davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

InXX/XX/XXXX, 2 letters were delivered to XXXX XXXX and Equifax stating that an old inquiry still hasnt been removed from my Equifax Credit Report. XXXX XXXX completed a credit report inquiry in XX/XX/XXXX. Equifax should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
Consumer complaint received 2018-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I have been with TD Bank ( US ) for more than five years and then I received a letter from them on XX/XX/XXXX that they will close all of my accounts including my credit card accounts for no given reason. I did call the number was attached and the phone number was XXXX and I was told that they have the right not to give me any reason. I believe my right was violated and I was discriminated Because I have a XXXX XXXX XXXX name I never had any check bounce or overdraft in the last five years and I always have an extra phone in my accounts. And TD Bank representative told me that banking in in the United States is a privilege not a right which I could I was absolutely shocked by his answer.
Consumer complaint received 2018-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX is disputed they sell debt to portfolio recovery I dispute portfolio recovery for proof that this account is mine which it is not they send me invoices with no signatures on them I contact credit companies the verify I ask portfolio recovery for a actual signed contract with my signature they do not have I ask XXXX XXXX they do not have I ask credit reporting companies they do not have I made off to settle three time just to clear my credit reports and remove account from them completely no response { Under section 623 { a } { 8 } FCRA I request the accuracy of this account that is not mine with an actual signed contract under this section the have 30 days even tho it's been over 120 days sense I started this dispute accept my offer enclose again or show an actual contract that no one seems to have AND REMOVE COMPLETELY FROM CREDIT REPORTS .No one has shown proof that this is my account I owe nothing on this account this dispute is with portfolio recovery.dispute now over 120 days
Consumer complaint received 2018-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX XXXX has wrongly charged my mortgage PMI after I had it removed as of in XXXX of XXXX  with my previous lender ( XXXX XXXX XXXX ). My mortgage was transferred to XXXX XXXX on XX/XX/2018 where they continued to charge my PMI. After calling XXXX XXXX they stated they will review the matter in XX/XX/2018. After repeated calls and attempts to follow up with the removal of PMI and refund of money, XXXX XXXX stated will only refund me 2 months of PMI until XX/XX/2018 and not XXXX or XXXX. In addition XXXX XXXX has overdraft my account by charging me for 2 months of mortgage on XX/XX/2018 for months of XXXX and XX/XX/2018. Then, XXXX XXXX charged me again for XX/XX/2018 Mortgage. In the 5 months I have been with XXXX XXXX they have charged me for 7 months mortgage. XXXX XXXX has serviced me a letter stating they have done no wrong doing and will establish a late charge fee that I have previously removed because my automated bill pay was not established correctly by XXXX XXXX within the 60 day allotment of time for loan transfer payments to be set up. In this letter XXXX XXXX states, " our records show on XX/XX/2018, an online ACH payment was scheduled in the amount of XXXX for your XX/XX/2018, installment with an additional amount of XXXX to be applied to your XX/XX/2018 installment. On XX/XX/2018 both payments in the amount of XXXX were drafted from your bank account. '' Then further down the letter they also stated, " your first recurring ACH payment in the amount of XXXX was drafted from your account on XX/XX/2018 and was applied to your monthly principal, interest and escrow payment for XX/XX/2018. '' In their own letter, XXXX XXXX contradicts themselves and still upholds no fault was done by them. After repeated attempts to resolve the matter XXXX XXXX has failed to follow up with me, resolve the matter and deny any wrong doing on their end, nor have refunded me the appropriate amount of money for their mistake of PMI removal, have not removed a late payment from my record and lastly took more than 30 days to complete my inquire about the issues with my account.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

I am XXXX military and lived in South Carolina in XXXX I moved out of South Carolina in XXXX of XXXX and out of my apartment complex. I had given a copy of my written military orders to the company showing that I was leaving the area on a military XXXX. I then had to go on XXXX at the beginning of XXXX until the end of XXXX. in XXXX I was contacted saying that I was overdue by 6 months on an electric bill. I had not lived in this location for any period of the time they had stated, and I was never contacted about a bill that was missed for this period. Only time I was made aware of this was when I checked my credit report and saw a large drop in credit. I had contacted the company about trying to resolve this issue and they agreed that this was an issue and should not have been reported as a debt. I am now receiving calls from a creditor asking to pay this amount and it is still on my credit report as an unpaid debt.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (FL)

Just received notification of false information being reported on my credit report, in which I never owed this account, it dose not belong to me and I would like for it to be removed immediately before it effects my other accounts. 

False Information Being Reported : XXXX XXXX XXXX XXXX # XXXX This account does not belong to me, I never took out this account from this company.
Consumer complaint received 2018-08-18
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. (OH)

I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX  and XXXX  dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Consumer complaint received 2018-08-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (TX)

Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
Consumer complaint received 2018-08-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX  opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Persolve, LLC - Legal - Series 2 (CA)

ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I filed a fraud claim for {$690.00} for a transaction post date of XX/XX/2018. I did not receive any action from Chase for weeks, despite calling consistently to understand next steps. No information was ever asked from me and they had misfiled my claim as a dispute when it was fraud.

I received a notice from Chase that the amount is legitimate despite no explanation or evidence of a billing error. I am not disputing the claim as a billing error. I was charged by someone in XXXX so it is fraud.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo broke the law by : 1 ) increasing APR on my credit card without any reason - no monthly payment missed by me ever, no any other problems with paying off from my side 2 ) not notifying me properly about the APR increase 3 ) not giving me an opportunity to opt out the changes in the original terms in my agreement with them and not sending me a 45-day advance notice about the increase in APR.

The initial APR on the credit card with wells Fargo was 26.49 %, which was already ridiculously abnormal for a regular credit card with a major bank. 

Then that APR began changing, without any reason and proper notification of me, as follows : XX/XX/2018 : 27.24 % XX/XX/2018 : 27.49 % XX/XX/2018 : 27.74 % Total increase in APR is 1.25 % By filing this claim I opt out all the increases in APR and dispute the difference in APR charged by Wells Fargo on my account.
Consumer complaint received 2022-07-08
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: BARCLAYS BANK DELAWARE (WA)

XX/XX/XXXX, & XXXX I was charged {$100.00} from XXXX ( XXXX ) for eye serum I did not order ( See doc 1 ) called Barclay see ( doc3 ) Then see ( Doc 2 ) with a pirated tracking number not associated with me or my address according to usps. Alleged delivered 2 days before ordering. Barclays just said they had a tracking number & would not remove the charge! In the meantime on the XXXX statement ( Doc1 ) I was charged {$44.00} & {$1.00} from XXXX Called spoke with XXXX & he said he would remove the charge. It was removed. Also all on XX/XX/1922 was charged {$69.00} from XXXX ( XXXX ) called spoke with XXXX according to her this was a XXXX tape! Also on XXXX, XXXX was charged {$590.00} from XXXX ( XXXX ) Called & guess who answered the phone XXXX from XXXX media. She said these were also a bunch or XXXX things like XXXX etc.. Called & Barclays ( spoke with XXXX ) told they would remove the XXXX & {$590.00} charge. ( Doc 4 ) XXXX statement ( Doc 5 ) On ( Doc 6 ) they send 2 more cards I never detached from paper nor did I activate them. ( Doc 7 ) claims these were Valid & put the charges back on see ( Doc 8 ) XXXX statement. Called spoke with XXXX XXXX XXXX assured me it would be off the statement in XXXX. XXXX statement arrived ( Doc 9 ) Charges still on acct. Spoke with XXXX & was told they gave the money back to the supplier. I called said supplier. I was told NO they had pulled the money from the XX/XX/22. Which was correct. They have never been given the money back. Yet Barclays is charging me & late charges. I ask where is the money then?? The supplier told me they didn't have it and the account was closed. Yet you are still charging me. They told me to make a police report. The police said they couldn't do anything this was a civil matter. So I've been going around & around for 7 months. Please help me!
Consumer complaint received 2022-07-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CA)

A company called XXXXXXXX XXXX XXXX has suddenly called me about a debt they claimed I owe from XXXX. I never took out a payday loan. I called EasyMoney but they said yes there was an application under my social security number under someone elses name but that money was never approved. I also called XXXX XXXX and other payday loan companies and none had any record of a {$300.00} loan and neither do I ; I never took out a loan. This debt collector will also not provide me with a letter. I feel they are trying to scam me by falsely claiming I owe money and threatening to sue me in court.
Consumer complaint received 2022-07-08
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting act COMENITYBANK/VICTORIASSECRET account # xxxxxxxxxxxx XXXX, has violated my rights.

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
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Repeated, daily robo-calls, offering me payment plans. I have no idea what this is about, I am on the Do Not Call registry, and I want the calls to stop. I will not have any contact with this company ( Gulf Coast Collection ).
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 
XXXX : # XXXX has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 

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 2018-08-18
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. (FL)

On XX/XX/XXXX my credit was pulled without my authorization from the company XXXX XXXX. They acknowledged this and sent a letter to all 3 credit bureaus. XXXX and XXXX removed the credit inquiry yet Equifax has not.
Consumer complaint received 2022-07-08
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (CA)

Nelnet XXXX XXXX XXXX has misreported my student loan debt, I have hired XXXX XXXX to resolve, 13 items have been removed and 50 more remain, making it impossible for me to obtain housing. I am a XXXX, single parent veteran, XXXX, due to the incorrect reporting of my student loan debt.
Consumer complaint received 2018-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

We purchased our home on XX/XX/2018. We had enough money to put down 20 % and avoid PMI. The closing process required two site visits by an appraiser, the last of which was completed on XX/XX/2018. During the mortgage application process, the value of our home decreased by {$2000.00}. Our lender told us that if we still put down 20 %, our closing costs would increase by {$900.00} from the original quote we received. We were told that instead, we should put down 19.5 %, save on closing costs and pay one month of PMI. After one mortgage payment we were told we would reach the 80 % LTV required to cancel our PMI.

We made our first mortgage payment timely on XX/XX/XXXX and attained an LTV of 80 %. On XX/XX/XXXX, I called LoanCare to request cancellation of our PMI. I was told that I would have to pay PMI for 2 years before requesting cancellation. I researched the Homeowner 's Protection Act of 1998 and confirmed that we met the requirements to cancel PMI. So, I emailed Loancare to provide an official written request to cancel my PMI on XX/XX/XXXX. I received an automated reply that assured me a customer service representative would respond within 5 business days. On the seventh business day, I had not heard anything, so I called LoanCare. I spoke to someone in customer service who told me that my request had not been completed yet, but someone would be in touch within 3 business days. I called back on XX/XX/XXXX and I was told that someone would respond to me by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Loancare stating that I met the LTV but I needed to pay {$100.00} for a BPO before my PMI could be cancelled. I called Loancare on XX/XX/XXXX to ask if they would accept my appraisal, which is much more in depth than a BPO and was completed less than three months ago. They told me no. I asked why I would be required to pay for a BPO when I had a valid appraisal and they told me it was not their requirement, but my mortgage holder, XXXX. They told me to call XXXX, so I did. On XX/XX/XXXX, I spoke to a XXXX   representative and told him my challenges. He told me the policy was not XXXX XXXX, but it was instead Loancare 's policy.

I have tried to understand the policy related to cancelling my PMI. I have been patient and I feel like I'm not getting anywhere.
Consumer complaint received 2018-05-06
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: JPMORGAN CHASE & CO. (AP)

I was charged for a service that was not received in the amount of {$700.00} from XXXX XXXX XXXX which was CANCELLED. I provided proof of the cancellation from XXXX XXXX XXXX to CHASE Cardmember Services as a dispute but Chase refuses to credit my account. 

Request that Chase credit my account in the amount of {$700.00} or send credit to me. 

Reservation for the rental was made on XX/XX/XXXX. Cancellation was made on XX/XX/XXXX. Disputed charge with Chase Cardmember Service on more than four occasions regarding this with no resolution.