davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BROKER SOLUTIONS, INC. (CA)

I have flood insurance with XXXX XXXX and since XX/XX/XXXX I have been going back and forth with my mortgage company " New American Funding '' and XXXX. after 35 phone calls, 3 ways calls with both companies I've had it! New American states they do not have the policy, XXXX states they do not have payment, so after months now finally thought I got this all straighten out, until I received a letter form New American stating I do not have proper flood insurance and will be provided FEMA for a new charge of {$2500.00}. I call New American today XX/XX/XXXX, and was told all the have is the Declaration page from XXXX but they need the entire policy " 60 '' pages. I called XXXX and they are not open due to the holiday. This information should have been provided months ago and I should not be the one penalized for both companies error. I have spoked directly with the owner of XXXX last month and was assured this was all ok and corrected. So I am making two complaints first with New American Funding, and with the flood insurance carrier XXXX. I will not be put under stress like this anymore and demand this back and forth with these two companies to stop. I have spoked with my broker of my house and she helped me last month but after receiving this notice that I will now be signed up with FEMA and charged the outrageous amount I have had it!
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

Portfilo Recovery Associates purchased my debt from XXXX XXXX 

On XXXX my representative, XXXX contatced PRA and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. PRA did take payments on XXXX, XXXX. PRA stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but PRA will not remove the collection from my credit report.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I applied for the XXXX XXXX XXXX XXXX from Synchrony Bank with an offer of XXXX XXXXXXXX XXXX  for spending {$3000.00} within the first 3 months of card membership. I was approved with a credit line of {$1500.00}. The main issue I encountered was the bank refused to free up my used credit line even a week after my payments had been posted. It was very annoying to not be able to use my card for purchases due to both the very low credit line and extremely long time for my available credit to free up even a week or more after my payment had been posted. 

This was especially apparent in the last few weeks of the offer period where I simply could not charge enough to the card to reach the advertised bonus since I was given a quite low credit line and had to wait an unreasonably long time for credit to free up even after payments had shown as fully processed. I ended up being able to spend {$2900.00} out of the {$3000.00} required for the offer. I called the bank and explained the situation hoping they would make an exception since their system simply did not allow me to do the necessary spending. They said they would open a case and get back to me but I never heard back. This was back in XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One was directed to deny all calls requesting the account to be unlocked. XXXX weeks has gone by and after submitting photo identification and providing all pertinent information they are still not unlocking the account which is now past due and they refuse to help. I had bills that were linked to the card which are now past due causing me substantial late fees and having utilities shut off. I attempted to use the card and every time is gets flagged for fraud because of some spiteful law enforcement and a few other nasty indiviuals calling and telling capital one that the primary account owner is incompetent as they sit here and steal from him. Capital One is discriminating based on a third-party 's slanderous lies. The total damage caused by this discrimination is almost XXXX XXXX dollars including late fees.
Consumer complaint received 2024-03-15
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. (TX)

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I paid a bill on the XXXX XXXX XXXX website as they use this service to pay medical bills. XXXX took the money out of my Chase Bank Account and never paid the provider. They only recently notified me that XXXX was not set up for automatic payments so they claim they sent a paper check, but no paper check was received either. My account at XXXX was never credited and they have still not received payment, I am demanding the return of my money from XXXX. I NOTIFIED CHASE BANK, XXXX XXXX XXXX AND NOW THE CFPB OF THIS SCAM,. 


Transaction details Close transaction details ACH debit - {$25.00} Transaction date XX/XX/2023 Posted date XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-08
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. (PA)

The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-08
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. (PA)

The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I got a american express business card specifically for the no interest for the first 12 months. I setup on auto with a rep over the phone. I was informed a few days later that I still needed to make the XXXX payment so I setup the auto payment AGAIN. I am now finding out that I am being charged all the interest for the XXXX 12 months of interest fees which totals to over {$2500.00}. I told them that XXXX setup the auto pay and they said theres nothing they can do. I got this card and planned to pay it off and pay off the balance every month for years to come.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (CA)

On XX/XX/XXXX, I received correspondence from ATG Credit LLC, alleging a debt of {$6100.00} purportedly owed to XXXX XXXX, a entity now under the ownership of ATG Credit LLC. Following this assertion, I promptly initiated a dispute, seeking both a documented agreement and thorough debt verification. In response, ATG Credit LLC forwarded a copy of a bill submitted to my insurance. 

I communicated to ATG Credit LLC that I possess no familiarity with XXXX  XXXX and have never granted consent to engage with their services. Despite this, ATG Credit LLC insisted that the incurred lab work was initiated by my Primary Care Physician ( PCP ). Notably, the bill attributes the request to a doctor who has never served as my PCP. 

Regrettably, ATG Credit LLC continues to demand payment for a debt I assert is neither valid nor legitimate, accompanied by a forewarning that my account shall persist in an unpaid and delinquent status. Subsequent investigations have brought to light a concerning pattern wherein numerous individuals have reported unexpected medical debts from ATG Credit, all associated with XXXX XXXX entity notorious for its involvement in medical fraud. 

This situation not only raises serious questions regarding the legitimacy of the debt in question but also casts doubt on the practices of ATG Credit LLC in conjunction with XXXX XXXX. I am steadfast in my stance that the purported debt is fraudulent, and I anticipate a prompt resolution to rectify this erroneous claim.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX Collections {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Accounts Retrievable System, Inc. (NJ)

I'm currently being sued by XXXX XXXX  through XXXX XXXX XXXX, XXXX in XXXX, XXXX court system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent 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
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (CO)

We reported a fraudulent charge, to KeyBank Fraud Services, of {$3000.00} on my KeyBank credit card in XXXX of XXXX. The charge was listed as being a " convenience check '' cashed for {$3000.00} and carried a " convenience check fee '' of {$120.00}. The KeyBank Fraud department was unable to provide a digital copy of the cashed check, to confirm signature, but informed us that it was written to a XXXX XXXX for home improvement. Suffice it to say that we do not know a XXXX XXXX and we have not been undertaking any home improvement projects. We live in a rural mountain area outside of XXXX, CO and our mailbox is in a row of boxes along XXXX XXXX XXXX about XXXX mile from our house. During the pandemic, we did experience mail being stolen from the box, so I suspect that the " convenience check '' was likely XXXX of those that banks send, as a promotion, to transfer balances, etc. 
KeyBank issued a " provisional credit '' to my account on XX/XX/XXXX and sent me various instructions to follow-up on the fraud, including an affidavit that needed to be notarized, etc. They then reversed the " provisional credit '' on XX/XX/XXXX. The KeyBank paperwork, including the notarized affidavit, was mailed and e-mailed to KeyBank Fraud Service on XX/XX/XXXX and assigned case # XXXX. Nothing happened, so I followed up with KeyBank and they claimed that they did not receive the originals sent snail mail. I re-emailed scans of the documents to them, and they finally acknowledged receipt of the email in XXXX. I checked in with them several times by phone and the rep on the last call said that the case was now out of their hands and that I had to contact XXXX, XXXX, or XXXX. I continue to received almost daily collection calls from KeyBank and it has appeared on my credit report. 
Note : The original credit card number that had the fraud charge is XXXX XXXX XXXX XXXX. They moved the balance to a new credit card number XXXX XXXX XXXX XXXX and this is the number on the current statements.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

XXXX and The Home Depot are violating my privacy rights as a consumer. XXXX continues to report a late payment in XX/XX/XXXX. This is the release of my nonpublic financial information. Furthermore as a federally protected consumer I am now opting out of my nonpublic information being shared.15 U.S. Code 1637 says consumer credit cards are opened ended therefore it is impossible for me the consumer to be late upon this consumer credit account.

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Consumer complaint received 2017-05-08
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (GA)

Spoke with agent    XXXX   XXXX   XXXX    to request forebearance. Loan agent stated that forbearance was good until   XXXX   XXXX   XXXX  .  Letter added to a ccount stated a forbearance ended    XXXX   XXXX   XXXX   . I called back to have them update the letter and make it consistent with information given to me from call in   XXXX  . Agent refused and continued to offer me another forbearance. They would not correct their mistake on my account.  Navient is c aptializing on students by not honoring the verbal agreement. This is not the first time this has been done. This has been done to my account around   XXXX   XXXX   and a forbearance was placed on my account that I did not request in   XXXX   XXXX  . So again they capitalized interest without my permission and when my account should have still been in forebearance. In a matter of 9 months this company has attempted to place my account in forbearance 4 times. CFPB needs to do a better job at getting students reimbursed all of these excessive fees that this company adding. Navient is not correcting their mistakes they are charging the loans of persons like myself for their mistake . Navient has made it difficult to continue the current loan repayment program. It  is difficult to navigate their system and its difficult to distinguish between the different loans. All of the loans have the same number. When you are talking to an agent many times they are only servicing  one set of loans, but tells you that the current transaction is covering all of yo ur loans. So the student ends up with late fees because the agent translates in writing that only a certain set of loans were covered so the student ends up with late fees. The date given over the phone of your forbearance is not consistent with what they put in the PDF file.  Navient did  not make it clear that the information that you received over the phone does not come to your regular email address but it goes to the inbox located on their website. Again yo u may be rece iving notifications to your regular email and you think that this is just a reminder of the conversation that you had with the agent and when you go and check the website information it is then that you find that the information given over the phone is not consistent with the documents they have online. This is intentional and helps them to continue to collect fees on students. The make the process so cumbersome and their company will profit more on fees that people are paying on these loans than the loans themselves.
Consumer complaint received 2017-05-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (RI)

My personal information was compromised in  XXXX   2016 . As a result, several credit inquiries were made that were not authorized.  XXXX  of those unauthorized credit inquiries appear on my Experian credit report. I have notified Experian and asked to have them investigated and removed, but they have not responded or removed the hard inquiries. It has been over 30 days since my third and most recent request to Experian.     I am attaching all three communications that I faxed to Experian. I can provide fax confirmations if necessary.