davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (TX)

HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.
Consumer complaint received 2019-02-25
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. (FL)

I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (WV)

Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ). 
Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would. 

PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}. 

PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX. 
SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT. 
MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL. 
Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts. 

Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ). 

BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}. 

AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN***
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (FL)

Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.
Consumer complaint received 2015-06-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (WA)

Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I completed my American Express Platinum card Platinum $ XXXX spnd/XXXX MR Pts signed up bonus and these points were posted to my account on XXXX/XXXX/2016. On XXXX/XXXX/2016, American Express took these points back due to " adjustment ''.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I opened an American Express Platinum personal credit card that has a welcome bonus of XXXX Membership Rewards points if I spent {$3000.00} on the card in the first three months. I fulfilled this spending requirement and was awarded the points. When I went to transfer some of the points to an airline transfer partner, I got an error and when I called an Amex phone rep told me that my points ( as well as those of all individuals who applied for the card ) were being frozen pending a review. They instructed me to wait 6-8 weeks for the review to be completed. On or around XX/XX/2016 I logged into Amex and saw that the points had been removed from my account. The Amex phone rep could give me no details as to why the points were removed. She did open an " XXXX '' case and told me Amex would be contacting me within 72 hours. That did not occur and another phone agent I spoke to subsequently confirmed that he had no ability to review my account. He also told me Amex would be in contact with me. That has not happened and I have not received any correspondence via mail, phone or email letting me have any information on what is happening.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC (WA)

I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.
Consumer complaint received 2017-03-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (OK)

XXXX did not advised me this was attempt to collect a debt and also stated they would remove it off my credit report while they investigate it still remains on my report and the address that is on this account is a address i have never lived at.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (GA)

The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month
Consumer complaint received 2022-09-06
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: DISCOVER BANK (CA)

I contacted Discover card about a {$3.00} charge from XXXX will not stop the charge because I do not have a serial number even though there is a chance that the product was returned to them..XXXX alleges they dont know what product so they wont cancel servicewhen I contacted Discover they directed me to XXXXno one wants to take ownershipI want charges reversed for 12 months or around {$50.00} and the charge to immediately stop
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I received an alert stating that a collection ( Fair Collections and Outsourcing ) was placed on my credit profile with Experian.I contacted Experian about said debt and from there I disputed the collection. The collection came back as verified by Experian. I called Experian several times after seeking information but none avail. I began to do my own investigation and from there I discovered that the " collection '' is a civil judgement. I went to the 61st district court in person and spoke with a clerk, whom advised me that no one ( Experian nor any other 3rd party agencies ) has been in to verify any information on the civil judgement. Also upon speaking with the clerk I learned that the information Experian is reporting is not the same as the civil judgement. The civil judgement is for {$2300.00} which is what the 61st district court has. Experian has the collection ( civil judgement ) reporting as {$3800.00}. The dates aren't the same either. This all violates my rights pertaining to Fair Debt Collections Practices Act. Also, Experian has violated the laws set forth on how civil judgements are reported on credit profiles. NO classification code was added! Experian has NOT reported a full file monthly! Experian has NOT included a name, address, social security number, date of birth to said collection. Experian nor any other 3rd party agency has continually verified the information by making courthouse visits at least every 90 days!
Consumer complaint received 2016-09-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc. (OH)

FFCC-XXXX XXXX I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with FFCC-XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FFCC-XXXX and I believe it is a HIPPA Act violation. I request that FFCC-XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FFCC-XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SD)

We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.
Consumer complaint received 2016-10-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

I purchased a XXXX XXXX almost three years ago for {$17000.00} plus taxes. I put {$4000.00} down and paid on time. I missed one payment but have been paying more to try to make up for it. Our payments are {$390.00} a month and have so far paid at least {$12000.00} in payments. We keep getting hitting with outrageous interest and charges. For the past year we have been paying, they keep saying we owe more than {$12000.00}. There is something that they are doing that is n't legal. Please look into this because I feel we have been taken advantage of.
Consumer complaint received 2015-08-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC. (FL)

Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.
Consumer complaint received 2016-04-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

They sent me a bill for {$95.00} to pay the account in full. I logged into their website to pay this amount. I paid {$95.00} with a credit card. I discovered 17 days later that they actually drafted {$130.00} from my bank account.
Consumer complaint received 2016-12-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a savings account with CitiBank ( hereinafter " the Bank '' ) in response to the Bank 's mail offer. Under the offer, the Bank promised to provide me with a cash bonus of {$300.00} if I fund my savings account with a deposit balace of {$25000.00} - {$49000.00} by XXXX/XXXX/16 and maintain the minimum deposit until XXXX XXXX. I have met all the requirements, but I have not received any promised cash bonus from the Bank as of today.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.
Consumer complaint received 2021-06-04
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. (IL)

I have been trying to change my name in the Equifax system for the last 3 months to no avail. In 2016 I legally changed my name. The other credit bureaus either have both names on file or my current name. I had no difficulty making the updates in their systems. However, the Equifax process is terrible. When I initially called them about changing my name, they told me I had to fax the documentation to them. When I informed them that I didnt have a landline telephone to enable me to fax, they said my only recourse was to send the documents through regular mail but it would take longer. They said they couldnt facilitate receiving scanned documents the way most technology businesses today can. So I mailed the documents. Later, I stumbled upon their my Equifax site. There I found I could file a dispute to change my name online. I uploaded my new drivers license, my new social security card, and the court order approving my name change as requested. A month later I received an email notice that my dispute was closed. I never received information about why my name hadnt been changed, but the system didnt reflect my new name. So I filed another dispute with the documentation they requested and I called them. The gentleman I spoke to said he could see my dispute and that I included the appropriate documentation. Today I received another email informing me that my dispute was resolved but it was addressed to my old name. The email gave me the link to the my Equifax website to check the dispute results. After I login, the site informed me that I had zero disputes. It also indicated I had alerts. The alerts indicated I had dispute results. When I clicked on that link, it logged me out of their system. They keep denying my request without telling me how to fix it. Im afraid that I wont get this resolved before the rates go up substantially. Im struggling to understand how a technology dependent company can have such bad technology. Please help!
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX     XXXX   XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late
Consumer complaint received 2017-02-13
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made a payment of {$4200.00} to CapitalOne to pay off my charge card nearly 3 months ago. CapitalOne can not find the check in their system. However, I have confirmed with my bank that CapitalOne cashed the check. I have called nearly every day for the past many months and get no where closer to a resolution. The issuing bank gave me a " affidavit of forgery '' document which they need CapitalOne to complete. The issuing bank can not proceed with its investigation until this document is completed by CapitalOne. CapitalOne refuses to complete this document. In the meantime, my credit is destroyed and I am out {$4200.00}. No one will help!