davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.
Consumer complaint received 2024-03-11
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 (IL)

On Wednesday, XX/XX/XXXX, I received an email from XXXX requesting that I confirm my residential address. The address on Capital 's file is NO longer my residential address and has NOT been my residental address since XX/XX/XXXX. I called Capital One ( XXXX ) XXXX, to update my current address. I stated my current address. I explained that I have NEVER received my replacement card ( XXXX ) for neither of my expired credit cards. I have encountered this situation numerous times with CapitalOne respresentatives, Capital one automated system states I was mailed/Sent a New Card ( XXXX ), but I have NEVER received any cards from Capitalone. I have absolutely NO idea where Capital One mailed/sent the cards. It is ironic that Capital One has absolutely NO problem accepting my on time Membership payments. The security is OVER Kill!!!! I feel it is discriminatory practice against me a XXXX man. 
This must be shared with others, to determine if in fact discrimination is involved. I do not engage in corruption/fraud activities. I have kept my accounts in good/excellent standing.over 10 years.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received a letter from Chase bank stating that all my accounts will be closed on XX/XX/XXXX. I have 1 saving, 2 checkings, 1 credit card, and my XXXX children XXXX years and XXXX  years also has an account. I have been with chase since XXXX and I have maintained a good standard with my credit card payment and have not missed a single payment. I have not in any way been involved in any form of fraud or illegal business. I have not exceeded my credit limit and I have maintained less than 10 % credit usage. I feel so bad that chase will wake up one day to close my account and that of my kids. I have been to their local branch for an explanation, but they could not give me any reason. I could the customer service and the agent I spoke with tells me that no one in chase back will ever tell me the reason for deciding to close my account and my kid 's account
Consumer complaint received 2023-08-17
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: Climb Credit Inc. (MI)

In accordance with the fair credit Reporting. XXXX  XXXX, XXXX, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. 

Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.
Consumer complaint received 2018-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

The collection agency LVNV funding has been calling and threatening to ruin and damage my credit if I dont pay them. I have asked numerous times not to call anymore and that I will be filing a lawsuit against them.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (TN)

For the past two years, I have being paying {$30.00} to Premier Student Loans and I discovered that none of my payments have been made to reduce my loan. This started around XX/XX/2017 and after speaking with XXXX XXXX, they told me they haven't received any payments from me and I have been making these payments to them.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ID)

On XX/XX/XXXX I filed a fraud claim through XXXX XXXX XXXX XXXXn person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX XXXX  First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

I was guided through a process which led me to transfer money via Zelle to an unknown XXXX XXXX account. XXXX XXXXXXXX XXXX advised that the investigation could take up to 10 business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been 10 business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX XXXX. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX XXXX is unable to help me recover my {$3500.00}. 
I am disabled and having anxiety attacks due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I was mailed a statement from Wakefield and Associates for {$1100.00} in XX/XX/. After reviewing the details from the statement I was issued, I contacted an attorney through XXXX / XXXX in XXXX, Colorado. My attorney drafted a letter on my behalf and mailed it to Wakefield and Associates on XX/XX/ which concluded with the following statement " For now, and until instructed otherwise, ( my name ) asks that Wakefield, and/or any agents on its behalf, communicate with her directly about this issue. Such communications should be reduced to writing and mailed to the address set forth above. ( my name ) demands that Wakefield make no attempt to contact her by telephone. '' Wakefield and Associates contacted me via phone yesterdaXX/XX/XXXX at XXXXMT to inquire about the statement that was mailed to me in XXXX. I did not respond to the gentleman 's question. I simply replied that I was at work and did not have time at the moment to speak with him and ended the phone call.
Consumer complaint received 2018-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TN)

I bought my home in XX/XX/XXXX I used the VA Home loan and I am a XXXX   veteran. I have made all my payments on time the entire time I have owned my home. In XX/XX/XXXX, my house payment was kicked back to my account. Unbeknownst to me, SWBC changed the payment portal website and did not notify me in any way. When I called to find out why my payment was sent back to my account, they told me that they have a new payment portal and to use this website from now on. So by the time my payment was processed again it processed on the 31st day so it was late. I paid XX/XX/XXXX and XX/XX/XXXX payment together and I was told I was current and up to date.

I go to purchase another home utilizing a different company and on my credit report it showed XX/XX/XXXX was late. When I go to dispute it, it was taken off and then moved to XX/XX/XXXX on my credit report. SWBC refuses to write any type of letter saying that my account is in good standing and current when it is. I have nothing late and the one payment that was late would not have been had it been processed the first time and I was notified of the payment portal change. I feel like they are hindering me of a purchasing a new home with a different company.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (PA)

I have reached out to both the original creditor and the collection company about the debt. I had cancelled gym membership with XXXX XXXX in 2018, last year they came looking for {$96.00}. I told them i didnt owe the money. now that its in collections nobody will respond to my validation letters.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX XXXX with purchased out of state in Arizona from Kia dealer to be registered with XXXX  where I reside on XX/XX/XXXX. Kia made a mistake on original title registration with wrong middle name spelling with XXXX  DMV. I dont know if this is the fault of Kia Finance or Kia Dealer but it resides with Kia regardless. This further delay for Kia to receive updated title from Arizona. I had to call Kia Finance to trigger a state to state transfer. The request was not processed properly multiple times at which point I had to call in 11 times totaling 144 minutes. I have yet to get the title sent to Texas DMV. Texas DMV requires registration of car within 30 days of purchase or there will be fines levied on the owner for every 30 days elapsed. Currently it's been over 6 weeks or so and closing on the 2nd layer of fines assuming I get the title prior to the XXXX of XXXX. I have spoken to countless supervisors but each and every time I call, I get a different status, different excuse and different next steps of which some are not executed. The total fines levied on this transaction has now exceeded the total interest to be paid on the life of the Car Loan. Have I known how troublesome this was going to be, I would have just paid for the car in cash.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (MD)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I tried Navient 's customer service hotline, but they do not work on Saturdays. My prior bills showed some unpaid fees that are been carried over to the next billing cycle, mostly late fees incurred during the processing of prior IBRs. When I paid in XX/XX/XXXX, I included the total amount due on the billing statement, including the carried over unpaid fees. The amount paid reflected the EXACT total amount due in the bill. To my unpleasant surprise, the bill for XXXX payment was for the exact same amount of the bill for XXXX statement, showing the " unpaid fees '' like they were never paid. How did they apply the payment? I do not know. But I remember something similar happened to my elderly dad with a mortgage loan. When he went to inquire about the payoff of his mortgage, he was told that all of his advanced payments were unilaterally applied to interest. Someone needs to look at these unfair practices. The intent of my payment was pretty obvious. It was made for the TOTAL AMOUNT DUE indicated in the bill. I am hoping to get someone in CFPB to look at this because there may be other people affected. I am on an IBR. By them not applying my payments accurately to the total amount due, they are effectively over-billing for an amount that is almost double the monthly payment as per the approved IBR. Please help.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (CA)

I am requesting Account Number XXXX to be removed immediatley because of the violations commited by Nartional credit Management in their communication attempts. National credit Managemnt is in violation of 15 US Code 1891s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), US Code 1692d ( 2 ) ( a ) and 15 US Code 1692c ( a ) ( 1 ). I ask for the immediate removal of the account off from my credit file.
Consumer complaint received 2022-01-21
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-20
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. (NY)

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX OF THE XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I transferred XXXX points that I had on my chase southwest credit card to my wife 's account. Now the credit card company charging {$600.00} for no reason. I filed a complaint with credit card company chase unable to resolve.
Consumer complaint received 2022-01-20
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: DISCOVER BANK (GA)

I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS XXXX AND DISCOVER LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY