davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (AL)

On XX/XX/XXXX my cardiologist hooked an XXXX XXXX XXXX XXXX to me that I had to wear home for XXXX hours then return it by mail to the device owner XXXX XXXX XXXX. XXXX incorrectly billed my XXXX XXXX XXXX ( XXXX ). XXXX eventually paid 100 % of the bill but XXXX then turned it over or sold the debt to Receivable Management partners ( XXXX ). Now XXXX continues to contact, threaten and harass me by phone. Each time I inform them that I have a statement from XXXX informing me of the XXXX balance but they tell me they dont care and despite me telling them to not contact me anymore. The last call from XXXX was today ( XX/XX/XXXX ). I myself and XXXX have both contacted XXXX several times to handle this and nothing seems to get solved. I want to know what action you can take and what actions I can take due to the harassment and threats from XXXX.
Consumer complaint received 2023-06-03
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. (TX)

I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the halfway house under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX  and release information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX VIA XXXX, EQUIFAX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (TN)

My husband and I own a XXXX XXXX XXXX property which is encumbered Ditech and, despite dozens of contacts with Ditech, we have been unable to get them to release the property. Ditech 's failure to respond may harm our ability to honor a contract on our home, which is currently marketed for sale. After 15 phone conversations, emails with 7 different departments and faxes to three different fax numbers, Ditech has failed to respond to our request. Our home and our neighbors ' home were misidentified on the property assessor requiring modifications of the deeds of trust and legal descriptions of our XXXX properties. The other mortgage holder, the two owners and the title company have prepared and signed each and every required document yet Ditech continues to encumber our property. We are unable to honor a contract on our home until Ditech responds to one of the dozens of phone messages, e-mails or faxes we have sent over the past two months.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Ascension Point Recovery Services, LLC (CA)

My mother died. I informed XXXX XXXX. They immediately turned the account over to collection and closed all access to her account. I have repeatedly sought her final bill. Now I have a letter from the the collection agency that there are over {$110.00} in fees. I have contacted the collection agency multiple times and they have been unable to provide the information. A call to XXXX is auto routed to the collection agency. Get me the bill so I know what is owed and if it is accurate and if it should be paid. And how can you charge a dead person fees?
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

In XXXX of XXXX, my experience with Home Depot took an unexpected turn when I received a text about an attempted charge of over {$800.00} on my card. Swiftly responding with a resounding " No, '' I immediately contacted Home Depot to ensure the charge was halted and to cancel my card for security measures. 

During the call, I took the opportunity to inquire about any other transactions on my card. Surprisingly, they informed me of two additional smaller charges that had gone through on the same day. I promptly asserted that these were not my transactions and requested their removal. Additionally, I sought a case number and details on how I would be updated about the ongoing investigation. Initially met with resistance, I persisted until they finally provided me with a case number. 

Despite my efforts, my claim faced a setback as it was denied on the grounds that the purchases were allegedly made with the card chip inserted. Puzzled, I emphasized that I had maintained possession of my card and had not set foot in a Home Depot for years.

To add to the frustration, Home Depot claimed to have mailed me letters and a replacement card. Despite multiple confirmations of my mailing address, not a single letter concerning my case reached me. Now, I find myself in a perplexing situation, forced to pay for purchases I did not make, all while grappling with an exorbitant 30 % + interest rate. 

How this occurred remains a mystery to me, especially considering the supposed use of the card chip. It appears that these fraudsters have evolved their techniques, leaving me both bewildered and disheartened by the unfolding events. My hope is that this unfortunate experience does not happen to anyone else and that measures are taken to prevent such incidents in the future.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : DISCOVER BANK XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Over the past year and a half, MANY fraudulent transactions- through XXXX XXXX XXXX XXXX XXXX XXXX, some sports book charges- have been sent out from my bank account at JP Morgan Chase . I have called Chase NUMEROUS times to dispute and complain about these things happening on my account. ( Someone actually told me recently that there were 22 disputes on my account, although I believe that there have been more ) Many times, I have been told that the case will be taken to someone higher and I will hear back from Chase, but I never did. This could possibly be a case of Identity Theft, but Chase never seemed to take any steps toward solving out the problem. In XXXX of 2022, I also completely closed down my Chase account and opened a new one, but these transactions STILL continued to occur. It's just shocking that not one member from Chase seemed fazed by the amount of false charges and disputes that I had made. 
Often, within a day of getting paid from work, money would be sent out to accounts that I do not know. I would call to open a dispute against these transactions, then the temporary credit would be placed in my account, but then money would get sent again almost as soon as the money was put back into my account. 
NO ONE at Chase has been helpful through this entire process and I am tired of losing ALL of my money. Something needs to be done.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$480.00} have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint against XXXX, Equifax, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : 1. Unauthorized Hard Inquiries : 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 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 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 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 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 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 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 2022-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a Home Equity Line of credit on XXXX XXXX with Bank of America. 
On XX/XX/XXXX, XXXX XXXX introduced himself service XXXX handling the account Bank of America sent the disclosures and requested XXXX documents on XXXX XXXX including the most recent social security awards letter. All the documents were sent to XXXX XXXX. 
Having not received an information about the status of the loan there calls were made to XXXX XXXX and messages left. There was no response. 
On XXXX, I spoke with XXXX XXXX who informed me that a letter of denial was in the mail. 
He stated that the denial was due to the Bank not receiving all the documents requested. He added that the denial was also based on the assumption of the Bank that I was too young to receive social security. Injecting age into the decision is a violation Equal Credit Opportunity Act. 
If the Bank required additional documentation or clarification, they never sent a request for such. 
Recognizing that the Bank had made a colossal error and violated Federal Law, I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; None of the persons mentioned above returned d my calls. 
Subsequently, I received a letter from Bank of America stating that the Current/ Proposed Debt is High Relative to Income. 
The Bank made XXXX errors : XXXX ) it made a wrong assumption about social security award ( letters sent ) and did not include it as income XXXX ) the Bank did not subtract the debt that would be paid off by the loan that would reduce the debt-to- income ratio. The Bank violated federal law by its discriminatory actions.
Consumer complaint received 2018-12-17
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. (OH)

I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Consumer complaint received 2023-11-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIRST HOME MORTGAGE CORPORATION (MD)

This is my second Consumer Financial Protection Bureau ( CFPB ) complaint against First Home Mortgage, relating to an ongoing issue with my COVID Loss Mitigation application. The saga began in XX/XX/ when I first requested the application, but it was not until XX/XX/2023 that I received and submitted it. The application was accepted for processing on XX/XX/2023, and I was told to expect a decision within 30 days. Concurrently, I was advised to apply for the Maryland Homeowner 's Assistance Fund ( MHAF ), which approved up to {$40000.00} in funding for me on XX/XX/2023. To facilitate this, I made a payment of {$3200.00} to First Home Mortgage on XX/XX/2023, as advised by their representative. 

However, the process was disrupted when MHAF required an updated mortgage statement from First Home Mortgage. Despite multiple requests from MHAF and my Veteran 's Affairs Technician, the lender failed to provide this document, leading to MHAF denying my assistance application on XX/XX/2023. I have filed an appeal against this decision, as the denial was not due to any fault of mine. 

The last communication I received from First Home Mortgage was on XX/XX/2023, merely stating that my application was under review. My VA Technician 's request for an update, sent on XX/XX/2023, has been met with silence. This ongoing delay and the lender 's unresponsiveness are not only hindering my financial assistance efforts but also negatively impacting my federal security clearance and my credit report. The lender 's lack of communication and action is exacerbating these issues, leading to increased hardship and uncertainty about my financial future.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

I got an alert from XXXX saying there is a new collection on my credit report. This debt was reported to my credit before the company spoke to me and they did not send a debt validation notice. From my limited understanding, this is a violation.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a tax refund for XXXX dollars on XX/XX/XXXX using the chase app. On XX/XX/XXXX my account was completely restricted and I can not get access to my funds. I am currently out of town and dont have money for gas to get back home. My account was restricted because they need more information on my irs check which is at home and not in my possession. They offered no recourse to allow me to have access to my funds ( which have nothing to do with the pending check amount, they were in my account previously ) and were rude and cold. This is my second horrible experience with chase bank. I feel abused and like they have control over my hard earned money. Please help.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 90 Day Credit Experts (PA)

Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name XXXX XXXX on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now XXXX XXXX team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking XXXX to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

I purchased a XXXX XXXX XXXX from US Auto Sales. I had full coverage with XXXX and the gap coverage from US Auto Sales. I ended up totalling my car around the end of XXXX this year. XXXX covered their part and gave them their check. When it was time for the gap to cover the rest, that's when I found out they just got bought out by Westlake Portfolio! Who, while still in transition, is missing a lot of paperwork and doesn't know ANYTHING about my gap coverage with US Auto! Luckily, I happened to have a copy of my gap in my new truck. So I proved to them that I had it, and they told me that I'm all paid up and my balance was XXXX. That was around XXXX or XXXX. And now, on Saturday, XX/XX/XXXX, they send me an email telling me that I still owe {$2700.00}! And it's going to go up everyday XXXX until I pay it! They told me to check with XXXX XXXX, who is in charge of my gap coverage. They told me that I was correct, and that the rest of it should be covered by the XXXX. So I gave them a call. And they told me that they don't mind paying it, but they don't see anywhere that they had to. And all I need to do is show them in the contract and they will. XXXX XXXX say that they don't have the contract, and I should call Westlake, because they are supposed to have it. I call Westlake, and guess what...??? They don't have it, either! And had the nerve to tell me that they are going to email US Auto Sales and try to get the information. ( How are you going to email a company that you've taken over and no longer exists )! So now, I'm stuck in this situation and I have absolutely NO IDEA what to do! Please help me ... if you can.