davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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)

There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I I recently use my debit card to complete a purchase on XXXX XXXX  for my XXXX  birthday party the XXXX  ended up scamming me and not writing me back I have proof from text messages and request trying to get my money back no answer I reached out to my bank to dispute the transaction they told me because of the type of transaction that it couldnt be disputed
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc. (VA)

On XX/XX/22 I received call from my XXXX XXXX XXXX daughter who stated that she had gotten some type of collection call from a company called AA Recovery. Once she forwarded me the message I called AA recovery in reference to the account that I thought was closed. I worked out payment arrangements and then later that afternoon my mother in law called and stated that XXXX had called her as well trying to reach me. I am filing this complaint as I feel my privacy was violated. Not only did he not have my permission to speak with my minor child he should have never given any information indicating the nature of the call. Again this complaint is against AA Recovery and his contact number is XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I never gave anyone my written permission that says in the law. I gave no one permission to put anything on my credit. I do not owe this company. I dont know this company. Ive never had anything to do with this company. my laws have been violated. I know my rights remove this from my credit report. 

1. ) Portfolios Recovery 2. ) XXXX XXXX account
Consumer complaint received 2023-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Its several hard inquiries from capital one card services and I never approved those hard inquiries I filed for a car and was informed that it wouldnt be a hard inquiries because its pre approval if Id have known it was going to be a hard inquiries I wouldnt hv went through with it the only inquiry should be my existing capital one account that was opened and is currently active
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : CAPITAL ONE XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CAPITAL ONE customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TN)

I have never been late on my mortgage payment. Mortgage company did not get my annual insurance payment to my insurance company by due date. 

XX/XX/2023 I was informed my home owners insurance was not paid to the insurance company from my escrow. 

It was over 30 days before it came to my attention. At that point, I could not find anyone to insure my house. It took me over 60 days after not being insured to find a company to insure the home. My premium went from around {$1300.00} to nearly {$6000.00} a year. Basically doubling my house payment with the new insurance premium.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NE)

I tried to make an extra {$100.00} payment ( on XXXX, not my scheduled auto payment ) and they used a closed bank account from two years. Charged up return check fee, then closed my account because they use the wrong account. I have not missed any payments. I always pay extra on the card and I hardly ever use it, but they hurt my credit really bad by closing the account and demanding the money for it. I had the same problem with the same company the month prior when they canceled all my auto payments on all my synchrony cards, first they told me it was a computer glitch. Then they told me it was my fault cause I never scheduled all the payments when my history shows that I had auto payments scheduled and been using auto payment for the past year. I am going to pursue any legal options that I might have because I do not think this is a fair practice.
Consumer complaint received 2018-05-18
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. (CA)

There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.
Consumer complaint received 2023-06-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXT XXXX XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

Less than a week ago Round Point Mortgage reported me 30 days late for XX/XX/year>. Besides the fact that we are now in XXXX, this reporting is incorrect. I did make my XXXX payment in the month of XXXX, I also have a confirmation email from the lender that confirms my payment was made in XXXX. However becouse of the XXXX XXXX XXXX the payment was drafter on XX/XX/XXXX, because of this they reported me delinquent. This is absurd, as in any financial institution the payments posting date is always the date the payment was made not when it was debited from the account. I am currently refinancing one of my properties and because of this erroneous reporting the lender advised us that they are denying my refinance. This is a huge problem as I am loosing my locked rate and my deposit. Please help as soon as possible!
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc. (OH)

This complaint is against the company Ginny 's which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Ginny 's website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Ginny 's explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CA)

When trying to resolve the supposed amount owed with gym trainer at XXXX fitness, I asked for a copy of contract agreed upon having stated I refused to pay him after him mistreating my son whom was using the sessions purchased too. I paid for sessions already used only, and refused to pay any further sessions not used. The gym trainer nor manager would provide me with proof a written contract of debt owed, and instead sent me to collections for a bogus amount charged.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

Chase bank all of a sudden lowered my credit limits in two cards that were both in good standing. They sent us an email stating that it was either due to a late payment or we hadnt used the card in a while. This action caused my credit score to drop from XXXX to XXXX. Those were both false statements. I received a call from someone at the executive office conveniently after she was getting off for the day. She stated they investigated and they stand by their decision. Ive asked for proof of either occurrence and theyve been nothing but silent. Ive heard of this happening several times by chase bank. All she would say is her names XXXX from Chase executive office. Her number is XXXX and extension is XXXX. Ive asked chase to rectify this issue as it has negatively impacted my credit for no reason
Consumer complaint received 2024-06-25
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: SYNCHRONY FINANCIAL (TX)

Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-12-13
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (MO)

I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : CAPITAL ONEXXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEXXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of racketeering these XXXX members have gone above and beyond to make my life a living XXXX. 

Please, call you assist me with this please.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I made a payment on my Chase Freedom card in the amount of {$5300.00}. On the XXXX and XXXX transactions were made on the card, then an additional payment was made on the card bringing the balance back to a XXXX balance. 

After the XXXX of XXXX, I began to receive declined notifications from various accounts I have on auto-pay, this would take place for over week, with no notification from Chase advising of any form of issue or concern with my account, no text, push messages, emails, or phone calls. Only after I called on the XXXX of XXXX was I advised that it " may '' be because I made a large payment from a different account, causing my card to be frozen. When questioned about the reason for no notification about the account status, I was given no reason. On this call I was informed that my restriction would be lifted and I would be able to use my card again, yet the next day my card was decline again when attempting to make a transaction, although my balance showed a credit, due to my last payment and points redeemed. 

On the XXXX of XXXX I would spend almost another hour on the line with Chase, being transferred unexpectedly, and still not receiving answers as to why my card wasn't working or why it was frozen to begin with. While this freeze was taking place, my Chase Saphire card worked with no issue. The last party I spoke with stated that the payment amount made was higher than my normal payments, so it appeared it was why their fraud team froze my card. I advised the agent that if my amount was reviewed they would see that I make numerous payments a month in various amounts, from XXXX to XXXX dollars, and at least once a year if I have a large balance it will be paid in one full, as I did previously in early 2023. 

Chase not only failed to communicate with me about my account, they also caused me multiple inconveniences and issues with various accounts due to accounts becoming past due and the correlating cost. If had not contacted Chase it is unclear when I would have been notified, if ever. This is totally unacceptable behavior on behalf of Chase, if a customer failed to pay due to an issue beknowst to Chase, it would not be met with concessions, they would hold the customer accountable for paying what they owe. 

In lieu of this poor handling of my account and the even poorer customer service I received over the course two days, I expect some form of gesture to make this right on behalf of Chase.