davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was contacted by Capital One stating they were " restricting '' my account due to " suspicious activity ''. I was told to call a number and when I did it was just a voicemail which stated to leave a message and they would call back. I've left several messages with no return calls or emails. My paycheck was deposited this week and the bank said they would close my account and send a check within the next two weeks unless I paid {$20.00} to expedite the check ( which I told them to take from the funds of mine that they have ). I'm going on day 3 when I should have received my " expedited '' check and my accounts haven't even been closed. They have been no help whatsoever. I've been hung up on, brushed off and talked down to. They are holding my funds and I'm not even sure why! They team that is doing this won't get on the phone with me.
Consumer complaint received 2022-05-03
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXX XXXX  SV XXXX Balance Owed : {$90.00} )
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I set a prepayment with XXXX XXXX  CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment. 

XX/XX/XXXX I received an email confirming payment has been received. 

XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount. 

XX/XX/XXXX I receive written notice from XXXX  via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee. 

XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency. 

I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account. 

I noted in the final one-time balance, the dollar amount was clearly listed.
Consumer complaint received 2019-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (PA)

On Saturday XXXX XXXX I Applied For A Personal Loan From Discover Bank. Upon Completion Of Application I was denied Credit Because of insufficent Income. I Called the bank and talked to XXXX. XXXX advised me theres Nothing He Can do But send it to headquarters. XXXX also stated i should Take Further action. I Also Made It Clear to XXXX from discover that i am currently on XXXX ( Social Security XXXX Survivors ) Goverment Assistance and by the Eoca It is illegal For a Company To Deny a application of any sorts based on income if from a Goverment program Or SSA. and am requesting since that was the only reason stated at time of denial. I Be approved For the loan and treated rightfully by discover bank and Remidate the situation by approving me for tge loan.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (TX)

I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (FL)

On XX/XX/XXXX I spoke with Mr. XXXX from Consumer Portfolio Services on his direct line at XXXX in regards to my loan and struggling to pay it due to financial hardships with COVID-19. After bringing it current in XXXX with almost {$2000.00} worth of payments that drained my 401k, this company refused to offer any assistance above and beyond the 1 month extension that is available every six months on their loans. I called in XXXX to request a voluntary surrender - and reached a manager that refused my request and changed my due date instead as thats the most they could offer to assist to keep my account current. When speaking with Mr. XXXX and him continuing to reiterate that their company had no other options to assist me with my payments - I requested a voluntary surrender. He agreed and advised he would expedite the order. I requested that he have the repossession company call me before coming to secure the unit and if the call did not go through for the agent to text me - neither happened. In fact, on XX/XX/XXXX I looked outside to find the unit was gone with no contact attempts made to me. I reached to Mr. XXXX - he never called back. Upon contact with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX FL, they advised that the voluntary surrender order was sent over as a do not contact customer. Which is 100 % opposite of the discussion had with Mr. XXXX on XX/XX/XXXX at XXXX eastern time in a 16 minute conversation that was had. This was a wrongful repossession in my eyes. I had even discussed how I could go about simply surrendering my car to an auction directly - but that was essentially shrugged off. All I wanted was to avoid additional fees and costs added to my loan balance from a repossession company getting involved. That was obviously not cared about in the least.
Consumer complaint received 2019-08-24
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: EQUIFAX, INC. (TX)

I contacted Equifax and try open up a dispute on few accounts that are not mines and I marked them as fraud and send in some documents to them few times for three frauldent accounts which are XXXX XXXX   AND ANOTHER XXXX XXXX AND LASTLY XXXX XXXX XXXX XXXX XXXX ... XXXX I didn't apply for these accounts and Equifax keep disconnecting my phone calls each time I call and I have to call again and be on hold between 20-45 mins each time and this is getting frustrating and I don't have no patience at all and I have things to do with my life ... XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TN)

In XX/XX/XXXX I reached out to pay my debt and we agreed that in two payments debt will be paid and reported to the 3credit bureaus and asked to be cleared. I disputed this and it says I still owe but have proof of payments and dates.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I applied for a Chase Sapphire XXXX credit card on XX/XX/XXXX. Shortly after, the application was declined, and I called to request a review of the application. On XX/XX/XXXX, I received a call from a supervisor with the same department letting me know that upon reconsideration, the application was approved. I applied for the Chase XXXX credit card on that same day. On XX/XX/XXXX, my Chase Sapphire Preferred credit card account was closed and the pending Chase XXXX credit card application was also declined. I called to request a review, and received a callback from XXXX with the same department on XX/XX/XXXX letting me know the Chase Sapphire Preferred account was reopened, and the Chase XXXX credit card application will be reconsidered. The application was approved shortly after. However, on XX/XX/XXXX, again, my Chase Sapphire Preferred credit card and my Chase XXXX credit card were both closed, with the same set of reasons given as the letter sent to me on XX/XX/XXXX. I requested a review again, and got a call from XXXX on XX/XX/XXXX letting me know the account will remain closed for the same reasons. I called again and was advised that it is highly unusual for accounts to be reviewed again in such a short period of time, and given my circumstances and that both times the reasons given for the account closure are the same, I can not comprehend why the same set of reasons could yield two totally different decisions. I can only imagine that the true reasons may not have been provided. Furthermore, its simply unacceptable from a consumers perspective to be approved a credit card that was closed so soon when my credit information hasnt changed, even though it was cited as the reasoning behind the review. I am writing to request the Executive Office to reinstate my credit card accounts ending in XXXX and XXXX. Thank you.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (MO)

On XX/XX/2018 BMW Financial Services reported to XXXX  that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (UNITED STATES MINOR OUTLYING ISLANDS)

My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.

I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.

In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.

Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.

Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.
Consumer complaint received 2020-07-24
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 have tried multiple times to dispute inaccurate information on my experian, XXXX and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Consumer complaint received 2022-10-15
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)

I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.
Consumer complaint received 2021-05-01
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. (MT)

The XXXX XXXX account keeps reporting late payments. This account should not be on my report. One month it will show all green payments on time, with 3 late payments for XXXX, XXXX, and XXXX, when it reported XX/XX/XXXX showed 1 late payment with no other payment history, today, XX/XX/XXXX, shows all late payments. The reporting on this account changes weekly and has been on my credit report to long. I have disputed this account, I have asked for verification of my signature and since XX/XX/XXXX I have still yet to receive any documentation proving this account is mine.
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I think Citizens bank needs to be examined for unfair and deceptive trade practices. I recently set up a recurring automatic payment to come out of my account to pay my mom 's assisted living rent each month. I set it up online through Citizens using their online bill payment functionality to come out of the account on the XXXX of each month beginning XXXX/XXXX/15. I also set up to get a reminder email too. Well to my surprise I got the reminder email yesterday XXXX/XXXX/15 stating that they were processing it yesterday and that the estimated delivery date per their experience with XXXX XXXX was XXXX/XXXX/15. The payment would be sent out via Mail since XXXX XXXX is not set up to electronically receive payments. Panic set in after getting this email since my mom 's XXXX check is not directly deposited until XXXX/XXXX/15 so if XXXX XXXX happens to get the check prior to that date it will bounce and fees will be assessed by both XXXX XXXX and the bank. This is unfair and deceptive since all the labels on the screens I filled in on Citizen 's website list the send date as XXXX/XXXX/15 and payment date as XXXX/XXXX/15. Sounds to me like Citizen 's has a big fee maker going on. I wonder how many consumers have had to be bounced check fees because of this practice. They need to change their program to include at a minimum a send date and a due date like other financial institutions. I have attached exhibits to support my claim. I called the bank customer service for something else and brought up the subject and they put a note on the file. The confirmation number for that note is XXXX dated XXXX/XXXX/15.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a Capital One credit card for many years. The card was originally with XXXX and was then transferred to Capital One a couple of years ago. OnXX/XX/XXXXI paid off my balance in full. On XX/XX/XXXXI was charged interest in the amount of {$2.00}. I called Capital One multiple times and was told the {$2.00} could not be credited because the card balance had not been XXXX for the past 2 months. They informed me that I should have called them prior to paying the balance off to get a payoff quote. This card is not a loan or line of credit account. I have never been told in the past that this is how the card works. I have never heard of a credit card being set up this way and don't think this is a valid practice they should be using. After several calls and requests for supervisors I was able to get someone to credit me the interest after telling them I would be reaching out to the Consumer Financial Protection Bureau.
Consumer complaint received 2018-07-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Solutions, Inc. (SC)

While checking my credit on XXXX XXXX  I saw a collection account for the amount of {$1500.00} posted by Receivable Solutions , Inc. on behalf of XXXX XXXX XXXX ( XXXX ) with an open date listed as XX/XX/XXXX. I have not been seen by XXXX this year. I have never received the details of what this debt is for. I disputed it on XX/XX/XXXX with XXXX XXXX, and I was sent a bill. I did not nor have I ever received an invoice or explanation of the debt just a bill showing this vague amount they claim I owe. The last time I was treated at XXXX was in XXXX and again in ( I think ) XXXX.
Consumer complaint received 2023-01-03
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.