davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX : My father authorized his unemployment benefits back pay check in the amount of {$18000.00} to be direct deposited into my Capital One bank account. It was deposited in my account after which I withdrew {$4000.00}. 
XXXX : All of my Capital One bank accounts were frozen. I contacted the bank and they informed that my account is now permanently closed and I owe them {$4000.00}. I also provided the representative with a contact phone number for my father as well. 
My father and I contacted the bank together and the representative refused speak to us and stated that the funds were being sent back to where they came from. 
XX/XX/2020 XXXX MT : They sent me an email that stating that " Dear XXXX XXXX We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. '' XXXX : I called XXXX and spoke with a representative that informed me my account was closed and I could contact the Review Department directly, she provided me the following phone number XXXX and I called directly. My calls were immediately disconnected. I emailed XXXX XXXX, Director of Customer Complaints and have yet to receive any correspondence or acknowledgment of my email. 
I am filing this complaint because of the unprofessionalism and rudeness of how I have been treated. I have had my Capital One bank accounts for over three years. I am on the verge of being evicted because of this incident and I have two small grade school children who will be homeless by the end of this month. I feel as though I deserve an explanation of the process or be provided a timeline for verification.
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (CA)

Debt has beet settled or written off, it has been many many years since it, s closure. 
This company still trying to collect even after they have been notified and are aware of the situation, dates, info. etc. 

Excessive calls at all times of the day even late nights, early mornings and weekends, I want this to stop calling and to update their system and information.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

So my fee is {$40.00} a month.I pay the bill trough my bank account so i have proof.So i get in the mail i have a late fee saying i payed late.I call the representive n they tell me theres nothing they can so about it.So now i have to pay {$75.00} n the interest rate went up.All they do is raise the fees and interest rate.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for the American Express Gold Delta SkyMiles Business credit card on XX/XX/2018. There was a promotional offer attached to the credit card to earn XXXX bonus miles after making {$1000.00} in purchases within the first 3 months of card membership. 

Before my credit was ran and applying, I was NOT advised any message regarding not being eligible for this offer. 

I applied for the credit card as normal, and received it the following week. On XX/XX/2018 I decided to check the status of the promotional welcome offer. I have attached the chat from XX/XX/XXXX where the customer service rep stated that the offer had been declined by the back-end team. 

Extremely upset because I also received a letter from American Express on XX/XX/XXXX, stating that I was shown a pop-up with a warning that I would not be eligible for the offer BEFORE applying & running my credtNO SUCH WARNING WAS SHOWN TO ME.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged. 

As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay. 

I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ),  and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note. 

Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.

I therefore request that the CFPB get involved and audit this loan for fraud.
Consumer complaint received 2018-08-14
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. (MD)

30 days ago I mailed a letter to Experian asking them to verify the collection items on my account. Specifically, XXXX XXXX XXXX {$410.00} acct # XXXX and XXXX XXXX XXXX Acct # XXXX. 
According to the FCRA section 609 via physical verification. I asked for verifiable proof as in a contract that I signed. 

Experian was NOT able to provide proof- the accounts have NOT been removed from my credit report. 
I also asked that they remove incorrect spelling of my name, incorrect phone numbers and incorrect addresses. The incorrect items are still listed.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am in the process of applying for a Home Equity Loan. During the process it was discovered that there is a lien against my property in the amount of {$940.00} held by PORTFOLIO RECOVERY ASSOCIATES , LLC. I called the clerk 's office of my county and they advised that all they do is record liens. I then called PORTFOLIO RECOVERY ASSOCIATES , LLC and they could not locate an account associated with my social. I was transferred their legal department, I stayed on hold for a while and then they hung up on me. I then called the title company that ran the report and they're not sure what to say either. Also, the lien is held under a name I do not use. I was never notified of this debt, I am knowledgeable of my debts and this debt does not belong to me. This is threating my ability to receive the home equity line of credit and may result in other damages.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, XXXX representative came out to price me on a project and to establish the financing. Approaching XX/XX/XXXX ( scheduled date of install ) I was given an appointment reminder and asked to review the financing aspect. Thats when I found out XXXX fraudulently got a credit card made in my name without my knowledge with Wells Fargo ( WF ). All of their advertisements also only stated 0 % APR for 18 months, and their rep NEVER disclosed establishing financing by creating a new credit card. I even adamantly asked about the type of financing ; I never would have signed off on the creation of a new credit card, therefore, the WF credit card was fraudulently created. I had worked with both companies to close the WF account and to get it removed from my credit report. Only the closed status was updated ; neither company has helped to get it removed from my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been writing your company for numerous months. By listing these accounts in this dispute they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting agency did not remove 2 inquiries off my report that are now over 2 years old. The removal date was supposed to be XX/XX/2018. I just viewed my current report and both of them are still on there. I tried to call experian today but was unsuccessful in reaching an agent.
Consumer complaint received 2018-08-14
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. (PA)

There is an account listed on my credit report from Experian, XXXX XXXX XXXX XXXX XXXX. that is listed as being discharged through a bankruptcy that Experian swears I have and refuses to investigate the validity of it. The XXXX account was never discharged through a bankruptcy and Experian refuses to change the status of this account. They are completely disregarding my rights under the FCRA and the CFPB will not assist me in these matters. I recently filed a complaint again about Experian refusing to provide me the proof they have of a bankruptcy in my name and the CFPB marked it as a duplicate and closed it. The XXXX account was never included in any bankruptcy and there should not be a bankruptcy listed on my credit report!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

I have had two separate reporting incidents from " XXXX XXXX '' for a medical bill (? ) from XXXX XXXX XXXX in XXXX, NC. for the amount of {$340.00} on XX/XX/2018 and again {$130.00} on XX/XX/2018. I have reported/disputed to XXXX  and both have been removed as of XX/XX/2018. I contacted both the initial biller/creditor and the collections company, both have no record of my name ( married of maiden ), DOB or SSN. Yet, the same set of companies reported a collections amount for the second time. I'm not sure if the company has an error in the SSN of another client or if they are fraudulently billing " customers '' that have never been to them or used their services.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (CA)

In 2012 I had a family emergency and applied for a payday loan I heard the advertisement on the radio with the company Cash Call. After providing my personal information I was approved for {$2600.00}. I was in distress and had limited alternatives and at the time I did not fully understand the terms and ultimately was not able to repay the loan as Cash Call terms required. Turns out the loan was interest only throughout the term of the loan and required me to pay very high interest rate over the term of the loan for many years without any reduction in the principal loan balance. The high interest rate of 90 %, was oppressive loan terms, protracted repayment time made it impossible to pay. Cash Call radio advertisement misled me and I was victimized and setup to default. The outstanding principal balance is barely reduced and they continued to add late fees, and insufficient fund charges. After I fell behind in payments Cash Call began coercive collection calls to me demanding payment. 

Cash Call made frequent and repeated harassing telephone calls to me, my place of employment, multiple times a day, for days or weeks in a row, demanding payment. Cash Call used aggressive tactics, including abusive tone and language, harassing tone and language. 

Cash Call reported this loan to the credit bureaus and with my inability to repay the loan at an interest rate of 90 % it has impacted my credit and it is reflected in Background Checks that continues to negatively impact my ability to gain employment leading to another obstacle impacting my ability to repay.
Consumer complaint received 2018-08-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I sent a Debt Validation letter to National Credit Systems and I haven't received anything showing alleged original paperwork from original creditor.I sent a certified letter to them and never received nothing back.Right then it was supposed to be removed from my credit report due to failed no response or proof.I also sent a certified letter of a settlement just to get rid of alleged debt but off was rejected.Also the person I spoke with states he's a supervisor after I ask for another supervisor he states he's the only one, right off I don't feel comfortable.I asked Mr XXXX for at least a settlement agreement in writing stating once alleged debt of agreed settlement was paid that account would be deleted from all credit reporting agencies and so on, he states he can't do that.
Consumer complaint received 2018-08-14
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. (SC)

After some twenty or more disputes, and Experian responding that the information was verified through their third party vendor, but in all disputes refusing to provide the name of said vendor, regardless of request. In such an independent investigation by a law firm in XXXX VA was conducted, and the problematic issue discovered after years of disputes. 


Experian maintains two separate files on likewise named individuals, they maintain a file on XXXX XXXX XXXX, with social security number XXXX, and a file on XXXX XXXX, XXXX, the name XXXX XXXX maintains an address of XXXX XXXX XXXX, XXXX, SC XXXX, and has indeed filed two separate bankruptcy actions under XXXX. The name of XXXX XXXX which is the consumer of which this complaint applies hasn't filed any such bankruptcy action, but because the third party agent, or entity only verifies the last four, the continual reporting of this account on my report continues. 


In response because actually third party agents or entities are required to perform more, the consumer reached out to Pacers, and XXXX, or which neither had any public record for XXXX XXXX, but indeed had public record for XXXX XXXX, in furtherance neither with a degree required by law could verify or cause such verification of which one that exist on any report, only that the name associated with the social security assigned number of XXXX, assigned to XXXX XXXX didn't have any such public records of bankruptcies.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I disputed this debt with Portfolio Recovery about a credit card that was discharged by XXXX. I sent statements that stated that I owed less than the amount that was noted for the debt. In return they sent the debt to be collected by a law firm, XXXX XXXX XXXX. We came to an agreement to settle the account for {$2000.00} since thats what I actually owed and not the {$3900.00} they were trying to collect. When calling or even using the chat line they refuse to even tell me if they received payment or anything regarding the account. So why is Portfolio Recovery reporting on my credit report and they cant tell me absolutely nothing about a debt they are trying to collect? If Im only to speak with the Law firm then they should be the ones reporting and not portfolio. They even locked me out on my account on their website so I cant even see if they received the payment I made a few weeks ago. Still shows {$3900.00} and I cant speak to anyone about this manner because Portfolio will not speak to me about it and the Law Firm has to ask Portfolio about anything with the account and when I call to speak to the lady handling the account, she doesnt return my phone calls for days at a time. Also upon payment they have on their website and made a statement that they will delete all information off anyones credit report when debt is paid, full or settled for less.
Consumer complaint received 2018-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax continues to report an error of 30 days late on my mortgage account with XXXX XXXX XXXX, XXXX, attn, Research dept, XXXX XXXX XXXX , XXXX, fl XXXX-XXXX A/c # XXXX XX/XX/2017 mortgage payment was made on time but equifax reports as 30 days late, which it totally incorrect & unacceptable. This error must be corrected immediately & reported as current.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I received a zombie debt letter from XX/XX/XXXX that had been paid in XX/XX/XXXX from XXXX XXXX XXXX XXXX that i owed a debt to them in the amount of {$590.00} from XX/XX/XXXX for court costs. The original court had been paid and i do NOT owe this debt and will not pay these people that i do not owe! This letter is threatening me if i do not pay them that i will get a warrant and lose my license. I wish to proceed to legal advice after i write this letter as i will no tolerate threatening letters from a debt collector that i do not owe and old zombie debt from 8 years ago.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I closed all five of my credit cards with American Express on XX/XX/2018 at exactly XXXX PST. The Representative supervisor at American Express did not even read me disclosures to close the card. All 5 of my cards have {$0.00} balances. I closed the cards because American Express is very shady.
Consumer complaint received 2018-08-14
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. (GA)

My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I Despoit XXXX Into Chase Bank.

On XX/XX/2018.

Chase Decided To Close My Account.

And Didn't Write Me A Check.

They are still holding my money.
Consumer complaint received 2018-08-14
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. (GA)

My credit was perfect! I'm in the process of buying a house in discovered that XXXX is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.