davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

XXXX, I received a letter attempting to collect a debt on a credit card that I never opened. I ran my credit report and found that this XXXX XXXX card was opened in XXXX  and closed which I never did so I had no knowledge of this card or debt until today 's letter. I believe this card was opened fraudulently. I have put a freeze on my account through the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) and am going to write a dispute to the collector explaining the situation. I have disputed this card with XXXX and XXXX via online reporting but have not been able to dispute it with XXXX yet. The amount outstanding on the XXXX XXXX card is {$3500.00}. I will also file a local police report about this case in the coming week.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on Experian and XXXX. Ive been going back-and-forth for the last year.
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I brought a home as first time buyer, shortly thereafter my mortgage was changed to a different servicer, Mr. Cooper. My monthly mortgage payment included my PMI insurance for an amount of {$2100.00} per month. At closing I paid for my hazard insurance for the year. On XX/XX/2023 that policy was to renew with XXXX. However, XXXX quoted an increase of {$2.00}, XXXX increase. I told them I am not renewing. The escrow department for Mr. Cooper called XXXX and XXXX told them the hazard insurance is XXXX. When I tried to make a payment, I noticed my mortgage was now {$2300.00} for a monthly payment. I called Mr. Cooper who told me that was for my hazard insurance. I then conferenced called XXXX with Mr. Cooper 's escrow department. XXXX acknowledged the mistake and stated they would send the check for the difference as they could not send it to the escrow department. Mr. Cooper 's escrow department stated, once I receive the check for the difference of {$1800.00} from XXXX, to immediately deposit in my escrow account and my mortgage payment would resume the original amount of {$2100.00}. I made the XXXX payment of {$2300.00}. On XX/XX/2023, I received the check in the amount of XXXX in which I deposited into my escrow account,. I called Mr. Cooper and they claim they would do an escrow analysis to correct the erroneous increase. On XXXX the problem was not resolved. I called again and spoke to XXXX XXXX did not give me her last name ) and she stated the mortgage would not change. The escrow department advanced payments and that paid for the credits. I asked for an account history. After receiving the account I asked why am I being charged a PMI. XXXX stated that is part of the loan. As we went down the list of transactions, the amount deposited was not deducted. The PMI amount is included in the mortgage payment of XXXX. I am being charged twice for the PMI and my fixed rate mortgage should not be at {$2300.00}. I made the XXXX payment at that amount and now I need to know what do here. I calculated the discrepancy on just the hazard insurance error and it is at {$2600.00} not to mention XXXX I am being charged twice since they took on my mortgage loan.
Consumer complaint received 2018-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Dear to whom it may concern.

It is extremely difficult to reach anyone by phone and dispute a charge with PayPal.

We have tried since XX/XX/XXXX to resolve this.

Eg.

Dear Paypal.

We have Tried to call you months ago.

We also disputed moviepass as they have never honored their unlimited movie offer.

We also wrote to Paypal.

Where is the open case that we opened 5 months ago?

If Paypal doesn't handle disputes correctly We Will have no choice but to complain to the state regulator and Cfpb.

As requested 5 months ago please Credit our account the {$89.00}.

Please pass on to management as we have never received acknowledgement.

Or a pH. Call.

Or a letter from PayPal. 
Thank you.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (SC)

Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 
1st Terminal XXXX XXXX XXXX  # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.
Consumer complaint received 2018-08-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK (CA)

I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts/ 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
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, my account became overdrawn by {$41.00}. I received an email notification from Wells Fargo indicating " With Extra Day Grace Period you have an extra day to make deposits and avoid overdraft fee, '' so I made a cash deposit for {$100.00} on XX/XX/year>. This is reflected in their portal, but they assessed a {$35.00} overdraft fee for the transaction that caused my account to be overdrawn on XX/XX/year>. When I called them about it they indicated the fee was due to a transaction from XXXX that was pending on XX/XX/year>, but didn't post until XX/XX/year>. They are not disputing the fact that I deposited the funds within the " Extra Day Grace Period, '' they are refusing to rescind the fee because they believe it is valid because of the XXXX transaction.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-14
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (UT)

XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX  XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX  XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: STATE FARM BANK, FSB (AL)

To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years. 

On XX/XX/18 I received a Visa credit card in my wife 's name. 

On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days. 

I can provide a copy of the credit card, account number, and date of expiration if necessary.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a promotion from Capital One offering a {$300.00} credit for opening a 360-XXXX  account. I tried to open the account online and transfer {$10000.00} from my XXXX XXXX. However, the promotional code provided by Capital One needed to be fixed. When I called the customer representative for assistance, she made a mistake and opened XXXX additional accounts, transferring {$11000.00} from my XXXX XXXX  account. This caused an overdraft and much stress. Since then, I have not received the {$300.00} credit, and the {$11000.00} transferred to the Capital One accounts has yet to show up. I can not close the additional accounts created by mistake, and I am losing interest from my XXXX XXXX  savings account. I want only XXXX savings account and a {$300.00} credit as advertised.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (NY)

I am hospitalized with a serious XXXX XXXX XXXX XXXX contacts me 20 times a day repeatly for the three cards I have with them. They called my work and my son. I told them the situation numerous times and they call back 10 minutes later. The phone calls are coming from various XXXX illegal locations. The dept collector is Everest receivable services. XXXX XXXX. I am on XXXX due to this XXXX XXXX. I ask that they stop calling my employer family and me. I know about the debt there is nothing I can do about it right now. XXXX XXXX. And various
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I walked into the dealership at XXXX XXXX Indiana XXXX  months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did XXXX weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

XXXX XXXX sent notices of pending foreclosure to an unknown address that has since been discovered. 
Caliber home Loan and XXXX XXXX sent legal notices to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When my then legal address was my home that was illegally foreclosed upon XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
WE have found all your Special delivery mailing to the above address my searching the neighborhood for past 2 years. 
I was not legal notified therefore, no amount of time can be claimed to negate this illegal and wrongful foreclosure. 
XXXX XXXX made a loan with XXXX on XXXX and my name was on a registered and recorded Quit Claim Deed XX/XX/XXXX. 
So Caliber you need to work with XXXX and return my home back to me as it still sits empty since XX/XX/XXXX. If you thouht you had clear Title, the home would have been sold. But since I AM LEGALLY IN TITLE THe home Can't be sold.. Want to negotiate?
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.
Consumer complaint received 2023-04-06
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

I have a XXXX XXXX XXXX card with card number XXXX associatedwith my XXXX XXXX XXXX XXXX account # XXXX. By the XXXX, XXXX monthlystatement, I have earned total XXXX XXXX XXXX. However, the XXXX XXXX, which is financed by Synchrony Bank, refuses to transfer my earned XXXX to my XXXXXXXX XXXX account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them totransfer my earned XXXX XXXX to my XXXXXXXX XXXX account. Upon to today, my XXXXXXXX XXXXaccount # XXXX still shows XXXX XXXX XXXX! As shown by attached my XXXX XXXX records, XXXX XXXX XXXXXXXX XXXX  has never credited my earned XXXX XXXX miles to my XXXX XXXX account XXXX 

The XXXX XXXX XXXX XXXX said : " Rewards miles totaling XXXX have been transferred to the member number previously listed on your account ending in XXXX. '' However, the account ending in XXXX is not my account. My XXXX XXXX account is ending with XXXX! I have been asking them to correct their mistake and to transfer my earned XXXX to my account # XXXX. As up to today, XX/XX/year>, they still have not credited my earned miles to my account!
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX and XX/XX/XXXX Compass Bankcard pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have reached out to the three credit bureaus XXXX, Experian, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.
Consumer complaint received 2023-04-06
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital Systems has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from Jefferson Capital Systems contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

Good morning! 

I am seeing Forever 21 on my credit report still after 7 years. This was paid in full and it's still on my credit report as a potentially negative account. Here is the info on it : XXXX/COMENITY/FOREVER 21 Account info Account name XXXX/COMENITY/FOREVER 21 Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$150.00} Highest balance {$150.00} Terms - Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Current : Account closed at consumer 's request. 

This was a credit card that I did pay on time and they lost my payment... which made this a late payment back in XXXX XXXX. 

Thank you!