davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase marketed their Chase Shappire Preferred Card as a 12 Month 0 % APR Credit Card. Instead of delivering on that promise, they defrauded me by giving me a debt intrument that realistically could never be paid back.
Consumer complaint received 2017-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.
Consumer complaint received 2021-11-12
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. (NY)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NJ)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eltman Law, P.C. (TX)

I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (GA)

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

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2011, I used XXXX XXXX bill pay to make a mortgage payment. The amount should have been {$1500.00}, but instead {$7500.00} was debited from my account. Over the last 9 days over half a dozen calls have been placed between the mortgage company, my bank, and me. Each phone call, the story changed as to the information needed. First it was a printout showing the money had ben debited and that the debit had posted. The it was a statement was needed. That can't be provided because the statement period hasn't ended yet. Next they demanded the running balance on my checking account. This was allegedly to show that we hadn't gone to XXXX asking for a refund as well. This was unnecessary, as a XXXX rep on a 3 way call had already verified that with bill pay, that was impossible. Then the next rep wanted a copy of the check, which only exists on their end. XXXX pays electronically, and their bank creates a check from that. They refuse to verify that on their end. Finally, on XX/XX/XXXX, the mortgage company said they will not refund the money. This is with them and XXXX verifying the amount, and that it was debited and posted to my account. Each rep we spoke to had a different set of rules and there has been no standard in requirements to correct the overpayment.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (FL)

Advanced Collection Bureau at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Special Financing Company, LLC (MI)

A man contacted me on XX/XX/21 claiming that I still owed Paradigm Acceptance Company, for a XXXX XXXX. I believe I've paid my balance full for the debt. The man was very rude with me, so I hung up. He immediately called me back I didn't answer, because at the moment I couldn't handle the stress from his rude behavior. I looked up Paradigm Acceptance Company, and it appears they are no longer in business. How can this man collect for a company that is closed? I don't remember the name of his " law firm. ''
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Hello, I have filed 3 previous complaints with the credit bureau regarding Carrington Mortgage. Carrington Mortgage bought my mortgage from XXXX XXXX XXXXXXXX somewhere around XXXX or XXXX. The home was foreclosed in XXXX. There was a surplus owed to me in the amount over {$21000.00}. But the money was not given to me. In other words the home was sold for more than it was worth. In XXXX, I submitted an application for an apartment and was asked if there was a second mortgage on the previous home. I said no. in fact, I lived in the home that was foreclosed on for 20 years and never took out a second mortgage. Lately, I have been receiving monthly emails from Carrington Mortgage. XXXX XXXX alerted me that Carrington Mortgage is on my credit record as active. The credit bureau has not dealt with this issue. The credit Bureau note to my credit reported that the matter was resolved. The credit Bureau has never reached out to me via email, us mail nor by telephone to inquire about the matter. I do not owe any money to Carrington Mortage and the report show show that there was a bankruptcy in XXXX. Thank you for your help. 

XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by Shellpoint mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage Shellpoint proceeds to report me delinquent during this protection period. They were aware of the COVID XX/XX/XXXX bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted Shellpoint regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (AR)

Monday XXXX XXXX at XXXX XXXX it was a 23 minute call. XXXX XXXX with Chase Receivables. I actually called him to explain the situation where the hospital had billed after XXXX XXXX and I had already paid my deductible. He starts talking over me and telling me my insurance doesnt cover that and get my insurance number and lets call them. I explained I had been in contact with them and PA about the situation and he is screaming at me and telling I will pay. We get on the phone with XXXX and his attitude did change somewhat after we were on the three way call. But when I was speaking with my insurance representative he told me to be quite. At this point I had enough and told him to shut up that I could speak. I just wanted to make someone aware that he is a very rude and intimidating man that shouldnt be working with the public. I can just imagine him calling elderly people and screaming and intimidating them. Our issue was put on hold because it was just like I explained to him but it took my insurance representative to tell him because he kept talking over me and screaming.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021 I opened a Venmo account for the purpose of exchanging money with coworkers when purchasing food. On XX/XX/XXXX my coworkers sent me XXXX dollars. After that, Venom suspended my account and I have been unable to use it. After numerous emails with Venmo support, I provided a picture diver 's license. Venmo has requested 90 days of Bank statements. Being an overreach of privacy I refused and provided bank account numbers and Debit card Numbers. To Date, XX/XX/2021 my account remains frozen, with only automated replies to my emails.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (GA)

This complaint is regarding a debt of which I XXXX XXXX advised the company XXXX XXXX XXXX XXXX XXXX. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave XXXX permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from XXXX In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving XXXX permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that XXXX " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by XXXX prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (SC)

This is Debt is not mine nor did I authorize this. I have a perfect history of paying debt on time. This is only debt on my credit that does not belong to me and it is reporting negatively. I am very disappointed this is on my credit report.
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC (TX)

Hi my name is XXXX XXXX, Date of birth XX/XX/XXXX, I own a XXXX  XXXX XXXX that was recently damaged due to the natural disaster in XXXX county and have been diagnosed disabled every since.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (LA)

After being notified of the XXXX XXXX data breach, and the offer to provide free credit monitoring services for XXXX years, I signed up with Experian for the free credit monitoring. 
I never agreed to them charging me after that XXXX year period. 
I have been charged since XXXX XXXX XXXX for recurring monthly payments of {$24.00} through my bank account. 
I do not recall ever giving them my banking information. In fact, if that would have been a requirement, I would not have done it. Nowhere on the website does it give the option to remove my banking information from their system. This is not acceptable. 
On Friday XX/XX/2024, the customer service operator that I spoke with at Experian frequently apologized that she was " sorry this has happened '', but provided me with no options other than filing a complaint. 
I was assured by the operator that someone would be reaching out to me regarding this issue. 
This has not happened as of today, XX/XX/2024.
Consumer complaint received 2024-04-03
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NV)

I have an American Express XXXX card expiring on XX/XX/XXXX. Last time I used this card was XX/XX/XXXX and the company suddenly closed the card on XX/XX/XXXX. The card was issued and used In California. 
I called the company and they said that the state closed the card. I asked for the reason and they were not able to tell me anything. I asked for the contact number, where I can dispute this. They were not able to give me any more info than that the state closed my card. 
I called the company on XX/XX/XXXX, and the agent said that her name is XXXX XXXX ( if that is true, it was clearly an XXXX call center ). 
I checked the law and I seems that it is illegal to close the gift card which I was still using. They completely closed my access to the account so I can't even check my transactions on this card.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I have been trying to get my money back from binance.us/en/home for over a week. They took deposits from my checking account but after I have followed their instructions they refuse to link my XXXX account so I can withdraw my us dollars from binance.us account back into my checking account through their ach. THEY ARE STEALING MY MONEY. PLEASE HELP.
Consumer complaint received 2022-12-16
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: LEXISNEXIS (MD)

LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy 18 months later its still being reported and supplied to such companies like XXXX i need an updated copy of my report showing these in accurate information ( Bankruptcy ) has been deleted off my accurint report
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lakeside Recovery Solutions (MD)

Lakeside collection services will make repeated calls one after another without leaving voicemails, they reach out to family members via phone to tell them if I do not pay them they will sue me and I need to contact them immediately as well as going into detail about how much I owe and for what. Family members are not or were not on the XXXX credit card from 2015. Also this debt has been taken off my credit report.