davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dressman Benzinger LaVelle PSC (KY)

On XXXX was served court papers by DBL Law for medical debt owed to XXXX XXXX, in the amount of XXXX Contacted DBL law XXXX and was advised the amount was for service on XX/XX/17 for XXXX XXXX and XXXX XXXX and that the minimum I could pay in order to settle the debt was XXXX per month. 

I advised the lady I spoke with that this was rather confusing because I had been making payments directly to XXXX XXXX totaling XXXX per month The representative at DBL law stated there was no indication any payments had been made and that she would contact XXXX XXXX and confirm XXXX she called me back and advised that yes I had made payments totaling XXXX cents and that the amount I still owed was XXXX but that they also wanted me to pay court costs on top of that totaling XXXX I should not be held financially responsible and asked to pay court costs due to the complete lack of communication from dbl law and XXXX XXXX when clearly when I got served on XXXX more than half of the debt had been paid. 

I have called DBL law 10+ and took a week to receive a call back. I paid the court costs in order to avoid having to deal with the unethical business practices of both XXXX XXXX and dbl law but would like the court costs to be refunded.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX )
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

SOUTHWEST CREDIT SYSTEMS, L.PXXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXXXXXX  phone bill that was 7 years old. I told them. I typed up a letter and sent it to them via certified mail requesting proof that I owed them. I also requested they send me the origibal contract with my signature. I mailed the certified mail int he beginning of XXXX. I have not heard from them again, However they reported to the credit companies and now I have this ruining my credit which cause my credit score to drop significantly. I also disputed with XXXX which deleted it but as of XX/XX/2022, XXXX placed it back on my credit report which caused my score to drop again.
Consumer complaint received 2021-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mid-Atlantic Finance Co., Inc. (AZ)

XX/XX/2021 auto loan thru mid atlantic was dismissed from my credit report. Today ( XX/XX/2021 @ XXXX XXXX ) they tried to call me a reopen an account that had already been thrown out. Once they throw it out they shouldn't be legally allowed to reopen anytime they want. I don't think thats right.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

capital one is reporting to XXXX, XXXX, and XXXX  that I was late on my credit card ending in XXXX for XX/XX/2021. I was never late and i have attached a credit card to prove it. Please reverse the payment history into good standing and not late. it is ruining my credit worthiness to buy a home and violating my consumer rights under the fcra section 605b
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (PA)

I was charged XXXX to my CitiBank credit card from XXXX in early XXXX. I disputed the charge, which I didn't make, almost immediately. The company initially removed the charge but notified me today, XX/XX/XXXX, that they were reapplying the charge to my account because they received evidence from the vendor that the item was delivered to my home. ( The charge was actually reapplied to my account on XX/XX/XXXX ; I suspect they didn't notify me until today so that no one would be available to respond to my complaint because of the weekend and holiday. ) I don't know what this evidence is- I did not purchase any merchandise from this vendor for this amount. ( The last XXXX purchase I made was in fall of XXXX for approximately {$40.00}. ) I called the fraud division today and held for 10 minutes before the call was disconnected ; I later learned that the office was entirely unstaffed today, so my time holding was a waste and a ruse. Then, I called the dispute department and spoke to a representative named XXXX. I asked to speak to his manager, and he kept me on hold for approximately 10 minutes, telling me the time to speak to a manger was 15 minutes. When I asked why the wait time wasn't going down, he told me that no managers were in the office, that I would not be able to speak with a manager, but that he had been instructed to tell me I was in the queue for a manager until I got fed up and hung up. This company has stolen my money and time and disrespected me every step of the way- please help me get my money back, and please encourage them to change their business practices to treat customers with basic honestly and respect.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened a Citi Business checking account in XX/XX/XXXX and another in XX/XX/XXXX after that first account was closed due to fraud. I completed several transactions for business purposes with this new account. I then received a surprise letter from the Citi Fraud Prevention department dated XX/XX/XXXX. This letter stated that my account would be automatically closed within 60 days from the date on the letter. I called the fraud department hotline listed on the notice the day after I received the letter to find out the cause of the closure but was told that a reason could not be provided and that, as stated in the notice, I had to wait 60 days. According to the letter, my funds would be sent to me directly after the account closure to my home address listed on my account. The representative also confirmed I would receive a check for the remaining funds. I also received a final statement for the account for XX/XX/XXXX, through XX/XX/XXXX, showing that the account was officially closed out and had a final total balance of {$900.00}. 

I called the fraud hotline on XX/XX/XXXX, to check the status of the check owed to me per the notice. I was told by a representative named XXXX that he could see the check was issued and I was asked to allow it another 7 days minimum to arrive. I was even told I would be followed up with about this matter. I never received a call or email follow-up. I called again on XX/XX/XXXX, when I still had not received a check. I was told by the representative XXXX during this call that my account stated I was not entitled to any funds from the closed account. This of course contradicts information I received in the letter from XXXX of XXXX and in a previous call to the fraud department. I asked where the money was sent to and the representative informed me she couldn't provide any more information to me. No other correspondence occurred at any point alerting me that I would not receive my funds from the closed accounts.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to TRANSUNION letting them know that they were reporting false information on my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. According to the FCRA I have a right to a completely accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : 1 : XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$62.00}
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (IL)

I have previously submitted a complaint for this account to XXXX XXXX and they closed their account and sold it to Lockhart, Morris & MONT. I do not owe this debt a former stepdaughter did. I ask for proof of debt from Lockhart and they have not provided it. But they continue to flag my credit account as collections refer to previous complaints on my account for you
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

My family has 3 accounts with chase bank. Today I find out they had put a restriction on all 3 accounts and closed them and I was not notified and when I found out no one can provide me with any answers and I talked with multiple people and even went to a branch. The last person informed me that our funds which total approx {$1500.00} would not be available until after XX/XX/XXXX. Not sure what else I can do
Consumer complaint received 2021-03-19
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. (IN)

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX XXXX  card and I have never missed a payment I have filed a dispute with experian, XXXX  and XXXX  about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX credit card and I have never missed a payment I have filed a dispute with XXXX, XXXX and equifax about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX around XXXX pm I pulled up to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa. The machine gave me a receipt and never gave me my card back. I discarded the receipt because I thought it would post to my account. 
Two days later my money never posted to my account.

Over the phone I was told be a specialist that she can see my money in visa and its going to take a little longer to get to me, she said call back the next day and they will credit my account ... needless to say this didnt happen. 
I went to XXXX XXXX XXXX XXXX they told me to call my bank navy federal credit union. I called my bank they said they would put an investigation in but never got back. When I called they told me I would have to call XXXX XXXX XXXX XXXX to ask them if they had an overage. Whats the investigation for if I HAVE TO HELP INVESTIGATE!
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I recently signed up with Synchrony Bank thru a zero interest promotion when purchasing replacement windows. When I applied for the line of credit, there was no mention or documentation that was provided to me about a {$29.00} activation charge for the account. Upon receiving the actual credit card and T & Cs and the first bill I noticed the activation charge. 

I have reached out to Synchrony Bank to have the fee removed on XX/XX/2020 at XXXX. 

I received a response on XX/XX/2020 at XXXX from XXXX XXXX declining the request as this is a common business practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX that I currently have another open account with Synchrony Bank that was opened without any activation fee. I also advised I have had Numerous accounts Over the years and not once was I charged an activation fee. I also reminded them that this activation fee was not disclosed at time of signing up for the account and this type of activity by Synchrony Bank could be viewed as cramming. I once again requested a refund for the charge. 

I received a reply on XX/XX/2020 at XXXX from XXXX XXXX once again declining the request as this is common practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX once again explaining my stance and if I did not receive a refund within 5 business days I would be reporting this fraudulent business practice. 

I received a reply on XX/XX/2020 at XXXX by XXXX XXXX explaining that due to the nature of my inquiry, they had escalated my request to their corporate offices for handling.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Upstart Holdings, Inc. (OR)

Upstart Network Inc has been unresponsive to my many request to remove their incorrect posting from my credit reports. They state I have charge off balance owed in the amount of {$33000.00}, this account was discharged in my bankruptcy filing XX/XX/2018. I've contacted the Credit Bureaus and I have contacted Upstart Network Inc multiple times and they continue to report this incorrect debt on my credit reports.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (NJ)

In XX/XX/XXXX, I purchased a home using a conventional mortgage from Valley National Bank. I entered into an agreement to escrow my property taxes. The bank has failed to pay my property taxes on time since closing. This covers two tax quarters, both delinquent and one remaining unpaid. 

On XX/XX/XXXX, I realized my property taxes were almost a month late. I was instructed to email XXXX XXXX, a manager at one of the branches, and informed him of the delinquent tax payment. The bank then overnighted the payment. 

In XXXX XXXX, I was, yet again, informed by my XXXX that my next quarter tax payment was delinquent. I informed Mr. XXXX of this error. He informed me they would overnight the check. On XX/XX/XXXX, my taxes were still unpaid with no check received. I was informed the check was mailed to the wrong address and they would overnight it again. The bank then suggested I take my taxes out of escrow and pay them myself going forward. Which I find completely unacceptable. The agreement I entered into with Valley was to escrow my taxes. I should not be forced to pay my property tax payments myself. 

On XX/XX/XXXX, I was, once again, informed by my XXXX that my property tax payment is still delinquent. No payment was received from my bank as of today. 

If I, as a mortgagee, was delinquent with my payment I would be heavily penalized and my home in danger of foreclosure. Valley should not be allowed to continue mishandling my money and violating our lending agreement. 

XXXX XXXX has been kind and responsive, but Valley continues to display a lack of administrative capacity in managing its escrow accounts. I also uncovered major errors during the application/closing process, which seemed to have been a precursor to their administrative ineptness. I would caution all consumers from working with Valley National Bank.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

The Servicing company monthly statement dated XXXX/XXXX/2021 invoiced me for a " Total Amount Due '' of {$1800.00} ; the " Explanation of Amount Due '' itemized the payment as follows : Principal : {$1100.00} ; Interest : {$5.00} ; Escrow : {$680.00} totaling the amount due of {$1800.00}. The amount ( {$1800.00} ) was paid on XX/XX//2021. The principal portion represented the final remaining unpaid principal balance of the loan thereby satisfying the mortgage. Loancare, Servicer, collected the funds and placed them in an account they called " Unapplied Account '' and proceeded to deem the loan as past due.They commenced collection activities and actually sent several certified mail to my home deeming the loan as " Past Due '' and also reported the delinquent status to Credit Reporting Agencies. I have just received a Disbursement Notice from them stating they paid the quarterly taxes which will become due on XX/XX/XXXX, 2021. have sent four messages to their website and no action ; Clearly, the company is another Hustler in the mortgage business relying on computers to do the servicing. I am seeking my satisfaction piece and the return of my original documents. Humans are unreachable at this company. 
ATTACHED PLEASE SEE THE XX/XX/2021 STATEMENT/INVOICE AND THE TAX DISBURSEMENT PAYMENT NOTICE
Consumer complaint received 2024-04-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MA)

Someone used my identity to open a savings account at Marcus by Goldman Sachs bank. They opened it on XX/XX/year> and deposited {$1.00} into it. I found out because I got a statement letter in the mail. I called Marcus bank immediately and spoke to XXXX different people who were extremely unhelpful and would not give me any information about how someone opened the account or what information was used to verify my identity. They told me they would not give me any information unless I send them in the mail a police report, FTC report, and written request for information. They clearly lack competency and rigorous standards for preventing identity theft. I asked them to close my account immediately. I am extremely dissatisfied with the way they handle fraud and the lenient standards they keep for allowing people to open accounts.