davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Medical Management, Inc. (PA)

I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

Made payment to GE/XXXX/Synchrony Bank ahead of due date.  Due date was XX/XX/XXXX for $XXXX. Paid online $XXXX on XX/XX/XXXX. Received an email stating no payment received (XX/XX/XXXX.) Verified immediately with payment confirmation (XX/XX/XXXX), my bank (XX/XX/XXXX) and account online. Payment was received and processed.  I called Synchrony Bank (XX/XX/XXXX @ XXXX est.) Spoke with representative that could not help, except to remove late fee. Asked XXXX for manager. Spoke with Account Manager, XXXX (ID #:XXXX on XX/XX/XXXX @ XXXX est.) She said the account would be credited the late fee bringing it from past due amount of $XXXX down to $XXXX.  I stated, "How is that possible?" I only owe $XXXX for XX/XX/XXXX. She said I had to pay the late fee of $XXXX. It was in the XX/XX/XXXX Credit Card Laws. I stated, "You are penalizing a customer that pays ahead of time $XXXX." She said, "You have to pay it because you didn't wait for us to issue a statement." I replied, "How can you justify that? If you can, I'll pay it but you can't!" She said, "She has to do it with her credit cards so it's just the laws." I said, "Okay, I'll contact the Consumer Agency and see if that is correct because this is wrong."  We disconnected the call and I contacted FCPB. I spoke with XXXX (ID#XXXX.) She looked up the laws and could not find in the XX/XX/XXXX laws what XXXX was talking about. She offered to take my complaint but I chose online so I could attach the documents. Upon further research, I see that statements are generated on the XXXX. Payment was made on XXXX and received by them on the XXXX. Still, it is not right that I pay a penalty for paying the day they issue statements and they get their money the next day. Payment site also states: Please make payment by XXXX It does not stop you from paying before they issue a statement. This is not right!
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.
Consumer complaint received 2022-02-14
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Charge-off XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: William D. Meeker Enterprises, Inc. (FL)

I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (GA)

I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.
Consumer complaint received 2016-02-09
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AES/PHEAA (IL)

AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a third party check that was endorsed to me for payment of a job I did for the person the check was written out to. The next day I get a notice by email stating that my account is restricted to prevent fraud and to contact the fraud department of Chase. I contacted the number I was informed to contact and they said they need to verify with the person the check was issued to that I had permission to deposit the check into my account. I then gave them the number that I have to contact them and they said the number isn't registered as their name in the database they use to verify phone numbers. Come to find out my current phone number doesn't even come up as me in their database. They said that's the only way they can issue me my money and if I can't get them a phone number that is registered as them within 10 days my account will be closed. My tax return got deposited within those 10 days and I was told they would mail a cashiers check with the remaining balance in my account. I finally got the check and it was for {$0.00} when it was supposed to be at least {$1800.00} which was the amount of my tax return. I have been dealing with them for over a week now on the phone for hours a day and even going to the local branch and have not been able to access any of my funds and now I'm about to loose my house. That means my XXXX kids and I will be on the streets and it's all because chase won't issue my money to me. Not even my california state tax refund.
Consumer complaint received 2016-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AL)

XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid my Kohls card online on XX/XX/XXXX was {$130.00}. It was taken out of my account on XX/XX/XXXX and XX/XX/XXXX. I received an email stating my payment was returned. I called the number on the back of my card to see what the problem was. They said the customer canceled the payment which was not true I did not cancel the payment and they kept telling me it was returned. I proceeded to go to my bank and got a copy of the transaction that was paid to the charge card company And a statement showing it was taken out of my account. I sent them the proof and they still dont believe me. This is capital one charge card through Kohls. I have called them three or four times already I sent them pictures of the proof and I also made copies of the proof and mailed it off to them, I told them I will not pay again it was paid and I have proof, but they refused to give me any proof that it was returned to my account. I need help resolving this issue.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2016-02-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (NH)

Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XXXX XXXX, 2011 the XXXX XXXX XXXX XXXX of XXXX, WI on behalf of Midland Funding LLC, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and Midland have had complaint and action take against them in last year about how they handle debt collection.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MA)

My sister, XXXX XXXX, submitted a fraudulent application in a variation of my late mother 's name. The name used was XXXX XXXX XXXX using my mother 's social security number and my sister 's address of XXXX XXXX XXXX in XXXX, Massachusetts
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have account with American Express Blue and they have refused to take a dispute regarding XXXX interest charges that change with date year and amount in every monthly statement I receive and each time can not explain why and refuse to take dispute interest charges amount to XXXX dollars this is not for the regular monthly interest charge on my credit card for example for this month XX/XX/XXXX a charge for the month of XXXX XXXX {$36.00} promotional interest charged and same monthly statement XXXX XXXX purchase charge XXXX each month same date year different amount in interest charged this has been going on for almost XXXX yrs and each time refuse to take dispute against own credit card company even though I have paid off balance in question this year XX/XX/XXXX
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows Balance {$8.00} and a Charge Off Amount of {$8600.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Offs - L in XXXX XXXX ; full XX/XX/XXXXyear ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (TN)

I have been put through pure XXXX from the moment I joined credit karma several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time credit karma keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like XXXX XXXX who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to 635 and now it is in the mid 500 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from credit karma that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

I pay {$97.00} since XX/XX/2020, for the last 17 months. This debt should be paid off this month. XXXX is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my XXXX account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in 17 months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.