davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did a mobile deposit of a check for {$6500.00} on XX/XX/19, was told the money was being held for 7 business days. I called the bank the check was written from the next business day, they informed me that the funds had already cleared. I then called the receiving bank back to find out if I could have someone from the sending bank fax or call to verify the funds had cleared and the check was legit, and was given the run around by two different associates. I deposited another {$350.00} via money order to an ATM on XX/XX/19 to cover payments I already had scheduled to come out of the account the following day. I would have deposited cash, however I had already purchased a money order to pay rent with and had no way to cash it as all the branches in my area had closed by the time I got out of work. At no time did the ATM inform me this wasnt an acceptable way to deposit funds, and it accepted the money order. I did not find out until the transaction finalized, the money order was no unretrievable, and my receipt printed that this money was to be held for 10 business days! At no point during the transaction was I informed the funds wouldnt be available. I called the bank to speak with someone about lifting the hold on these funds and was again told that they needed to verify the funds ( even though a money order IS verified funds. ) The scheduled payments came out of my account and caused my account to go negative. The {$6500.00} then posted on XX/XX/19. However, I was charged a {$35.00} fee for the returned payment, as well as a {$20.00} fee from my utility company for the returned payment. This is absolutely unacceptable.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have got a 30 day late from CapitalOne report on my credit report because I never received my statement on time, after finding out that I had owed them I quickly sent out {$75.00} check with the USPS postal service as a 2 day deliver with tracking number XXXX ( unfortunately usps does not keep tracking longer then 120 days ) but during this time CapitalOne did receive the mail because it showed with tracking it was delivered but for some reason they never applied the credit to my account. After finding this out I quickly paid them over the phone or online I don't remember exactly but it was paid eventually. now they have reported a 30 day late in my credit report which it causing me damages for applying other credit cards that give me higher interest rates do to late being reported. This problem was caused by a chain reaction 1st being not getting the statement then not receiving my check if I didnt have the 1st problem we wouldn't have this problem. I have requested tracking number of the statement with capitalone which they cant provide me. there is no proof that they sent me a statement so I can know what has happen. If they cant remove my 30 day late or so me proof from there end I was late because of my fault then they need to remove the 30 day negative report from my credit report, I have contact them many times only to get a canned response back that its verified and late from there end. Where is your proof its late? Cap1 for the payment late because they never sent me a statement to begin with.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account 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
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MO)

On XX/XX/XXXX I went on XXXX XXXX  and noticed my score had gone down, went to check out why and seen something from XXXX XXXX  and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX  nor XXXX XXXX  ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
Consumer complaint received 2019-07-10
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (GA)

I have an ongoing dispute with Discover Card since XX/XX/XXXX when some Unauthorized charges were put on my account. While Discover telling customers that they do not have to pay for any unauthorized charges, Discover accepted a charge in XX/XX/XXXX from a " merchant '' whom I had informed Discover not to accept any charge in XX/XX/XXXX when I realized the " merchant '' was a Scammer who tricked consumers to give credit card information for unintended charges.

The specific complaints are as follows : ( 1 ) Discover accepted charge from " merchant '' AFTER it was informed by customer Not to accept charge from the " merchant ''. ( I can stop payment on my check, therefore I should be able to stop charges to my account ) ( 2 ) Discover keep charging interests aand Late fees while the account is in dispute.

( 3 ) Late Fees werre charged by Discover despotically albeit the small amount that is claimed being owed. It totally disregards the complaints made by the customer of the outstanding balance.

Late Fee charged in XX/XX/XXXX = {$27.00} Late Fee charged in XX/XX/XXXX= {$37.00} The way Discover charges customer late fees would make Discover so much money that could be it main business! The Late Fees imposed by Discover is Unfair and Illegitimate! It is Usury in Disguise!

( 4 ) Discover reinstated " merchant '' charges after informing customer that " All disputes were Resolved and Completed " in XX/XX/XXXX.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I have had a very difficult time with Fay Servicing and XXXX XXXX my manager. I have tried to submit for a loan modification 2 times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. I was declined for a modification because I extended my maximum reviews!?! 

The first time I applied Fay Servicing declined me because I had equity and I am self employed. Which sounded made up and completely illegal. I had a medical hardship which caused me too miss some payments. I was over my hardship and back to work so I applied for the modification. This qualifies me for a modification based on mortgage banking guidelines. So I applied a 2nd time thinking this had to be a mistake. 

The 2nd time, I applied I had help with a free service that help me make sure my underwriting was done correctly since I am self employed. Everything looked good so we sent it in. Based on the guidelines I can afford my mortgage and just need a modification to avoid foreclosure. Fay Servicing then declined my file stating I had exceeded the allowed reviews? This is my 2nd review and I submitted because the fist denial seemed illegal. 

I know for a fact the 1000 's & 1000 's of home owners have received loan modifications that have equity. And based on the California Bill of Rights I am allowed to appeal and apply again. Fay Serving only seems to lie, and make up excuses to review my file. Both decline reasons from Fay Servicing do not even seem to be honest or legal.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (HI)

This is in regards to a Target RED card.I called and spoke to 4 different people trying to cancel this card. 

In XX/XX/2019, I went online and paid the balance off for the credit card and asked to close the account. I had a flood in my condo and was not able to live there for two months. I had my mail held and paid off my debts while displaced. Now we have returned and I have a statement from Target that although I paid the balance there was a late fee that has compounded from {$7.00} to {$150.00} ( three months time ). 

Today, XX/XX/2019, I called customer service asked to cancel the card, clearly it had not been back in XX/XX/XXXX, and asked who I could speak to about these additional fees unrelated to any merchandise purchase. I was bounced to four different phone reps - all who said they can't cancel the card. I repeated the same request to cancel this card ( to stop the fees accumulating ) and to speak to someone about the fees. Each time they said no to closing the account and they would not be able to cancel the fees. Mostly I thought it was unethical for them to refuse to cancel the card to stop the accumulation of NEW fees while I dispute the old fees. 
The last persons name I was given as a " manager '' I could call back because no managers were " on the floor '' was XXXX XXXX at XXXX
Consumer complaint received 2023-03-22
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. (GA)

I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have wrote several letters and jpmcb card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.
Consumer complaint received 2019-10-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ Data International contacted me about a debt via mail. I sent them a debt validation letter which I have proof they received on XX/XX/2019 and was signed for by XXXX XXXX. They have yet to validate the debt, but have contacted me by phone numerous times since they received the letter in an attempt to collect the debt. They contacted me at times including : ( All times in Pacific Time XXXX : Tuesday, XX/XX/2019 XXXXXXXX XXXX, Wednesday, XX/XX/2019 XXXX XXXX, XXXX XXXX, XXXX XXXX, Thursday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. In one of the message the caller identifies themselves as XXXX XXXX. The collector has not validated the debt yet has made numerous attempts to contact me to collect the debt which is violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, Portfolio Recovery Associates, LLC. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access PRA 's site and logged in, it then said that it can not display my account info at this time and to call XXXX, XXXX, XXXX, XXXX. I'm assuming said debt has been sold again? How is a judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX., suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.
Consumer complaint received 2021-06-15
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. (TX)

Equifax has accounts on my credit report which havent been updated since XX/XX/XXXX. Equifax refuses to follow bankruptcy as these accounts have already been included and discharged in my bankruptcy which was filed XX/XX/XXXX. Equifax has an inquiry on my report which is fraudulent from XXXX XXXX. Ive never applied for that company. My XXXX XXXX auto loan is paid off and equifax doesnt report that. Equifax has each account listed on my credit report twice. Most of which accounts such as XXXX which was fraudulent anyways opened by identity theft hasnt been updated since XXXX. Equifax also refuses to follow bankruptcy laws and refuses to update the accounts on my file even though they were discharged.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

LoanCare took over my mortgage when XXXX went bankcrupt. I have never missed a payment and they have cash all my checks or processed electronic payments. They did not credit it me the first payment made for XX/XX/XXXX, the check cleared the bank XX/XX/2019. I have been trying to resolve this for months and have sent copies of the checks 4 times and talked to them for hours. They promise to fix it but never do not, they are charging me late fees. I have spent hours and hours on hold. I have documented everyone I talked to or e-mailed. I am at wits end to know what to do any more.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I tried to get a refinancing from a bank. They checked my credit score and found my credit score from XXXX is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.
Consumer complaint received 2019-10-11
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. (CT)

i send a dispute to equifax on the XXXX of XXXX about information that is reporting incorrect on my credit report that show inaccurate date and amount i also mailed three separate copy 's of credit report to show the inaccuracy and today XX/XX/2019 i receive letter of my credit report that said it is verified.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: New Century Auto Sales, Inc. (MI)

Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WV)

Comenity bank/ulta lowered my credit limit from {$400.00} to {$100.00} without notifying me, and have now closed my card due to purchases due to two returned payments that an account number was simply typed in wrong for. They lowered my credit limit based off of fraudulent info on my credit report and have now lowered my limit to {$100.00}. Rarely have I ever been late or missed a payment, but things happen. This card has been nothing but issues, from them holding payments until the next billing cycle even though my bank verified they were paid to lowering my credit limit without telling me.