davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (CA)

The statute of limitations for this debt from XXXX should apply. Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX  through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court. 

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied. 

They still have not served me with court documents to appear in court. XXXX wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of anxiousness, unable to sleep, and health problems.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with XXXX XXXX. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (MI)

I am writing to complain about United Collections Bureau Inc., a debt collector that has been violating the Fair Debt Collection Practices Act ( FDCPA ) by sending me payment request letters after I have already told them to stop contacting me about payments for the debt ( which I have kept a recording of ), and to provide a debt verification letter and to consider the debt in dispute until further notice. 

Despite my request, United Collections Bureau Inc. continued to send me payment request letters. I have kept a recording of all of my conversations with United Collections Bureau Inc., and I have proof that I requested them to stop contacting me. I have also kept the post mark dates on the multiple letters. 

I am requesting that the Consumer Financial Protection Bureau investigate United Collections Bureau Inc. and take appropriate action to protect consumers from this company 's unfair and abusive debt collection practices.
Consumer complaint received 2019-04-01
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)

The facts that I know is that an inquiry was placed on XX/XX/2019 by Equifax Mort. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting Equifax Mort on XX/XX/2019, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. 
I called the company on XX/XX/2019 and I called Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX XX/XX/2019 and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

Was offered {$400.00} sign up bonus from Citi for depositing $ XXXX into a savings account. Rep attempted to fund over the phone but wouldnt complete. Citi then sent me a form that needed my signature received 10 days later which I sent back next day. Debit card which was necessary to fund account was then shipped 9 days later. I received card 10 days after that. I funded my account the day it was received which took 3 days for ACH to complete. Citi will not honor bonus since account wasnt funded within 30 days. 

Deceptive and predatory offer practices by Citi to delay the process intentionally so the customer doesnt receive offered bonus.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC is manipulating payment transaction dates so that they can unfairly charge excessive overdraft fees to their customers. 

On XX/XX/2018, my account had a balance on {$21.00}, I used my debit card for a purchase amount of {$7.00} which would have brought my account balance to {$14.00}. On XX/XX/2018, XXXX XXXX extracted {$44.00} from my bank account which would have overdrawn the account as I thought the debit was coming out of my XXXX XXXX XXXX account and did not realize it was scheduled to pull from PNC. 

Once I realized the error, I deposited funds on the following business day to cover the transactions. 

The {$7.00} transaction did not post until the 7th and the {$44.00} transaction did not post until the 10th so funds were in my account at the time the transactions posted. 

When you review my account history the only transactions that overdrafted the account are he fees that PNC charged. 

However, PNC decided to manipulate the postings and reduced my available balance with the XXXX debit before the {$7.00} transaction which was from the XXXX  at XXXX XXXX  and charged me overdraft fees for both, when in reality, funds were available when both cleared, and the funds were available for the first transaction when it was pending and posted. 

I called PNC multiple times to try and come to a reasonable agreement for the excessive fees that were unfairly charged. Each time ended with me being hung up when I insisted on holding to speak with a supervisor. 

PNCs website is flooded with advertisements about how they can help with achieving your financial and investment strategies. Im struggling to understand with how manipulating payment postings to charge excessive overdraft fees to someone who is obviously struggling financially is helping someone financially? Also, how customer service assists by hanging up and then mailing my correspondence to my old address which is my parents house and was updated years ago? 

Unfortunately, Im basically helpless as I am one customer that is being stomped on by a large bank. I file this complaint in hopes that regulators will step in and make this behavior illegal so that more customers are not taken advantage of.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

XXXX I disputed the payment information on my XXXX account, it was not showing paid in full months after it was paid. 
The account was deleted. 
Report Number Date Generated XXXX XX/XX/XXXX I followed up with CFPB XX/XX/XXXX in regards to this account back in XXXX. Then they deleted my second account with XXXX XXXX. It was deleted by choice not chance it seems. 
Report Number Date Generated XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

This company believes I went to the hospital in late 2015, but I have no records or numbers confirming this. At that point, I was never at the hospital, and it has appeared on my credit report four years after that supposed visitation. I would like it removed from my report, as I feel I was wrongfully charged. I even looked at the website to try and figure out why this was happening, and nothing seems user-friendly, nor does it offer an efficient way to handle this situation.
Consumer complaint received 2019-04-30
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied online for the XXXX XXXX XXXX Account on XX/XX/2019, provided the requested information, and account opened same day. One day later, the account was closed and I received a letter in the mail with no explanation why this action was taken, rather just the fact that the account had already been closed and that this decision is final. The letter also stated in the future I wouldn't be able to open an account with Bank of America. I have been a Bank of America customer for two years, and I feel this action is unjustified and ill-advised as no reason was given, eliminating any possibility of incorrect or inaccurate information Bank of America may have been acting on from being rectified.
Consumer complaint received 2019-04-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

balances still wrong!!!!! Impact to my FICA scores- can not obtain mortgage- late reporting- what a sham these agencies should be shut down if they can not report real time information! Amazingly that is done for negatives FACT! A number of opened disputes they are working on still show incorrect information even though corrections and updates were faxed to them the date of the payments!!!!! In my opinion a negative! Rates and terms usurious. Opinion by experience and fact- A major sham perpetrated upon the American people to keep them indentured. Honor and ethics REALLY and if not is this an example of educated capable people? 
REALLY- how long does one have to wait?????? 
error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. 
HOW about fixing my wife 's file as well that is crewed up because you keep everyone linked that is married. Another favorite of yours!
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from Experian and XXXX on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ). 

Thank you.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

My account was compromised and money was taken out of my Wells Fargo account. There were also mobile deposit fraudulent checks that deposited into my account. I reported this Wells Fargo and they denied my claim. I feel that they have failed me as a consumer and do not see how this type of activity could of been allowed to go on for days without them freezing my account. I was scammed out of over {$2700.00} and nothing was done about it. This fraudulent activity went on from XX/XX/XXXX to XX/XX/XXXX. I already reported this to the police just want to have this taken care of and get some type of resolution.
Consumer complaint received 2023-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (FL)

Loan # XXXX The servicers is FCI my mortgage payment is XXXX They are getting the payments on time. now they said I have to pay them XXXX I pay my own insurance and my taxes are only {$120.00} per month {$1500.00} per year, they are not my principal and interest is {$530.00}. If my taxes are only {$120.00}, why are they putting on escrow {$370.00} These people are crooks. This loan was originally with XXXX XXXXXXXX XXXX XXXX loan # XXXX. this was a bad FHA loan from the beginning that XXXX XXXX was never able to sell. Finally on XX/XX/2022 Patriot lending assigned this loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, with address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX they converted this loan from FHA to a conventional loan I guess. I never signed no documents, the terms of my loan was 30 year fixed. I have try several times contacting you regarding this matter, this people at this point are doing whatever they want with my loan, withouth no repercussion from the government agencies. XXXX XXXX is a foreign company transacting mortgage businesses in the state of Florida. They are not registered with HUD, nor FHA. I need you to please help me with my case, this has put a lot of stress on me and my wife. The loan is up to dated, except for this additional moneys they say i have to pay, which are not part of my original mortgage contract. I have not modify, nor refinance my loan and I believe HUD and FHA should be contacted on this matter as well. If you have any questions, please feel free to contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

We have paid every dime needed to completely pay off our mortgage and the recording fee, however the lender, Nationstar d/b/a/ Mr. Cooper , is insisting that the payment must be made in one payment of {$1200.00}. 

We owed {$580.00} in principal on XX/XX/XXXX. We paid {$600.00} on the XX/XX/XXXX in order to pay off the principal and any residual interest. Once the principal was paid, it was our intention to request a payoff quote and send in the remaining amount due. However, when we checked our account online, the {$600.00} payment sat in an unapplied account and the {$580.00} principal was still outstanding. We called Mr. Cooper and their representative told us to send in another {$690.00} in a cashier 's check to complete the payoff. We did that. Nothing happened.

We called Mr. Cooper again and were told that since the {$600.00} was not payment in full, it has been returned and that the full amount due must be received by XX/XX/XXXX. It's 2 weeks later and we have received nothing. By the time we receive it, the {$690.00} will be returned!!!

We owe {$1200.00}. We paid {$1200.00}. Why isn't my mtge paid??? By the way, Mr. Cooper never notified us of any problem until we called about the unapplied funds.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

we attempted to get more information from 1 of the MANY phone calls they make but they weren't very helpful. 

We sent the creditor a debt validation via USPS on XX/XX/19 it was delivered on XX/XX/19. We till this day have not received any letters from the creditors.
Consumer complaint received 2019-04-30
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. (WV)

On XX/XX/XXXX I booked a airline flight with United airline by using my United airline card from chase bank.. when I change the flight the online submission said I would be getting a refund of my purchase flight Then when I called them to see whats going on they said they are not going to give me a refund so I paid XXXX with no service. Because I book another flight and and flew out one day earlier. So basically XXXX of my money that I have to pay the credit card company back is going. It feels like I was rob of my money .i file a dispute with the card company under the fair credit billing act under the reason I been charge for services I didnt receive, I file all the disputes on XXXX the XXXX and in XX/XX/XXXX. I feel like since the card company chase United explore card is affiliated with United airline they will take they side. I never missed a payment with this company can you please help me get my refund. The attached pictures are the pictures of the flights they charge me with that I didnt use. And my boarding passes of the flight I used
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. 
They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.