davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I am writing to dispute the charge off in the amount of {$360.00} of XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to Midland Credit Management ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (AR)

Over the last 3 months I have repeatedly contacted both XXXX and Equifax about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan XXXX showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2019 - {$400.00} - I was scammed out of {$400.00} by a scammer selling football tickets. The payment for the tickets went through the digital payment service called XXXX/XXXX directly through my banks app - JP Morgan Chase- It was a complete scam ... the tickets and person apparently did not exist. I immediately, as in within the hour of occurrence, contacted the bank ( Chase ) and they said since it appears I authorized it, they will not or can not refund my money. I even opened a claim and the bank closed my claim ; will not refund or make any adjustment to my account.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (PA)

I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called company to close account and payoff amount on XX/XX/XXXX. I then made the payment amount of the " total payoff amount ''. However, after the account was closed on XX/XX/XXXX, they applied new charges that they neglected to include in the payoff amount. They neglected to add in the correct " interest '' and left off one of the " pending '' charges that was made on XX/XX/XXXX. I called the company and they confirmed, that they made a mistake, and they should have included that pending charge and that they did calculate the interest incorrectly.
Consumer complaint received 2020-12-20
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. (CA)

Equifax is reporting wrong address, in spite of telling them NOT to do many times. 

This is the wrong address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (MO)

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MD)

I purchased a visa gift card for {$300.00} at the following location on XX/XX/2020 XXXX XXXX XXXX The order number is XXXX and my credit card was charged on XX/XX/2020 I called multiple times and was told that a gift card would be shipped out soon. However no card was shipped after 10 days.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OR)

Repeated phone calls from ( XXXX ) XXXX for a debt the company says I owe. I told the company that I had an attorney representing me, and to stop calling. I tried to provide the company my attorney 's phone number, and they always hang up. 

On XX/XX/2019 I received a call, and attempted to tell them not to call anymore. They hung up before I could explain. 

They called a total of 4 times on that same day. 

Here are more dates and number of times they called each day : XX/XX/2019 called 7 times XX/XX/2019 called 2 times
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/2022, I purchased airplane tickets through the Chase Rewards Portal for a family of XXXX that totaled ~ {$3000.00}. The reason was the incentive that Chase Rewards provides about 5 % back. This was the biggest regret due to their misleading practice as detailed below. 

Due to circumstances, I needed to cancel my airline purchases. At the time of cancellation, the following terms and conditions were disclosed to me : XXXX ) all of the passengers need to be present for my future airline credit purchase ( i.e., must be a family of XXXX ) ; XXXX ) it must be the same airline ; and XXXX ) travel must be completed within a year. 

On XX/XX/2022, in abiding by the aforementioned terms and conditions, I tried to book a flight, but was prohibited because of the following additional condition being imposed : if I booked an international flight originally, that I would have to rebook another international flight. Even when I called customer service from Chase on XX/XX/2022, for support, the representative acknowledged that this was not part of the disclosures that were presented to me ( Chase can pull back the actual tape recordings through their QA process ). Now, I am having extreme trouble trying to reuse my flight credit, all in the meantime, the airline ticket prices have gone up in the 2 days for a difference of ~ {$700.00}. 

To me, this fits squarely within UDAAP, and am extremely disappointed at Chase 's lack of pointing out these restrictions.
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MA)

I got a payday loan then realized the percentage. I got a XXXX loan and have paid 4 payments of XXXX. My loan balance is more now than when I started and I already paid {$1000.00}. I calledvthen and they told me I have 10 months. That's XXXX for a XXXX loan. I can't think of how it would be paid off. When I calledvthen said I had ineterest and daily interest.
Consumer complaint received 2018-02-24
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: EQUIFAX, INC. (IL)

My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that
Consumer complaint received 2022-10-19
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: Spring Oaks Capital, LLC (MD)

XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

Indigo credit card Spring Oaks capital Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Please review the attachments, this is not a 3rd party. I have yet to receive results into the investigation. According to the FCRA, All accounts must be removed if no results within 30days.
Consumer complaint received 2020-12-20
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. (IN)

The date 2020 yr to date. Experance is the score and company that need look for reasons of not updating my info/ score. My score is XXXX on the other two companies reported to. They are not updating my info right like the others.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (NC)

On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. 
The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

HAPPY SUNDAY MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-05-13
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: Upgrade, Inc. (SC)

On XX/XX/XXXX2022 I was notified by my bank of unauthorized charges by the company Upgrade that deposited {$9600.00} into my bank account. I went to the bank and they sent the money back. There were a few checks that were written so the account was to be closed 5 days later. Two days later Upgrade 's subsidiary company XXXX XXXX accessed my account and withdrew {$5200.00}. I went back to the bank and they immediately closed the account and reversed the withdrawal. I filed a police report on the same date. I then started receiving emails and letters from companies stating I had asked for credit cards and loans. I went back to the police department and amended the report to include all of the unauthorized inquiries on my credit history. I contacted everyone that sent me a letter and provided a copy of the police report. I contacted the Credit Bureau and had a freeze put on my credit history. I also contact the Social Security Administration office on XX/XX/XXXX and put a fraud alert on my social security number. Below are companies that have requested inquiries and credit in my name : XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX - Notified XX/XX/XXXX did not apply for loan and to flag as fraud. 
XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card or loan and to flag as fraud. 
XXXX XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX - NotifieXXXX did not apply for a loan. 
Upgrade - Notified XX/XX/XXXX of unauthorized deposit in bank account. Notified XXXX and XX/XX/XXXX did not apply for loan. Provided Drivers license to close account and flag as fraud. 
XXXX XXXX XXXX  - Notified XX/XX/XXXX did not apply for bank account and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for account, close, and to flag as fraud.