davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

The bank is charging me for a bank error they made by changing my bill pay payee after I sent payment. They changed the vendor name and address to an incorrect payee. When notified about it they responded quoting their bill pay agreement : On page 9, section B ( i ), titled Description of Services it states, By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through Bill Payments. You further authorize us to update or change any of your Payee information ( including but not limited to changes to account information, Payee name and mailing address ) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. 
The issue is that the Payee did NOT request the change, the US Post Office did NOT request the change and the bank will not provide me with any information as to why the change was made. They also ignored my first notarized affidavit and have required me to fill out another one and send it in. In the meantime I have had to pay the vendor bill twice and am out my money.
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (VA)

I repeatedly get wrongfully reported by National Recovery Agency, they have tried around this time last year to which I successfully won my dispute with the credit bureaus and had removed from my credit report until now, I see this debt which is NOT mine as I hadn't been not only in XXXX  XXXX, the state of XXXX, even the XXXX when they are claiming this to be mine. They have admitted before that it is their error now they're repeating the exact issue with the exact account I already had successfully disputed before. I find this to be a complete violation of my credit rights along with protection because there should be know way that I have to keep on suffering a credit impact because they do not want to respect my rights and fair credit by not adhering to fair practices of not continuously placing false information on my credit report and having me suffer the detrimental impact on my credit profile takes until it finally resolves ( again ).
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-24
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: Experian Information Solutions Inc. (WI)

In XX/XX/2021, I noticed that Experian was show showing a repeated charge off that manipulated statute of limitations regarding XXXX Acct # XXXX. I asked Experian and XXXX to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both Experian and XXXX both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Consumer complaint received 2019-11-18
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. (TX)

On XX/XX/XXXX, Experian started reporting XXXX as a Derogatory Account on my credit file in the amount of {$300.00}. 
Police report and information that the following account was opened due to indentity theft was sent XX/XX/XXXX to this consumer.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (CT)

Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I have a home in XXXX new York. I fell back on my payments due to lack of income and tenants stop paying rent. I tried to modify my loan. However my lender Ditech which is the second mortgage lien on property has refused to help me. My first lien lender modified my first mortgage and I have kept my payments on time for over four years! Ditech has decided to litigate and cause me heavy legal fees instead of modifying my loan. I believe that the bank is violating my civil rights because of my race and religion. There are many of their clients in a similar situation where Ditech Modified their loan without any documents. They gave them a streamline modification. This is unfair and I want to pay and have shown my ability to pay my first mortgage after a successful modification. I should be afforded another opportunity. I can afford to pay {$1800.00}. a month if more is needed I will get it.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/2021 to XX/XX/2021, there were 41 fraudulent charges from XXXX to both my XXXX credit card and Bank of America debit card in the total of XXXX. When I discovered the fraudulent charges on the XXXX credit card, I contacted the credit card company immediately, XXXX was able to resolve the claim and refund all the charges to my Account. 

However, I was not aware that my personal checking account also had fraudulent charges until balance was down to XXXX  and all the auto payments set up using the checking account were not processed. I contacted Bank of America, they only did a partial refund and denied the rest of the claim without providing any documents used to evaluate the claim. Bank of America insisted the charges were authorized by me or someone who has permission to used the card or account. I always had my cards in possession and only used it to pay for utilities charges and credit balances. There is no authorized user on this account. I submitted the XXXX credit card statement to show Bank of America that same incident happened in the same period and XXXX completed their investigation and refunded my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-10
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. (MI)

There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX  charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points  erroneously. 

Thank you,
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (PA)

I'm a victim of identity theft. I notified XXXX of this and you. I provided the fraudulent charges several times. As well as police reports and ftc reports. I reported that my card was lost. And never received a new card. Most of this is when I didn't have the card. I filed a few complaints with the XXXX  as well as the cfpb. I can not believe even after taking charges off they. Were then returned. This has been a horrible experience fighting XXXX to prove my case has only made it more stressful.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (OH)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-12-10
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. (MI)

There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points erroneously. 

Thank you,
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan 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: Cottonwood Financial Ltd. (IL)

The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022, I received a mailed letter from Capital One bank with a new debit card. This letter and debit card were addressed to me even though I did not open an account at this bank nor have I ever had an account with this bank. I contacted Capital One and spoke with a representative regarding fraud. The representative informed me that the checking account was opened on XX/XX/2022 and did not have a balance currently. The representative stated that my social security, birth date, and address were used to open the account. The representative would not give me any further information on who opened the account in my name but they did close the checking/debit account. I have contacted all three credit agencies and requested that a freeze be placed on my credit file until further notice. I also had an initial fraud alert placed.
Consumer complaint received 2018-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I refinanced my Federal Loans with Mohela XXXX XXXX to obtain a better interest rate than what I was receiving with my Federal Loans. I came across 2 issues that I found to be quite problematic.

The initial issue I had was that while I was making my minimum autopay installments, I was also making additional payments on a monthly basis. I had been doing so for several months/years, when I had contacted the company in regards to some accounting issues I was seeing. At that time, they then told me that all of those additional payments could have been going to the principal rather than the interest. I had been making substantial monthly payments ( XXXX XXXX )  that ultimately was not benefiting me as the consumer in any way whatsoever. They never contacted me to let me know this was even an option. I went back through their contract and I could not find any location that explicitly told consumers if you made extra payments, they could go to the principle. They intentionally kept this from me and other consumers. As a XXXX XXXX, my loans are substantial ( XXXX ) which having made those initial payments to the principal would have helped me and my family immensely.

In addition, as I had now been alerted to the fact I could make payments to my principal rather than just the interest, I was seeing some benefit in that my overall principle was decreasing. As my loan was leaving forebearance and I was going to have to make full monthly payments, I again looked at my balance, and to my utter dismay, my principle balance had returned almost to its initial level ( XXXX ) even though I had been making large additional payments.

I called Mohela XXXX XXXX to discuss this with me, where they told me at the end of forebearnace, there was an additional XXXX fee that was incurred when the loan left forebearance. Needless to say I was enraged.

I begged for some reprieve, only to be told this was in the contract and you are unfortunately " out of luck. '' I have since left that company and refinanced with XXXX at this point, because I was so appalled at these tactics.

I have already spent thousands of dollars attempting to be a responsible consumer and pay for my education. All of this money could have gone to my overall principle which would allow for me to have paid my loan back in full, in a shorter amount of time, and done responsibly. I am now continuing to pay an absurd amount on a monthly basis, to make up for what I thought I was mitigating over the past 2-3 years.

This is unbelievably deceitful and provides absolutely no benefit to the consumer whatsoever. They are keeping you indebted to continue to reap interest benefits for themselves while leaving you struggling on a monthly basis.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (HI)

I had received emails that informed me of an outstanding balance on my credit. I have not now, nor have I ever opened a line of credit. Completely unfamiliar with the process, I called my bank and then submitted disputes with all three credit reporting agencies. Only partial progress was made until cooperation was needed from Genesis FS Card Services. 

On 2022 XXXX XXXX at XXXX XXXX XXXX, I called Genesis FS Card Services and spoke to a representative : the system referred me to a live representative and then hung up on me. I called again to speak to a representative who identified herself as " XXXX '' who I informed that the account in question is fraudulent and was not opened by me. I was subsequently placed on hold and then held a conversation with a person who did not initially identify themselves but had a distinctly different accent. This representative directed me to indentitytheft.gov to mail a copy of a document to Genesis FS Card Services XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX and told me it would take 30-60 days to process my claim. This seemed to be an attempt to prolong this process and intentionally make it more difficult to resolve, this is supported by the dismal reviews they have at the XXXX They claimed the account would be frozen and subsequently closed. 

Any investigation into this matter will show a number of inconsistencies with the manner the account was opened, the information given to Genesis FS Card Services to open the account is inconsistent with any address or phone number I own. The time and location that the account was opened should be further proof that I was not the one who opened it. I am an XXXX  military member whose home of record is XXXX, XXXX. I currently reside in XXXX, XXXX  and therefore could not and would not have given an additional address I have never lived in and a new phone number in order to open a new account. Additionally, I have no need to open up a credit account as I have never used credit and have my finances in order, there is no precedent for this behavior in XXXX years.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage Corp. is refusing to provide payoff statements for customers to pay off their mortgage. When payoff statements are requested, even through multiple channels, they are ignored indefinitely. This is a repeated and ongoing issue with this company. Upon making a follow up call to customer service, they state that there is a turn time of 3 business days, even when the request was first placed longer than 3 business days prior. They refuse any sort of remedy, refuse to allow the caller to speak with a supervisor, and continue to walk the customer in circles. There isn't any sort of customer service, it is merely a way of dismissing anything that might be an inconvenience to their staff. It should also be noted that this company has a large number of CFPB complaints.