Statues of Limitatons for collecting a debt in the state of Texas. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

they claim that I owe them money for " gap insurance '' I proved it to them by showing them and sending an email of the copy that I had insurance with another company " progressive insurance ''. Hit for almost a year now they've been actively trying to collect what was once {$100.00} to around {$300.00} in auto insurance premium. for what reason I have no idea
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I recently made a cashapp, i was using it normally. I sent money and i received money. On XX/XX/XXXX, i added XXXX dollars to my cash balance which brought me to XXXX because i already had XXXX on my account. One of my friends were letting me rent their XXXX for XXXX so when i got ready to send the XXXX over it said payment couldnt be sent after hours of trying to send it different ways, i emailed support to find out my account was closed. I dont know what guideline i didnt follow but i literally was using the cash app normally. So i followed all of their FALSE steps to at least get my money back but none of them worked. It wont let me cash out and they closed my account for no reason at all but the XXXX is still sitting in my cash balance.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Consumer complaint received 2020-11-13
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)

XXXX XXXX XXXX  is reporting negative credit report. 
Account has been closed but still showing as revolving account. 
Account was opened on XX/XX/2017 with no reporting date on when it was closed. 
Account shows that I have a XXXX balance on it, but I have no knowledge about this account. 
This account is reporting to my Experian Account as a collection.
Consumer complaint received 2019-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

Okay so i Signed up for an App called cash app which turned out to be an great app until yesterday XXXX, XXXX were i noticed i could not use the card that was issused to me fron Cash app. As i looked more into detail on what was going on And i found out that they froze my account without letting me know anything i broke no rules or violations i simply used the app to send and receive money but i followed the rule on how to withdraw money and as i did they wouldnt let me take my money out of the cash app so now i have a problem because all of my money is in cash app and i cant get none of it i tried contacting them multiple times and i never got one anwser i really feel like this very unprofessional like for small business and others who tend to just use the app personally
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX