davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-08
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: Neon Newco Corporation (CO)

On XX/XX/2018 my Netspend/ XXXX XXXX debit card that I use was compromised while I was at work. During the time of the fraudulent activity I was at work and the card was in my possession. In the hour between XXXX XXXX- XXXX XXXX I received a total of 11 notifications of withdraws being made on my account from an ATM located at a gas station. I immediately notified Netspend of the fraudulent activity, and canceled my card. I also did what they requested and filed a police report and sent them a copy of the police report the same day that this incident occurred. I also offered to send a copy of my punch card to verify that I was at work during the time of the fraudulent activity in which they declined and said that they had all the documents they needed. 

I waited a total of 10 business days for them to investigate the fraud with out getting the money credited back into my account. On the 11th day they notified me that they did not find any errors and were not going to credit my account the {$1600.00} that was stolen out of my account. However, according to the Netspend website they follow federal regulations in which they do not allow more than 6 ATM withdrawals and the withdrawals can not exceed {$940.00} in a 24 hour period. So Netspend did make an error in that instance. Also any time a fraudulent charge appears while the card is still in the card owners possession the company is required to cover it. For all I know the fraudulent activity to my card could have been an inside job since there were obvious errors made on their end, and they declined the offer to additional documents proving that I did not make these charges.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-07-31
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. (IL)

Chase is my bank and I have a credit card with them ending in XXXX. In XXXX of Last year someone used my card fraudulently to order clothing online from XXXX. I have a XXXX and was in the hospital at the time and when we received packages we didn't order, XXXX allowed us to use labels in the packages to send them back for free, which we did. They acknowledged the return via email and said they issued a refund but then they never ever did. We have tried to work with Chase since they are our bank and XXXX won't reply but Chase refuses to help. We have opened these disputes as disputes and as fraud and the close the case every time without even contacting us. I have asked them on multiple occasions not to call since I am very sick but they continue to do that. 
This is ruining my credit. I have stopped paying on the card. 
I have read over the fine print of my credit agreement and by law they have to support legitimate disputes and fraud cases .I have proved with documentation that these are legitimate cases and returned. XXXX refuses to reply with the tracking numbers, however, they did reply with confirmation of the returns which is enough to credit my account but Chase refuses and now the charges are getting older and older and nobody is doing anything. 

I feel some of this is discrimination against the XXXX since I am fully XXXX and can not call in most days or answer the phones and they take advantage of that. I have saved all correspondence with them and proof and all the times they have ignored my pleas. I need help. 

Please help me. 

charges are all for XXXX.com XX/XX/17 {$190.00} {$140.00} {$82.00} {$660.00}
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OK)

I was falsely arrested/detained in XXXX County Oklahoma in the fall of XX/XX/2017 and put in a hospital for XXXX  health treatment. For conditions, I do not have. I was illegally billed for something I did not consent to. The charges were expunged. The hospital is illegally charging me for services I did not consent to, due to the false arrest and false imprisonment. The hospital sent bills to a third-party collection. agency XXXX XXXX XXXX in Florida. XXXX XXXX XXXX does not have the lawful authority under the Fair Debt Collections Practices Act ( FDCPA ) to report to the Credit Bureau an illegal charge from a business. I have challenged the bills/collections efforts, they have failed to respond in writing to my writing request, with the false arrest, false imprisonment and expungement of the charges. 
I filed a Federal Tort claim against the State of Oklahoma and the Hospital.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im a victim of identity theft I see several inquiries on my credit I didnt give permission to be ran, its holding me back now that Im trying get a home after being homeless due to my identity and credit issues holding me back from someone running my name on the ground Inquiries names : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/caXX/XX/XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2times XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 4times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 3 times XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They are showing up on my trans union XXXX  and XXXX
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

On XX/XX/XXXX, I contacted Franklin Collection Services regarding a collection that appeared on my credit report. I informed them I was a victim of identity theft and the account was fraudulent and belonged to an address I had never resided. I have never authorized or given anyone permission to use my personal information. 

On XX/XX/XXXX, I emailed XXXX a copy of my identification, police report and FTC Affidavit. I also mailed a request for validation of this debt along with the same documents emailed. 

As of XX/XX/XXXX, Franklin Collection Service continuesto report the collection as valid on my credit report prior to validating the debt as requested or providing any written notice pursuant to 15 USC 1692g ( a )  and ( b ). 

They failed to 1. Cease all collection activity, including reporting until proper validation of this debt was provided. 
2. Provide me with validation or information regarding this debt within five days of communication. 
3. Failed to notify credit bureaus of the dispute. 

Furthermore, Franklin Collection Services informed me the account was opened in XX/XX/XXXX. However, according to my credit report, it shows the account being opened on XX/XX/XXXX which would clearly indicate inaccurate and outdated information ( still resulting from fraud ) being reported to my credit report. 

My credit report shows an update on XX/XX/XXXX that supports my complaint.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been disputing the late payments showing on my account for Capital One Auto Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2019-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

First, Heartland ESCI has no means of accepting deferment materials electronically ( no fax, no online submission ). This is unacceptable. Waiting 10-15 business days for Heartland ESCI to process a deferment application that has been sent by USPS is simply bad service. 

Second, I have sent several deferment forms to Heartland ESCI, each time getting a rejection notice via e-mail, an e-mail that gives no guidance as to what documents are missing. I'm dealing with a man behind a curtain.
Consumer complaint received 2018-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CIT BANK, NATIONAL ASSOCIATION (MI)

This is not really a fee question, but you didn't list an appropriate category. My issue deals with advertised interest rates ( APY ) and many " direct '' ( ie online ) banks specifically, CIT Bank. 

CIT Bank currently advertises a 1.55 % APY. This applies to amounts of money of {$250000.00} and below, which is where I fall into ( see attached screen prints ), but when I login to my account, it shows them paying me 1.05 % APY. 

On their website, in the fine print, it states that interest rates may change at any time. In their 44 page Account Terms agreement, they state " Variable rate ( the interest and APY may change at the Banks discretion, at any time ) '' My 2 questions : 1. Is it legal to advertise a higher rate today and not pay that rate today? 
2. When the bank states " at the Bank 's discretion, '' does this apply to all customers of that bank 's product or are they singling out certain customers? Could it be that for large accounts they reduce the interest rate because they don't want to pay out that money?
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

On XX/XX/XXXX, I received a new notification from XXXX that a new collection was just added to my report. When I researched this information, I found out that Professional Debt Mediation had a collection account on my credit for XXXX XXXX XXXX XXXX in the amount of {$740.00}. It indicates that the account had been opened on XX/XX/XXXX. 

The problem I have with this company is that they violated my rights as a consumer by not providing written or in person documentation of this debt before placing it on my credit report. I did not receive any notification about this debt ; meaning it was not verified. I never received any written documentation from this company about this alleged debt. I do not believe this company even has my address on file. 
They did not follow the Fair Credit Reporting Act policies on how to notify a consumer of a possible debt they may owe. I have no knowledge of this alleged debt nor do I believe it is my debt. They have failed to do a proper notification and validation of this debt, therefore, it needs to be removed immediately from my credit report. And this company needs to follow the Fair Debt Collection Practices Act and FCRA policies on how to pursue/validate a debt. 
PLEASE BE AWARE THAT THIS COMPANY DOES NOT HAVE ANY OF MY CONTACT INFO UNTIL NOW DUE TO THIS FORMAL COMPLAINT.
Consumer complaint received 2023-03-22
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. 

Account name : Account number : Account XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (OH)

I received information from a apartment company I was trying to rent from stating that I had an unpaid debt on my record, I checked my report and it shows as Pro Collect is trying to collect on an unowed debt. I've tried contacting the company and they refuse to remove it even though the state is showing that I don't owe anything. They have bough this debt off of another company who is reporting fraudulent information and has no liens or judgment 's awarded to them. I have requested validation of this debt 4 times and they can not show validation and have even stated that they don't have to show or prove the debt is valid.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite permanently Opting Out of unsolicited credit card offers over a year ago, I have continued to receive offers in the form of junk mail from Capitol One, with whom I am completely unaffiliated. I called Capitol One and asked to be removed from their direct mailing lists. They claim to have complied, but I want to report their violation of the federal Opt Out Prescreen program.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I did a bank account with suntrust bank and since the first day XXXX got my ATM card it was giving me problems I would try to use it and it would give me decline wild I had funds in this account. Then I would try to purchase items in stores and the same issue would keep having I was only able to use it on my XXXX XXXX Now the bank have my account frozen under fraudulent investigation witch I dont understand why if all my funds in there came from my unemployment benefits, stimulus check, federal Texas. I also went to the branch to speak to a representative about the situation they had told me that they can see where the funds came from and that they dont understand why my account is under review. I have called several times the bank to discuss this problem and call they can say is that the investigation is still open and they cant tell me an exact day when I can get my check in the mail. I explained to them I have bills to pay and a XXXX XXXX XXXX child that I have to support with these funds now we are struggling due to the bank having all my funds on hold. I even send them a fax showing my unemployment payments history so they can see that my funds are actually mine and Ian not trying to due any fraud.
Consumer complaint received 2022-06-09
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. (NY)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, this is still remaining inquiry on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XX/XX/2022
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: 8 Investments Corporation dba MediComm (TX)

A collection company named Medi-Comm has reported a debt for a medical service I did not have with XXXX Medical Center. Ive contacted XXXX Medical Center numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I would like the student loans on my credit report removed as they are a violation of FERPA 1974 per 20 U.S.C. 1232g ( b ) ... a violation of the family educational rights and privacy act of 1974.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MI)

I bought a car from Kia XXXX of XXXX and cancelled a warranty that was initially applied to the loan on XX/XX/XXXX. The dealership sent the check for {$5300.00} to Kia finance in XX/XX/XXXX. The dealership accidentally sent two checks for this amount to Kia finance. Kia finance applied these checks to the account twice, and once they were made aware of this mistake they took both amounts off the balance. I am still owed {$5300.00} for cancelling the warranty. Calls were made to Kia finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time a call was made, Kia finance stated that it would be 3-5 business days before it would be applied to the principle, and this has not happened yet. On XX/XX/XXXX a representative stated that the refund was denied on XX/XX/XXXX, but could not see why it was denied. I requested to speak to a manager who said that he could not give me any updates and I would have to keep calling back, when I asked to speak to his manager he put me on hold for over 30 minutes and then hung up on me.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

As a result of damage incurred during Hurricane Harvey, Dovenmuehle Mortgage extended me 90-day Forbearance Assistance for the months of XXXX, XXXX, and XX/XX/XXXX. I accepted Forbearance Assistance applicable to loan # XXXX ( acknowledgement from XX/XX/XXXX attached ). 

I resumed my normal payments as instructed after the forbearance period in XX/XX/XXXX per the attached mortgage statement. My payments dated XXXX, and XX/XX/XXXX intended for XXXX, XXXX, and XX/XX/XXXX were incorrectly applied to my account for the forbearance period ( XXXX, XXXX, and XX/XX/XXXX ). This error by Dovenmuehle resulted in false 30 day and 60 day late payments that were reported to XXXX, XXXX, and XXXX for XXXX and XX/XX/XXXX, and XX/XX/XXXX ( attached credit report ).

I have contacted Dovenmuehle numerous times by phone to no avail, and have submitted request to fix the error in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This error has yet to be resolved and effecting my ability to obtain a new home loan. There are a staggering number of similar complaints against Dovenmuehle Mortagage , Inc, and I am in need of assistance from The CFPB to resolve. Thank you.