davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Collection Connection (CA)

On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.
Consumer complaint received 2015-12-16
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Michael Andrews & Associates LLC (FL)

Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.
Consumer complaint received 2019-10-25
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: CITIBANK, N.A. (FL)

In 2012, while still in the US military and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXX XXXX room was supposed to be charged to their respective US military issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from XXXX XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Consumer complaint received 2016-08-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (NY)

I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IL)

My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SC)

I was just wondering why I have had so many NSF charges on my account. I looked my checking account up on line n a balance n 4 or 5 transactions were pending n then I use my card n then next thing they say I'm in the hole n NSF charges.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO. (IL)

I was called on XX/XX/XXXX by a notifier representing XXXX XXXX law firm that paperwork was mailed to me and was calling to confirm paperwork was received by me. I asked them what this was regarding, and the representative said it was for a case represented by the law firm. The representative asked me to verify the address, I refused and I asked the number of the law firm so I could get more information. I then called the law firm on XX/XX/XXXX, they told me that they were a broker representing Chase Bank looking for request for judgment or mediation on a case open against myself. They told me I owed {$1500.00} and if I went to court I would owe {$4100.00} plus lawyer fees. I asked them when was this account from, they told me from XXXX and it went to collections and they gave me the card number. I told them at that time I did not have an account open with Chase Bank and I have had multiple credit check from XXXX until now and that specific account had never shown up on my credit report. They told me that XXXX had to remove it in order to send it to litigation and therefore I would not see it. I told them that I have not received anything in the mail and they then said they could email it to me. I told them I would be waiting for their email and verified mail paperwork before I make any decisions. I now see this is fraud because a lawyer must send paperwork via USPS and not via email if this was a open court case with the county I live in. I also check online via my county website to see if I had open cases against myself and the search came up with no cases against me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XX/XX/XXXX Last XXXX of social XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXX XXXX  XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX/XXXX/XXXX, I called chase to product change a card and the customer service rep changed the wrong card resulting in my accruing less rewards and not having use of the chase travel portal. Chase has delayed the reversal of this change each representative telling me that it would take a different amount of time to see the reversal. I am traveling in 1 day and am unable to use my card for travel as they changed the expiration date on the unwanted card.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

The account was a wayfair store card with comenity bank. Comenity bank stopped doing business with wayfair and all accounts were closed. I still owed a balance and continued to pay on it until XXXX of 2021 when I just went ahead and paid it in full. The card was closed because the company was no longer accepting the cards. Comenity continued to charge me interest for XXXX, XXXX, and XXXX after I paid it off. Then they charged me a late charge too. In XXXX I got a text message telling me I was behind so I called the company. The XXXX  the balance for the incorrect charges but said they could not correct the credit reporting. Below you will see in attachments that I paid this off in XXXX but they still charged me interest after it was paid off. Each additional month I was charged interest and a late fee. The XXXX statement with a XXXX  balance is not available yet.
Consumer complaint received 2017-10-20
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)

XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP (NC)

I applied for a conventional mortgage in XX/XX/XXXX of this year with a closing date of XX/XX/XXXX. They had 45 days to acquire all of the necessary documents. I informed them that I would need to have final numbers for closing a week before the closing date due to travel time to the closing. Calls to loan officer 's assistants went unanswered as did requests through emails. As of the XX/XX/XXXX they have not given me the amount I need to close. I have to have time to get a certified check and allow travel time and this is the last day that it can be done. Just wanted to let other people know that Homedirect Mortgage  is not concerned about the customer 's needs.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX I requested a withdrawal of XXXX eur from my Coinbase account to my bank account. Coinbase sends me an email indicating that the money would be in my bank on XXXX XXXX. Today I still do not receive it in my bank account. I contacted the Coinbase support team but received no response
Consumer complaint received 2023-01-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. This is my follow-up complaint to my previous submission. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

On XX/XX/2019 a letter from Aldous & Associates was mailed to me in an attempt to collect a {$60.00} debt due to XXXX XXXX. I've previously cancelled my fitness membership with XXXX  about a year prior to this letter, and have had several e-mails sent to them about this issue. I have cancelled my membership and yet was being charged month after month.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

I would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.
Consumer complaint received 2022-08-25
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. (FL)

Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OH)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (IL)

The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.