davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KS)

I have a 2nd mortgage. I had an insurance claim. the 2nd mortgage company held the insurance claim payments and required the contractors to provide a waiver of claim. I then had to pay the contractors out of my pocket for the work. The work was completed. The work has been complete for a long time. It took about a month for them to send and inspector and now it has been 2 additional months and they still have not released the funds. The original roof contractor completed the work 2 years ago and that was cleared by XXXX. But the loan was sold by Loan Care and they are holding the check because of them saying they do not have all the information and the roof contractor is no longer in business in my town. They are holding over {$17000.00} and the loan amount is {$16000.00} plus. They have all the waivers of claim from that contractor and the other contractors but they sitll will not release. I call almost daily and get the same song and dance corporate has to approve. While they are holding that money without interest they are charging me interest on the 2nd mortgage. If they would not have held the checks I could have paid off the mortgage with the funds I had to pay out of my pocket to get the work done.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

I filed a chapter XXXX debt repayment plan. After I filed this and a court order was issued I began making payments. While making payments I received a letter from citi card showing I was overcharged on interest and a refund was credited to my account in the amount of {$690.00} I contacted citi and notified them that I had a court order and that I was making payments under it. They told me I needed to contact my trustee and have him adjust my account. I contacted my trustee however he told me he could not change the amount of payments being made since a court order had already been issued. Now the the chapter XXXX has been paid in full per the court order citi card still has the excess funds of {$690.00} that were credited to my account. I have made multiple phone calls to citi card spent hours on the phone and they continue to transfer me to their lawyer who has no record of my account. I have also left multiple messages with XXXX XXXX at citi who has not returned my calls. Its apparent that citi has no intentions of returning the {$690.00} I had overpaid in interest so I am submitting a complaint hear to help others avoid having similar problems.
Consumer complaint received 2020-03-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

A Company Professional Bureau Of Collections of Maryland , Inc. Is  trying to extort money from me on a alleged debt they say i owe. I don't know how they got my information but they are sending me personal information. I ask them to cease and deist but they are refusing to leaving me alone. they are not threatening me to pay. I filed and identity theft report with the FTC identity theft department. I don't know how they got my information i wanted to pay for sending misleading and false information under the FDPCA. I never signed any contracts with this company ever in my life. They stole my Identity to get my personal information.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

US Bank has charged over {$4000.00} in fees to my account in 2019. I asked them to 1 ) refund / waive the fees or portion of the fees to my account and 2 ) adjust the account so there is no curtesy coverage for when the funds go into a negative ( return the payment do not honor if it brings my account into a negative ). 

US bank assessed fees and other costs even when they plain returned the payment and did not honor it. As other times, they haphazardly honored certain transactions but dishonored others. There is no steady service in this regard as they never know what payment will be honored and what payment will not be honored. Regardless they always charge fees and I suffer damage. 

So, I asked to evaluate the fees total of {$4000.00} for 2019 and make remedies but no response as of now. 

My account does not deposit more than {$4000.00} into the account on monthly basis and often less than {$4000.00}. I believe {$4000.00} a year in fees assessed against such a small account works to shut down my business as a sole-proprietor as it is excessive. Need your help addressing the issue and figuring out the motifs.
Consumer complaint received 2023-02-04
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. (CO)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/XXXX I paid debt in the amount of {$170.00} in full. Paragon revenue group in XXXX XXXX XXXX  in XXXX nc. stated it would be removed from all 3 credit bureaus in two to 4 weeks. Or 30 days, however in some cases it can take up to 45. It is XX/XX/XXXX. 4 months later and the payoff is not reflecting. The debt still shows open and reporting to the 3 bureaus. When I called them back I had to leave a message on Friday, XX/XX/XXXX at XXXX et because I was told the collections ladies were not available. I received a call on Monday XXXX XXXXand but had missed it and called back. I stated I missed a call and the man said hold on and transferred me. A lady then picked up and harshly said hello and argued with me for a couple minutes about how I had told her she had the wrong number. I did not have this conversation since she repeated the number she dialed back to me and it was indeed wrong. She then proceeded to state it's up to the credit bureaus to remove the negative reporting and they had requested it once and sometimes it takes many requests to have it removed. Paragon has a due diligence to ensure this is removed from the credit bureaus.
Consumer complaint received 2024-04-07
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. (GA)

XXXX, Experian, & XXXX are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (NY)

A debt of {$280.00} that was paid off and closed last year was not removed from my Experian credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.
Consumer complaint received 2024-03-31
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. (GA)

XXXX, Experian, & XXXX continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (TX)

There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
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: Fidelity National Information Services, Inc. (FNIS) (AL)

I received a copy of my consumer report from ChexSystems stating that there is a inquiry from XXXX on the behalf of XXXX XXXX on XX/XX/2020. On top its says viewed by others. I've never gave written authorization/permission for this furnish on my consumer report. This is a violation of my privacy, to furnish something on my report without my written authorization, As a consumer I have the right to privacy and ChexSystems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of XXXX XXXX.
Consumer complaint received 2021-08-31
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. (PA)

I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

Equifax - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I've made disputes with all credit bureaus, Experian is the only one who keeps reporting innacurate information with my XXXX XXXX XXXXXXXX Account, and reporting an address that I've never lived at. All credit reporting agencies have deleted the incorrect address on XXXX XXXX and report XXXX XXXX XXXX as a closed account. There is also a collection from XXXX XXXX XXXX for this address that I never lived at, and although I show them proof of where I lived in the USA, and even that I was working out of the country, they continue to report this false info.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (FL)

This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. 
Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. 
Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. 
Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. 
My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. 
The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). 
We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. 
We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.
Consumer complaint received 2024-03-31
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. (GA)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Called to get student loan refund under CARES Act XX/XX/XXXX. I was told I would receive confirmation or updated balance within 4-6 weeks. I called them again XX/XX/XXXX and was told it could take weeks or months longer. There is no accurate timeline given and no progress in refund process. Other service providers are processing within 4-6 weeks.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received notice recently that My capital one credit card has been closed by the bank. I previously was going through a dispute with a furniture store called XXXX XXXX. I purchased the Mattress on this credit card but returned it and the company was giving me a hard time about my refund. All of this was communicated to Capital one as I was disputing these charges. I recently got a full refund from XXXX XXXX   which was the only transaction I had made on t he card. That said capital one has charged me late fees when in reality I shouldn't even have a balance and XXXX XXXX gave them a full refund ( statements attached ). Now I have a closed account that has negatively impacted my credit score all over charges I shouldn't have. The balance remaining on the card come from Fees and interest that I shouldn't have been charged in the first place. I've called and visited multiple branches and no one appears to be able to help me. 

I have also attached an copy of an email exchange I had with the Department on consumer affairs here in XXXX XXXX  XXXX showing that the balance was refunded.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One offered me to participate in a 90 day hardship program which didnt require me to make payments for 3 months. However I continued to receive calls about my payments being late. Capital One reviewed my case and found an error in the phone call describing the program. Although they found errors in the call with the representative, confirmed I received incorrect information, and updated my payment amountthey would not remove late payments on my credit report. Ive has this card 16 years and would not intentionally pay late if I didnt believe I was in a program that allowed me to skip payments for a period of time.
Consumer complaint received 2020-03-02
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. (FL)

This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you
Consumer complaint received 2020-03-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (TN)

I opened an account with Mariner finance on XX/XX/XXXX and I wasn't able to make the payments due to personal reasons and The first time they called, I offered to pay over the phone but they didn't take debit cards over the phone, only through ban account. I wasn't comfortable with that and they continued to call me continuously for a few months. After that, they ran fraudulent inquiries on my credit report which I did not authorize on XX/XX/XXXX and again on XX/XX/XXXX. I paid my bill on XX/XX/XXXX and on XX/XX/XXXX, I received a letter threatening to sue me and to pay the amount in full. I called the company and asked why they kept running inquires on my credit report and they said that they had to run it because they hadn't heard from me. I asked them to remove the inquiries and they did not, even after the debt was paid. they also made my credit score drop 116   points.