davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Received a call from a XXXX XXXX stating he was from capital one fraud dept. phone number was ( XXXX ) ask if I would confirm a charge to ( XXXX ) in the amount of XXXX. 
The Capital one card we had has been canceled. No one can charge on that account. He transferred me to a ( XXXX XXXX ) she was able to give me my name,, address, birthdate and SS number associated with that account. She also gave me my husbands info. She wanted to know the expiration date on our card and also ask for our debit card info used to purchase groceries. I told her she had the wrong person. The info was not right and I was giving them no information on any card I also told them I was contacting Capital one and check them out. I hung up and blocked their names on my phone.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NV)

Service fees on checking accounts? Really? I did n't realize they had even started doing that till I was out of work. Then I was penalized because I did n't have enough money. I did n't even over draft. I simply did n't have the minimum balance to avoid a fee. The logic on this is backwards - if you have money, your checking is free, but if you 're barely scraping by, we 're going to penalize you by taking even more money out of your account? I bank with Chase. If I can find a bank that does n't charge me simply for keeping my money in a checking account, I will change. But this is usury. This is what monopoly looks like. This is what no regulation looks like.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harris & Harris, Ltd. (IL)

Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2015-10-10
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC (TX)

Re : Your Application for LendUp 's Credit ServicesWe 're sorry. We can not approve you for credit services at this time. Please understand that asa XXXX Business XXXX XXXX XXXX, we provide as part of our credit services a guaranty on behalfof consumers for whom we arrange loans with third-party lenders. We therefore assess yourability to repay the loan you desire in determining whether to provide our credit services. 
While we are working hard to find a solution for every consumer, we regret to inform you thatwe are unable to offer you credit services at this time. 
Your application was processed by a credit scoring system that assigns a numerical value tothe various items of information we consider in evaluating an application. These numericalvalues are based upon the results of analyses of repayment histories of large numbers ofcustomers. 
The information you provided in your application did not score a sufficient number of points forapproval of the application. The reasons you did not score well compared with other applicantsmight include : Unable to verify the supplied bank account information
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have not received any validation documentation from United Revenue Services. A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 
The credit bureaus that are reporting this inaccurate information has failed to send any communication in response to dispute letters that were sent asking for validation. Please remove from my credit report at once until this is investigated and the debt is proven to be mine. XXXX has failed to complete an investigation into the account in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A
Consumer complaint received 2020-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Toyota Financial Services reported my husband and I, in XXXX of XXXX, to the credit bureaus and ruined our hard-earned credit scores, which were in the 800 range over a balance of {$23.00}. This balance was from a car accident that our daughter was involved in XXXX XX/XX/2018 XXXX, and it was not even her fault. Our XXXX XXXX ( lease ) was deemed a TOTAL LOSS, and our insurance company paid out all debts to Toyota Financial Corporation, or so we thought. We had no idea that there was a remaining balance of {$110.00} on this vehicle, which in reality ended up to be only {$23.00}, after Toyota Corporation received the Abatement Refund of {$92.00} in XXXX of XXXX. 

Never once did anyone from Toyota Corporation call us to ask for this minimal balance. Long story short, in XXXX of XXXX, after receiving a letter from Toyota stating they reported us to the Credit Reporting Agencies, I immediately phoned Toyota Corporation and paid off the remaining small balance of {$23.00}, but the damage had already been done to our Credit Scores. I continued to ask Toyota Corporation for help to redeem back our high credit scores, and spoke with numerous customer reps/supervisors from various departments. All of them told me they had never heard a story like ours. They too were shocked that our credit scores were ruined over a small amount, and it was over a car accident that wasn't even our daughter 's fault. Repeatedly, I was told that there was nothing they can do on their end, and that the only option was to write the TFS Dispute Group. My husband and I wrote a letter to the dispute group at XXXX XXXX XXXX XXXX, MI ( no email or phone available ), and they denied our request to have our debt/report removed from all Credit Bureaus. 

It has been over two years now, and we are asking CFPB to help us ask Toyota Financial Services to remove our negative credit hit/report, so we can redeem our hard-earned credit scores and qualify for better interest rates on loans. My husband and I have worked hard throughout the years to establish our credit scores. We have always and continue to pay our credit cards in full, making sure we never have a late payment. In addition, we have been loyal customers to Toyota Corporation by buying and leasing numerous vehicles throughout the years. We were devastated that this is how Toyota Corporation values loyal, and good paying customers. We look forward to a response, and hope for a good outcome.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I was XXXX XXXX in a XXXX XXXX caused by an XXXXXXXX XXXX who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX XXXX XXXX XXXX XXXX Im waiting for my XXXX  XXXX, XXXX still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (NJ)

I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (UT)

In early XXXX, I noticed a charge that I was n't familiar with on my Sam 's Club MasterCard Account Statement from Synchrony Bank. The charge for ~ {$200.00} was made on XXXX XXXX in XXXX, FL and I live in UT. Synchrony Bank has a very archaic inquiry process which required me to complete a manual form and fax or send my inquiry in for processing. A response to my inquiry was finally sent on XXXX XXXX. The information provided by the Bank indicates that there were XXXX separate MasterCards used to pay for XXXX transaction. Each of the XXXX cards were charged the same amount and were signed by the same person. In addition to a Receipt of Charge for my account that I did not personally sign, the Bank also provided a copy of the driver 's license for what appears to be the individual who signed each of the XXXX Receipts of Charge. The letter from Synchrony Bank that accompanied this detail advised me that the transaction is valid and that the amount in question is now subject to interest charges and will be used to determine my minimum payment due. It does n't take a rocket scientist to realize that I did not sign for the transaction and that the identification provided ( driver 's license ) by the individual initiating the transaction does n't match my account. From my perspective, the transaction is clearly fraud, my card number has been compromised, and the length of time and the process required for me to identify and subsequently reach out to the Bank a second time to address the issue is clearly unacceptable. The Bank should have fraud detection processes in place to proactively identify and review charges that are potentially fraudulent. My transaction should have tripped the Bank 's fraud detection filters. The customer service reps whom I spoke to regarding the fraudulent transaction did n't give me a great deal of confidence that the matter would be handled appropriately. I 'm also concerned that the Bank provided me with a copy of another person 's driver 's license complete with name, address, date of birth, etc. ( PII ) without the individual 's permission. At this point, I 'm waiting for the charge to be deemed fraudulent, removed from my account, and to have my current card replaced with a new account number. I 'm also concerned that there are XXXX additional cardholders who received the same charge that I received on XXXX XXXX ( per support that I received from the Bank ) who potentially did n't or have n't yet identified the same fraudulent transaction in their accounts. The customer service rep initially advised me that these cardholders would need to dispute their own transactions but after additional pushing on my part said that they would attempt to alert the other cardholders of the potentially fraudulent transactions. I do n't find my experience, brought about by very poor operational and risk management processes, to be acceptable for any financial institution let alone one that is supporting such a large partner as Sam 's Club/Walmart.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC (OH)

This company has tried to collect time-barred debt or debt that is not mine. I reported them once a few years ago and it stopped. They have started calling me again. They call from XXXX and tell me to call Mrs XXXX at XXXX x XXXX. They called on XX/XX/21 at XXXX XXXX, at XXXX XXXX. Called on XX/XX/21 at XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-10-16
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. (NY)

I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, XXXX, XXXX  Account : XXXX Amount : {$0.00}, XXXX   Account : XXXX Amount : XXXX Experian Account : XXXX Amount XXXX .This account is not mine XXXX XXXX  XXXX, Date XXXX XX/XX/XXXX, Experian Account:XXXX  : Amount XXXX {$1000.00}, XXXX  Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OR)

To whom it may concern. 
I have a few concerns with my HAMP loan modification with Chase Bank Starting XXXX XXXX XXXX with my Trial Period Payment. I feel these needs to be brought to your attention for review. 
# 1 - My first concern with my HAMP loan modification Is that I was paying my Property Tax and Homeowners Insurance before starting the trial period payments. Chase added an Escrow account to my HAMP and took Escrow out of my Trial Period Payments [ TPP ]. None of this Escrow from my TPP shows up as applied funds in the History I received to check on how my funds were being applied. These funds being made to an Escrow account total {$560.00} from the XXXX XXXX 's and on XXXX XXXX only {$180.00} is being applied to Escrow. 
# 2 - When I received loan modification papers. I called XXXX XXXX, the representative which worked with me on my loan modification process. I asked about the {$1100.00} shortage that was in the cover letter with my final Loan Modification documents. This statement included in my escrow payment of {$180.00} and I would have 5 years of payments to repay the {$1100.00} shortage. XXXX said the increase was around {$20.00} ( I figured the exact amount to be {$19.00} ) or I could pay full amount. I opted to do the 60 month payment plan. 
In XXXX XXXX, I received a letter from Chase Bank escrow department stating I was short {$1800.00} ( different from when the loan modification that just started ) there was an : o Option A : to pay the {$1800.00} shortage in full. 
o Option B : pay {$31.00} over 60 months. 
I opted for Option B once again. This brought my loan up from {$870.00} to a new amount of {$940.00}. I now question whether the 60 month Escrow program can be reinitiated once it has been started. 
Now my new payment starting XXXX/XXXX/XXXX was {$68.00} more than my first payment. If I was to pay an extra {$31.00}, this figure should have brought my new payment to {$900.00}, not the figure Chase Bank came up with that was so much more. 
Then another increase starting XXXX/XXXX/XXXX to a new amount of {$950.00}. 
The shortage again increased starting XXXX/XXXX/XXXX with a new amount of {$960.00} The letter dated XXXX/XXXX/XXXX still showed a shortage of {$1400.00} with a new monthly payment starting XXXX/XXXX/XXXX is {$970.00} which includes {$45.00} extra for next 32 months to pay back the shortage. 
I would like your offices to be informed about XXXX 's from Chase which is more than what actually was paid by homeowner to Chase in interest. If homeowner claims what Chase is saying and the amount was really a lot less, what are the repercussion with the IRS by taking Chases figures from the XXXX that could be wrong.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-16
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)

I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, Date:XX/XX/XXXX, XX/XX/XXXXAccount : XXXX Amount : {$0.00}, Equifax Account : XXXX Amount : XXXX XXXX  Account : XXXX Amount XXXX .This account is not mine XXXX XXXX XXXX  Date XXXX XX/XX/XXXX, XXXX   Account:XXXX : Amount XXXX {$1000.00}, Equifax Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit
Consumer complaint received 2020-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ...
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc (TX)

Transfinancial can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the XXXX visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XXXX XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or Transfinancial. Per my discussion with them in XXXX XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the XXXX company had done its proper due diligence, they could have been paid as well. Thus, TransFinancial did not perform proper due diligence to verify the legitimacy of this debt.