davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

We were charged a {$95.00} annual membership fee on our XXXX Statement ( bill received and payment due in XXXX ). We decided to close the account and pay off balance rather than pay the fee. I closed the account XXXX XXXX, 20 days past the due date on the bill but prior to the due date on the next month 's bill. 

We received a late notice from Capital One, who is still charging us the {$95.00} membership fee in spite of us no longer having a credit card with them. I called today and spoke to a supervisor who refused to void this charge and says we were two weeks too late notifying them we were closing the account and we must still pay the {$95.00}. This time period notification requirement was buried in the fine print on the back of the bill. Since we are no longer a " member '' or cardholder, this is a ridiculous fee. A membership fee implies someone is receiving some sort of benefit from the association. Since we cancelled the fee, we are receiving no benefit from Capital One and should not be responsible for this fee. Unfortunately, not paying it will only hurt our credit rating, so we are held hostage by their loan shark polices.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BOA ) is not depositing a check from XXXX, my home insurance company. 

XX/XX/XXXX - Deposited check via mobile deposit. 
XX/XX/XXXX - Check deposited into the account XX/XX/XXXX - Deposit reversed. Called BOA representative. Said, " The payee endorsement was not done properly. '' Asked for clarification since the check clearly had a signature. BOA representative said they had no additional information and recommended the check be deposited in person. 
XX/XX/XXXX - Deposited check via Bank of American Teller. Teller said the check Might be in our account on XX/XX/XXXX ( AKA 7 Business Days ). The reason given was that since the check had already been rejected via the mobile app, there could be a long hold. Also advised to keep an eye on my email because any updates would be sent via email. 

NOTE : I can not provide a copy of the check because BOA took it on XX/XX/XXXX
Consumer complaint received 2023-01-12
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I send certified debt violation letter to IC System, Inc on XX/XX/ the company have failed to validate my debt. Instead on XX/XX/XXXX XXXX XXXXhey send a list of my medical records which I know is a direct violation of HIPPA regulations. I nerve signed a HIPPA form authorizing them to have access to this information. Please delete this information on my credit file and cease all collections activities immediately
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

Perdue Brandon Fielder Collins and Mott LLP ( https : XXXX  ) keeps calling me for debt that is not mine. The law firm somehow tied my mothers name to my phone number. I've told them repeatedly to remove my number.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  and Experian continue to cause damages to my estate my reporting late payments. The note that is used for profits is being traded and has been sold numerous times which is registered in the name my estate holds equitable title to and all rights. Reporting these alleged late payments has caused the heirs of the estate damages as I have not been able to fulfill my duties due to the late payments.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc (FL)

I received a phone call XX/XX/XXXX from Sherloq Financial, a debt collection agency, in reference to a medical debt of {$70.00} owed to XXXX XXXX XXXX. The debt was created in XX/XX/XXXX. The agent at Sherloq Financial stated that her notes showed that XXXX XXXX XXXX has been sending bills ( for over two years ) to an address I moved from in XX/XX/XXXX. The phone number on file is correct. My complaint is that they have been sending bills to the wrong address for over two years and never made any other attempts to contact me regarding the outstanding debt ( given they have had my correct phone number on file for this time ), and then forwarded my debt to a collections agency. This escalation was completely unnecessary given that XXXX could have simply called me by telephone to inquire about a change in address after not receiving any response from me for over two years.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (PA)

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ).

( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-24
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: SYNCHRONY FINANCIAL (NY)

Hard Credit inquiry done using another social security number, not mine, by TjMaxx / Synchrony Bank, ( Synch/tjx dc ), on XX/XX/2020. But has appeared on my credit. And have brought my credit score down by over 20 points. I have been trying to correct this matter with said bank ( fraud dept ), for months. They have told me over and over again that they have sent over a deletion of account letter, to the three credit bureaus. Being that my social security was not used. Credit bureaus have not received said letter. Said company has refused forward said letter to me, so I could then forward to 3 credit bureaus. My credit score has been affected negatively and has caused financial issues in my life and my families life.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (KS)

I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

I was THREATENED by PHH / XXXX XXXX XXXX to make sure and keep my appointments with my account Relationship XXXX by phone, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. I turned down a {$150.00} job to be by my phone, as to not miss this call. NO CALL CAME!!!! So I went through XXXX and high water to call them, only to be told each tome that I had no such loan. I finally got a hold of someone that stated that I missed my call! She stated that XXXX did call me and I was not home. This is untrue as my phone is working correctly, people have gotten a hold of me all morning, with no problem at all, no caller ID as to her phone # is on it, My voice mail has NO message from her, etc. I requested a new relationship XXXX from XXXX, and they denied me of that. I asked for a supervisor XXXX and they denied me of that. I asked to have the appointment today, as I already am off work and missed {$150.00}, and they made another appointment, so I have to not work again for XX/XX/XXXX. I have asked for a statement of payments, and they have denied me of that. I have filed with you before, and they have told both you and I that they are looking into it, and have not. I have filed for COVID help and they are " looking into it ''. I will lose my home by the time they stop playing games with me. Please help me to stay in my home, and not be XXXX!!!! Ocwen their parent company has had numerous class action suits against them for the same thing, but people are out of their homes before they settle.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX  Made on : XXXX Made with : Transunion Made by : XXXX  Account Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX L Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our Mortgage was with XXXX and transferred over to Mr. Cooper in XXXX of 2021. 
This issue started with XXXX Mortgage company ( who we previously filed a complaint with CFPB ) and has transferred over to Mr. Cooper. 
Mr Cooper is reporting to the credit bureau that I have 4 late payments which is incorrect. My wife has spent countless hours and months trying to fix the issue that was initiated with XXXX Mortgage company, they showed our payments being made but that the funds were sitting in a " Suspense account ''. and my wife was informed by XXXX Mortgage that they issue will be fixed and resolved by XX/XX/2021. Now we are dealing with Mr. Cooper who has reported my mortgage with 4 lates and we are paying back payments which is incorrect. 

We spoke with XXXX XXXX in Mr. Coopers Escalations team but he has not responded to us. We received a notice in the mail on our case and were informed that XXXX XXXX is our dedicated contact person and then received another notification that XXXX XXXX will be our contact person at Mr. Cooper. We have tried to reach out to all 3 parties via phone and email with Mr. Cooper and provided them proof of our mortgage payments with a thorough explanation of the history and of events and we still have not heard back from anyone. In the meantime, my credit has been impacted significantly and I was unable to refinance my mortgage to get a lower rate and payment. I am asking for your helps with this devastating issue to get resolved. Mr. Cooper is showing me behind in payments in the amount of {$5800.00} and that is not correct, those funds were the funds that were sitting in " Suspense Account '' with XXXX Mortgage. 
I have provided all the documentation that Mr.Cooper has requested which is including the attachments below ( there may be duplicates attachments ) in addition to an explanation on what had happened and still I have gotten no response.
Consumer complaint received 2018-02-07
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. (FL)

I filed a Dispute on XX/XX/XXXX with Experian for inaccurate information showing on my credit report ( dispute report # XXXX ) from XXXX XXXX XXXX for a Auto loan on a XXXX XXXX XXXX. 

XXXX XXXX place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to Experian that the account was always in good standing from inception to close but for some reason I don't know why Experian will not remove the Delinquency from my report. 

I called XXXX XXXX and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (AL)

I have received two phone calls from XXXX XXXX XXXX, on on XX/XX/2020 and the second on XXXX/XXXX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for XXXX and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to CitiBank and specified amount. I have no mailed notification from this company.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I have an account for National Credit on my credit report and don't remember ever having an account with this company or the company it was sold from, XXXX XXXX. 

I want I want National Credit to to mail me my original contract that I signed, proving this account actually belongs to me. 

They need to produce me a copy or remove the lates from my credit report and stop all collections.
Consumer complaint received 2021-08-18
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I had XXXX XXXX, I was going to going to get a upgrade. They came back within 24 hrs and took everything back because it interfered with my pacemaker. The XXXX XXXX XXXX worker called and canceled everything while he was here.Then we called back again a few days later. However our billed was not canceled and was combined somehow, and continued on to bill us even though we had paid XXXX XXXX and had no equipment at all. We were told it was a error by a XXXX XXXX XXXX employee and was corrected. 
Then told it was a computer error and corrected. Over and over again I have requested a detail bill of what they are charging me far during that time and I get nothing.I had my tv service with XXXX XXXX and they were paid in full. Now they have destroyed my credit over a bill I dont owe. It has caused me and my husband great hardship. 
They even tried to give me a refund a few months ago.
Consumer complaint received 2018-02-08
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (IN)

On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (TN)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-04-29
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. (NY)

Im challenging the incorrect with XXXX XXXX from my credit report Where you have clearly violated the law and have put on my credit report erroneous, obsolete and inaccurate information that is affecting my from getting a loan for my health condition of XXXX XXXXXXXX I wanted to be removed it from my credit report immediately I report case to the general attorney of New York for help