davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.
Consumer complaint received 2017-12-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tribal Lending Enterprise, Inc. (CA)

LOST MY JOB, ALERTED THEM I WOULD MAKE PAYEMNTS AS SOON AS I FOUND WORK, THEY ARE UNWILLING TO LISTEN/BELIEVE ME. PHONE CALLS ARE NON STOP.
Consumer complaint received 2021-09-22
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. (GA)

I need your assistance in getting these 2 XXXX  XXXX XXXX accounts removed from my Experian credit report. I have submitted all of the requested documents ( proof of address, State ID, and Social Security Card, Police Report, and Federal Trade Commission Identity Theft Complaint ) to Experian. I feel as though Experian is being defiant of the rules and laws of the FCRA. These XXXX  XXXX XXXX accounts do not belong to me. These accounts were opened as a result of identity theft. I have been disputing this account for the past 12 months. My next step is to sue Experian. I have proof that I have made every attempt to rectify this matter within the last 12 months. This is my last attempt to rectify the removal of these 2 XXXX accounts before I seek legal assistance.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IN)

1. On XX/XX/XXXX I was assessed a XXXX overdraft fee on one of my PNC accounts.

2. I had 100.00 on one of the other accounts to cover any transactions, plus based on my budget and expenses, I knew those XXXX would cover anything coming. I am enrolled on overdraft protection.

3. When I called PNC to ask as to why I was charged that fee, I was told that it was because balance on the account was XXXX. When I told representative about the account with the XXXX, she told me such account was not part of the overdraft protection.

4. Back in XX/XX/XXXX, a PNC employee by the name of XXXX XXXX assisted me with an issue and he opened a checkings account for me ; I'd asked him to ensure all of my 3 accounts were connected and part of the overdraft protection. At any point during such conversation did he told me that would have not been possible.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Consumer complaint received 2021-07-06
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. (CO)

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent dispute letters to Experian on XX/XX/XXXX. That is the day XXXX accepted my tracked package. It arrived at the XXXX XXXX XXXX on XX/XX/XXXX. It was picked up/Delivered on the same day. Today is the XXXX of XXXX. Therefore it has been 51 days since XXXX accepted my package, and 48 days since it was delivered to Experian. I did not received any notification that they received it or any correspondences of the investigation being executed. I have filed a dispute previously and get notified when they receive it as well as when decisions are made. The law is clear. If they do not properly investigate my case within 30 to 45 days, they have to remove the disputed items. I have copies of the shipping label, the tracking and the information sent. I have lost all faith in Experian as they have claimed in the past to properly investigate my situation. However I do not believe they have. They have never sent the proper documentation I have requested, proving proof that the items investigated were valid.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (TN)

Account at XXXX 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ME)

I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

There are two County Civil Suits pending in the District Court of XXXX XXXX XXXX Florida. XXXX and XXXX between myself XXXX XXXX and JP Morgan Chase N.A . The amount in dispute is {$9300.00} for XXXX and {$9400.00} for XXXX. To sum up the situation, the last correspondence I had with them was over 1 year ago and was told that I could pay half to settle both accounts but unfortunately I did not have the money. They told me the accounts were being charged off and never received correspondence after that. There was nothing I could do at that time. I was just starting to barely recover from XXXX financially. A coupe of months ago, I was informed by an attorney that I was being sued by JP Morgan Chase and the legal related information was online. Most shockingly, the representative that tried to serve me papers camouflaged themself as a carpet cleaner technician to unlawfully enter my building. When I tried to question the representative by telephone, the representative mocked me with inappropriate emoji 's. From what I understand he was also banging on the door incessantly at early hours of the morning when I was not at home.
Consumer complaint received 2022-01-06
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. (LA)

I am filing a complaint with CFPB as I have been trying for several to request Experian to provide full validation of this late account XXXX XXXX Account number XXXX. Experian has violated my rights under FCRA, Fair credit and billing Act. I have requested by certified mail requesting full validation under FRA and requested documentations under fair credit and billing act. I need to know how they came up with the conclusion that I was late. Please comply with this request or delete immediately.
Consumer complaint received 2020-08-19
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. (GA)

My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts
Consumer complaint received 2021-09-22
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. (NJ)

My family and I have suffered irreparable damages and financial strain since the credit reporting agency XXXX has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX has been on my collection accounts for a while, I made multiple attempts calling for the company to provide any information of proof and to dispute. When I called they stated that I disputed so many times and will not dispute anymore. When I finally got the woman to tell me what address they were sending it to she stated an address in Georgia and I have lived in New York all my life. Ive explained that I was a victim of identity fraud but the Collection debt agency has not been cooperative. I am backed up against a wall and unsure what to do.
Consumer complaint received 2019-11-06
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. (TX)

XXXX XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months. 

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wolcott Rivers Gates, PC (VA)

Debt collection firm filed against me in two separate venues, both of which I do not live in. Back in XX/XX/XXXX I was told that i had an upcoming court date, they were rude. Cussed at me. Would not give me any information. They continued to send items to an address I have never lived at. The address was my fathers, whom i do not speak to often. They are claiming to have served me at that address ( per court website ), received judgment on the matter. They have never served me personally. I now have a judgment against me, because i just happened to look myself up on the court website. Never knew about this court date.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.
Consumer complaint received 2021-06-30
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. (NJ)

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.
Consumer complaint received 2017-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NJ)

I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have contacted Chase fraud division every day for a week for unauthorized fraud charges, yet they continue to allow the charges to be paid, then I have to get the vendor to credit my account as Chase has done nothing to stop the charges or refund me. I have given them 5 screen shots of the person who is doing it and Chase still has not done anything to stop this person and the charges continue every day. I want all the fraud charges removed today.