davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olympic Collection Inc. (WA)

After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (NY)

I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE IN MY REPORT, VERIFY THAT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group (OH)

The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.
Consumer complaint received 2017-04-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (CA)

my wife and i took out  XXXX  catcall loans for {$2500.00} each during the  XXXX  of  XXXX  or   XXXX   when we missed payments they wanted everything in full with huge interest attached. we could not pay they called and harassed and sent letters about a year ago they gave the accounts or sold not sure to an attorney in los angeles now they want over {$30000.00} dollars in interest and they have put judgments on us for this. i do not feel like these dollar amounts are legitimate and have been reading articles that catcall was over charging customers with interest and had lost a lawsuit the attorney who has or works with catcall is  XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  CA  XXXX   XXXX  also cash call should have the records my name is  XXXX   XXXX  and my wife is  XXXX   XXXX
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In year of XXXX i took plead deal on a sales tax for underreported sales it was a partnership. it was mismeanor offence. In XXXX i apply for credit card with Chase Bank they sent out my cards to me. within 2months they close my account. I wrote a letter to their excutive branch and they said, they decline me because I pleaded guity to a tax fraud in XXXX just found out this information today XXXX/XXXX/XXXX. I bank relation with other Banks i.e. XXXX XXXX XXXX, XXXX, and XXXX XXXX .. This happen 10 yrs ago in our XXXX XXXX .. please give me some direction what need to do clear my name with Chase Bank
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NE)

XXXX   XXXX   XXXX  changed the terms of a joint loan after my divorce and martial settlement agreement with ex-spouse. This company is reporting a charge off and bad debit on my credit report. They settlement agreement was made only with  XXXX   XXXX  ( ex-spouse ) is solely responsible for the car loan and the only  one  in possession of the car. Attached are copies of my martial settlement agreement and divorce decree. I would like all  XXXX  credit bureaus to remove this bad debt. The original terms of the loan are now changed and I was not inform in writing or by phone.  XXXX  is solely responsible for the new contract and terms of this car loan.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

Equifax has repeatedly added a fraud alert to my account numerous times. I have asked them over and over not to add it because it has affected my bank account and my business transactions. They have added a fraud alert 4 separate times after I asked them to remove it. They first added an initial fraud alert. It was sent to all bureaus and my bank account was frozen. I called and removed it from all three. They went back and added a second one on XX/XX/XXXX. I called and removed it AGAIN and told them that I no longer wanted the fraud alert because my banking systems are being affected now. I got an alert on XX/XX/XXXX that a fraud alert had been added once again. I called all 3 to have it removed. I get a letter in the mail on XX/XX/XXXX stating that I asked for an Extended 7 year fraud alert and I DID NOT. Now my banking is frozen again. I called and removed it again on XX/XX/XXXX. I then get an alert from XXXX stating that Equifax added an initial alert again and did not add a number for any creditor to call me. Then they took additional steps to removed me from the promotional offers list by blocking my information. I repeatedly asked them not to do this as well. I was advised by XXXX and XXXX that Equifax is the one that continues to add the alert. XXXX even researched and saw that Equifax suppressed my information from promotional inquiries without my knowledge or approval. So now I am at 4 different initial alerts from just Equifax as well as an Extended alert that I did not authorize. This is my final request that Equifax stop playing games with my report as well as STOP ADDING INITIAL AND EXTENDED FRAUD ALERTS TO MY CREDIT REPORT. ADDITIONALLY I DO NOT WANT A FREEZE EITHER. This issue is greatly impacting my finances and banking history so remove the fraud alerts and add me back to the promotional offers list. I did not ask for my information to be suppressed from promotional offers because I need qualification for my home buying process. It feels that they keep adding them just to make things harder for me. I have to call each bureau and wait on hold for extensive amounts of time just to rectify an issue that I DID NOT ASK FOR. DO NOT ADD ANOTHER FRAUD ALERT, INITIAL OR EXTENDED, WITHOUT MY KNOWLEDGE. ADD ME BACK TO PROMOTIONAL INQUIRIES LIST AND DO NOT SUPPRESS MY INFORMATION FROM PROMOTIONAL OFFERS. If this continues, I will have no choice but to escalate to the Better Business Bureau and my Mississippi Attorney Generals office.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX  Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. 
I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ). 

I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees. 

During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it. 

I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days. 

When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before. 

I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor. 

This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NY)

I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have been unable to access my CoinBase account. I am not receiving their " Device Verification ''  e-mails for whatever reason. 

The account had {$300.00} in it at the time, in Ethereum ( XXXX ETH ). Currently, as of XX/XX/XXXX, it is worth around {$700.00}. 

All below dates are in XX/XX/XXXX unless otherwise marked.. 

On XX/XX/XXXX, I created a ticket through their automated system. Receiving no response, I called them on XX/XX/XXXX and was automatically dropped due to high call volume. I called again on the XXXX, XXXX, XXXX, and XXXX. In XXXX, I called on the XXXX, XXXX, XXXX. Finally, on XX/XX/XXXX, I got through to someone. 

They looked up my account, and stated that they could transfer to a new account. I had already created a new account and requested this through e-mail, but having acknowledgement that this would work was good. I received no further correspondence on this until I called again on XX/XX/XXXX. I was told that I had to wait an unspecified amount of time for a specialist to handle it. 

I have e-mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for updates on it, receiving nothing back.

I called again on XX/XX/XXXX, and was told to keep waiting. Waiting on this for such a long time, I believe it is unreasonable, especially given the lack of communication.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I filed a disputes with XXXX, Equifax, and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Since Seterus took over my loan, all payments for the last 3 years were made on a timely basis. My current statement shows a balance after the  XXXX  payment of {$150000.00}. Using the amortization schedule the balance should be around {$150.00}. Had they applied the payment timely the amount actually should be less. They need to account for the missing {$500.00}
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

I was sent a letter from  Commonwealth Financial stating that they would notify fy the   XXXX  major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX .  XXXX , and  XXXX   XXXX  no response.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NJ)

I paid {$9000.00} out of a   XXXX   to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing  1st.
Consumer complaint received 2018-04-11
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)

this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Consumer complaint received 2021-07-16
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. (CA)

Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.