davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Two years ago I ordered via the internet virus protection service for my computer for two years from XXXX vendor with my Capital One XXXX credit card. 

I never authorized XXXX to automatically renew this virus subscription service. Subsequently on XX/XX/2021 my credit card was charged {$110.00} for subscription renewal for XXXX. 

I informed Capital One that I did not authorize this charge several times. I asked them to dispute this charge and close my account. Capital One has sent me numerous letters asking for receipts for this original purchase. I explained to them that it was two years ago and never received a hardcopy receipt. 

I have other credit cards and never experienced the amount of wasted time and frustration to do two simple things ... .dispute a charge that I did not authorized and close my account. 

My case number with Capital One regarding this matter is # XXXX. 

Please help me resolved this matter once and for all as I do not want my excellent credit rating damaged by this unauthorized charge. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-04-06
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 recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Consumer complaint received 2021-03-26
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: CAINE & WEINER COMPANY, INC. (IL)

This is a NEW Complaint filed on XX/XX/2021. The information provided was unresponsive to my demands. The following statement was included in a previous response from Caine & Weiner the balance due is not owed to Caine & Weiner. The balance is owed to XXXX XXXX. Also quoted We have no information on file to contradict that the consumer made that payment to initiate coverage. This is not a confident response by any means, the debt collector clearly has no proof or even a general idea of the account in general. I respectfully request you Caine & Weiner return this account back to the original creditor immediately. This process has been very unprofessional & I will be looking to further escalate this process if we can not fix this problem. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, or Copy of Florida State ID both are needed to obtain Florida car insurance.
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

XXXX XXXX  XXXX using a creditor called XXXX XXXX XXXX XXXX has contacted me via mail and postal that is saying that I owe a medical debt to a company called XXXX XXXX XXXX that I used a ambulance and XX/XX/2018 and that I owe {$2900.00} and that they will settle for XXXX. 
I never used an ambulance I was never went to the hospital so I have no idea what this is about but I have checked this company on the XXXX XXXX XXXX  website and they are fraudulent there are many complaints about them.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

On XX/XX/XXXX, Nationstar, dba " Mr. Cooper '', extracted {$1800.00} from my checking account without my approval. An email was sent to myself and MANY other customers notifying us of the issue, however, this doesn't excuse the issue itself. " Mr. Cooper '' deposited the same amount, {$1800.00}, back into my account. 

I had spoken to representatives at the company who, while " very sorry '', was not able to provide a 100 % guarantee that this issue wouldn't happen. They proceeded to state the issue was not with " Mr. Cooper '' but with the 3rd party payment processing company they use.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

STATEBRIDGE MORTGAGE COMPANY transferred mortgage servicing without notice to property owner. Made payment online for over 1 year. As of XX/XX/2019 No payment can be made online at : https : //www.statebridgecompany.com/XXXX Confirmed mailing address with STATEBRIDGE MORTGAGE COMPANY XX/XX/2019 via phone.
Consumer complaint received 2017-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (MO)

Equifax is reporting late payments on my XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect information is harming my credit score. I have disputed this directly with Equifax and XXXX and still this issue has not been resolved. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2017-11-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WMC MORTGAGE, LLC (MD)

I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

New Rez became our mortgage servicer a few months ago ( XXXX XXXX   was the original servicer ), and they placed insurance on the property because they did not secure proper documentation from XXXX XXXX   indicating that we already had that. Once they informed us, we quickly sent them the necessary information. On XX/XX/XXXX, we have a letter from new Rez indicating that we had successfully proven our insurance coverage on the  property and the lender placed insurance was removed. On our XXXX mortgage statement, we observed the cost of the lender placed insurance along with a refund for that amount in full on XX/XX/XXXX, indicating indeed that our lender placed insurance was removed. Nonetheless, our mortgage payments went up as a result. I called customer service and they told me that our escrow balance was indicating a shortage because of that lender placed insurance so I had to request an escrow analysis. I did so in the beginning of XXXX. They told me it could take up to 2 weeks for the analysis to be done but once it was, the payment should revert back to the original amount. It has still not reverted despite numerous attempts to call and email them. I called customer service, got bounced around a lot on the phone with no one able to provide any semblance of an explanation for why the payments were still high. On my last call, the representative told me that the lender placed insurance was still indicated on my loan, even though they had sent me a letter 60 days prior saying it was removed. I emailed loan servicing and got no response ( now 8 days ago ). Meanwhile, my payment has still not been adjusted, so they are stealing money each month.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thunderbird Collection Specialists, Inc. (CA)

In XXXX  XXXX XXXX ( now XXXX XXXX XXXX ) included me on a judgement that that they had no legal ability to do. I received a court order to remove my name from the judgement. The HOA/Management company hired Thunderbird Collection Services ( TCS ) to collect on this inpropoer judgement. I have disputed this debt at least 20 times over the years, spoken with TCS and XXXX XXXX  and to no avail - it is still currently listed as a collection on two of my three credit reports. This incorrect posting by TCS has prevented me in qualifying for auto and home loans. The credit bureaus have contacted TCS to confirm the debt and TCS has continued to confirm the debt - despite the fact that I have provided TCS with a copy of the court order removing my name from their judgement.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CT)

It appears my checking account with Wells Fargo was closed out, account no longer listed with online banking, savings account showing XXXX balance. Before closing, the checking account was over drawn in the amount of $ XXXX, which reflects a provisional credit reversal in amount of {$290.00}, a debit card purchase from XXXX made months prior. Previously, I attempted to resolve XXXX disputed purchase, Wells Fargo accepted forged signature as proof of delivery, despite the fact I do not sign my name as XXXX XXXX The package was sent via XXXX, driver has a habit of forging signatures, leaving packages elsewhere and or where they can be stolen ... .This was explained in a prior CFPB complaint in re, Wells Fargo rep ( s ) chose to disregard it and would not reverse debit in amount of {$290.00}. As it appears account is now closed, I request Wells Fargo resolve negative balance by crediting back amount of {$290.00}, failing to do so, I request name and number of collection agency account may have referred to.
Consumer complaint received 2022-04-06
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. (IL)

Experian continues to report fraudulent information after I provided my FTC identity report along with proof of identity and formal letter of request to blockthe fraud items pursuant to section 605b of the FCRA. I was quickly able to resolve with XXXX and XXXX with the same information. I continue to face damages due to the reporting of the harmful information due to identity theft. This is a violation of my consumer rights to remedy identity theft. It is also Fraud Enablement to report the fraudulent accounts. I submit this complaint to document the unfair reporting of fraudulent information by Experian against me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, Experian as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

My Credit score is / has been in the 700s, and this company continues to charge a ridiculous rate of 27.24 %, which Charges me Approx {$22.00} a Month interest every month. 

I called the company several times and they keep saying, We do not have a promotion at this time.
Consumer complaint received 2019-02-19
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: Nelnet, Inc. (MO)

XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. 

DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.
Consumer complaint received 2017-11-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collins Asset Group, LLC (WI)

Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-09-17
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. (TX)

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX  XXXX proving the late payment is inaccurate
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (PA)

The Fair Credit Reporting Act gives me the right to request the source of information that appears on my credit file.

I submitted a dispute request for the source of information, as permitted under Fair Credit Reporting Act, Section 609 regarding XXXX XXXX  Account # XXXX which is appearing on my Experian Credit File.

I asked the CRA, Experian, to remove this item from my credit report, unless they can provide me with the source of the information, such as an original contract bearing my signature. This is a right that I have per Fair Credit Reporting Act, Section 609.

Experian has failed to properly investigate my dispute.

Experian has updated my file, without properly investigating, while not providing me the information I am entitled to under the Fair Credit Reporting Act. They have listed the item as " remains ''. They are in violation for not properly investigating my dispute.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Have received numerous calls from Portfolio Recovery Associates from spoofed numbers. Today XX/XX/19 XXXX EST auto dialer there was a long pause before someone responded. They asked for me by my old last name ( prior to marriage ) and stated this was a recorded line. I told the woman on the line that clearly due to the long pause they are using an auto dialer and that I have numerous times ask that they not contact me. They have also called my cell I have since changed it due to their repeat calls, I block their number and they call back under a spoofed number. 

Prior letters this company have sent were for a time barred debt so they stated they could not sure but continue to call.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, XXXX/XXXX XXXX XXXX  add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit report per TransUnion. 
On XX/XX/2020, JPMCB - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-06-06
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 and Transunion are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, XXXX and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.