davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NC)

I submitted a mortgage assistance application to my lender US Bank and the processor XXXX XXXX  phone # : XXXX extension : XXXX is requesting for all schedules for my Federal Bankruptcy. I provided the copy of the filing for the bankruptcy she claims she will not deem my package complete until she has my bankruptcy schedule which is unheard of, and the second portion has not been file i do not feel my process should be delay because they need my bankruptcy schedules that has nothing to do with my loan modification review nor its a federal guideline request. XXXX is dual tracking and asking for documents that have nothing to do with my review. I also spoke to someone in the Bankruptcy department according to the representative i spoke to they should not be asking for any schedules.
Consumer complaint received 2019-07-23
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: CORELOGIC INC (TX)

fcra violation why does credco need the same report 5 times remove all but one XXXX  did the same 2 inquires same day XXXX  XXXX never applied ftc CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I received an Alert from my credit karma account and they said the my score dropped 73 points because Equifax is reporting my mortgage as closed/sold or transferred. It's my XXXX XXXXXXXX account XXXX is how it reports on their response. The account is still opened and we are still paying on it. I feel they purposely did this because I am disputing things they are reporting.
Consumer complaint received 2019-11-13
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. (NY)

I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX XXXXk XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I receive a call weekly from tower loan in XXXX  stating that I am two payments behind on my account which is not true because I make payments bi-weekly. The company has gone to the point to use my social security number to find out my new place of employment and harass me at work. I work in a XXXX XXXX XXXX and currently am XXXX XXXX XXXX. When I asked them not to call my job I get remarks of " well if you answer your phone we wouldn't have to ''. I did not give them permission to call my job or anyone else. They harass all day everyday but then send letters asking would you like to borrow more money. I have spoke with several different agents XXXX, XXXX, XXXX, and today XXXX whom was extremely rude. They do not communicate with each other at all. One will call one day asking when a payment will be made. You give them a date and then less than 3 days later they call back.
Consumer complaint received 2019-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion shows a XXXX account as in collections and when i called XXXX they said they cant do anything because the account referenced is paid in full and is not in collection
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (GA)

I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne360 experienced a security breach through their card vendor and cancelled my card. I did not receive notification of this until at a XXXX. I called, it will take several business days to receive a new card, meanwhile I am literally going to go without food for several days because they couldn't be bothered to alert my when they were cancelling my card and start the process of sending a new one. 

No accountability or care for their customers.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC ()

Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (TX)

On XX/XX/2019 I requested my credit file from my annual report, I was unable to get my Equifax information. I proceeded to the Equifax website, I attempted to sign up for Equifax monitoring where I can view my report and monitor my score. After completing the sign up, A message stated unable to view please call. I called the number provided. I was transfer to 2 departments that was unable to find a reason I cant view my report and score, Over 10 minutes on the phone, the associates was very nice I must say. I answered all the security question correctly still no resolution. I'm in the process of purchasing a new home, my score on Equifax is the lowest of the 3.Equifax is not a choice of mine! We need them to work on the consumer behalf this is affecting people lives!!
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I opened an account with chase using a bonus coupon of {$200.00} I received in the mail for opening a new checking account with chase. I opened the checking account on XX/XX/2019 and met all of the requirements to get the bonus. I set up a direct deposit of at least {$500.00} to enter into the account within 60 says of opening the account. I never received my bonus. I contacted customer service and they said that my bank teller, XXXX XXXX, never uploaded the bonus voucher to the account. He took it to the back along with my {$25.00} deposit to open the account so I do not have a copy of it. I contacted XXXX XXXX on XX/XX/XXXX via email, but he was on vacation until XX/XX/XXXX and I was told that I would be contacted back when he returned. I called again on XX/XX/XXXX because I hadnt heard back yet and he said that he was looking into it and he apologized for not returning my email and that he just got back from vacation. On XX/XX/XXXX, I emailed again about an update & never received a response. I called on XX/XX/XXXX at XXXX & XXXX was in an appt, but she took my name and number and said XXXX would call back in about an hour. Its XX/XX/XXXX & I havent received an email or call yet.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

I keep getting phone calls from several phone numbers leading back to Diversified Consultants , Inc . They have left one phone message threatening me that they were going to call the police on me and have me arrested if I don't show up in court. The other times they just call and don't leave a message. I block the calls but then they call back only with different last four digits. The only credit cards I have are the ones I currently use and make monthly payments on them and have had no problems with the companies.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I got this letter / bill in my mail box stating : Dear XXXX your account was sold to Portfolio Recovery Associates LLC. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/XXXX that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/XXXX all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. XXXX XXXX  the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.
Consumer complaint received 2022-10-06
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX have 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 2019-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TN)

My prepaid card was charged XXXX for a fraudulent purchase. The purchase was Made at a XXXX in a city I have never visited. After communicating to American Express Serve that this was not a valid purchase the transaction was approved anyway. I filed a claim for fraud with American Express Serve and was told it would be resolved by the XXXX of XXXX. I never heard back from the company. I called on the XXXX and was told to check back on the XXXX. Checked back on the XXXX and was told to check on the XXXX. Called back on the XXXX and still no resolution. They will not share the findings of their investigation via email or phone. I just want my money back.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

I have a medical bill from XXXX XXXX XXXX from XX/XX/16. They never sent the bill to my medical insurance provider, XXXX XXXX XXXX, which they are legally obligated to per their contractual agreement. Since they are in-network they are required to submit the claim but they never did and instead sent me to a debt collector to try and get me to pay the full bill which I am not legally obliged to pay.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (NJ)

Receive weekly calls from, as per caller ID : XXXX. A recorded identical message is heard each time, " this is your final notice, etc ''. call XXXX ( Atlantic Recovery Solutions ). Failure to do so shall result in legal action ... ... .... The activity has been going on for several months. My wife, son and I, all with the same last name have been contacted.
Consumer complaint received 2022-10-06
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. (NC)

By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Reopen the complaint with Experian regarding the incorrect address where I have lived since XX/XX/2000 since it remains incorrect, i.e., 'XXXX  XXXX ' is omitted. Under Personal Information in my Experian Credit Report, the current address where I have lived since XX/XX/2000 should be corrected from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to the correct address, i.e., add XXXX XXXX : ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX As documented in the previous complaint, I've been trying to get this simple correction done for several years. What is the problem that Experian can't make this simple correction?
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I had low funds. A charge came through that caused the account to go negative ( less than {$3.00} ). When I noticed I quickly added {$3.00}. They still charged me {$35.00}. Then an additional {$30.00}. They have this : {$5.00} Overdraft Pass comes automatically with all personal checking and money market accounts. ATM and debit card overdrafts of {$5.00} or less are included if you are enrolled in Debit Card Overdraft Coverage. 

This should have prevented the fees. 
They should refund me the over draft plus all fees. {$65.00}
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

For more than a month now I haven't been able to access my online account. Which means I'm not able to see my account balance or my credit account balance, and it also means I can not make a payment to my credit card. Witch will obviously affect my account. 

I tried to reach HSBC on the phone, they transfer me to various departments, and nobody knows how to help me. 

I was asked to send a proof of address, which I was told I would get an answer in 5 business days. Nobody answered me.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE ACCOUNTS LISTED THAT ARE BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT WERE ADDED TO MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS ; IT HAS CAUSED TREMENDOUS DAMAGE TO MY NAME AND CREDIT.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (AZ)

I do not know why this debt is on my credit report. The balance is XXXX, the debt is XXXX, yet it is listed in collections. 
National Credit Management account XXXX Original Creditor XXXX XXXX University XXXX Date XX/XX/2015 Balance - Debt- Contact Information XXXX XXXX XXXX XXXX XXXX Mo XXXX I was never contacted for this debt and do not know what it is for.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Yesterday, on XX/XX/2018, I found out BANK OF AMERICA, summarily closed my account- and refused to give me my monies in that account- saying they have to hold them until account is closed- makes no sense, as ACCOUNT IS CLOSED THIS IS CONFISCATORY THEFT OF MY MONIES- WITHOUT DUE PROCESS OF LAW. I had about {$6.00} dollars there- stopped my debit card- and I am a XXXX, senior- and now can not pay my bills- ALSO ADVERSELY AFFECTING MY CREDIT AND CREDIT RATINg A few months before I had horrible fraud against my credit cards- giving me addiontla debt of {$12.00} plus- which the bank refused to honor- and closed my credit cards. I then opened a business account- and credit card issued for that was closed, without prior notice to me- The bank had made no effort to reimburse me for that theft=== THIS IS UNCONSCIONABLE- as they claimed there was possible MONEY LAUNDERING, AFFECTING 5 OTHER ACCOUNTS- gave me NO WRITTEN NOTICE- and made no effort to protect me nor reimburse me for these loses. Could BE ANOTHER=== XXXX XXXX XXXX, FRAUD by this bank No advance notices or written notices given me by the bank regarding the total of about over {$18000.00} ( XXXX XXXX dollars ), they have in effect STOLEN FROM ME- this is STEALING MY PROPERTY WITHOUT DUE OF PROCESS OF LAW- and they FAILED to protect me from the PRIOR FRAUD.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (UT)

I got my mortgage through XXXX who has the investment from XXXX XXXX. They told me I had to pay mortgage insurance until I reached 20 % of my loan to value. I called to see how much I needed to pay in order to get this removed. There was a severe lack of communication on their front. Not only do they require me to pay XXXX for a home estimate but they also won't remove it until I get to 25 % of the loan paid. They neglected to mention any of this in closing and in fact they told me it would automatically be dropped at 20 %.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services (VA)

I took out a loan for {$3100.00} in XXXX XX/XX//2017. 

I have been taken to court for {$280.00} late fee. 

Threaten to take to court for {$70.00} partial payment. 

Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. 

This company needs a audit of their practice and tactics to strong arm. 

I have had my account t number changed two times and concerned that this company just wants to take folks to court. 

My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. 

Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

This is a fraudulent charge. I would like the company/owner to prove that I was given the proper move in/move out due process. Signatures and dates on apartment paperwork will not match the proper parties involved. Forgery proven will make this debt a fraudulent charge.
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (AZ)

had a medical debt with dignity health for {$120.00}, finally paid it off but now progressive mgmt systems has damaged my credit score badly as i made payments to solve this debt as i paid the hospital directly instead of going thru progressive mgmt systems & is playing mean with me to damage my score maliciously due to the fact i didn't pay the debt to them but to the hospital!