davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OK)

On XXXX XX/XX/19, I agreed to pay Midland Credit Management {$200.00} on XX/XX/19 and XX/XX/19. The auto draft did not take out on XX/XX/19. Each time I called, I was advised the representative handling my account was either closed or not available. I finally reached XXXX on XX/XX/19 in which he told me they were having " financial difficulties '' processing payments. When we first spoke he told me " ensure I have the funds in my account to process the payments '' which is why I told him no later than the XXXX or XXXX of the month so that I can ensure they are paid. My paycheck was cut short due to an HR issue in which I am waiting on a refund check via the mail. I have other bills I need to take care of now and when I told XXXX that he transferred me to his supervisor XXXX. XXXX said there was nothing he could do. I told him this has caused me nothing but stress and was unwilling to provide me with any other information other than " ensure there is money in my account ''. I asked when the payment will be taken as the contract that was agreed upon would take the money out on the first if the money was not there. I was not given an answer but only kept in a looped conversation. Highly frustrating and stressful to deal with when I work a full time job trying to get back on track with my bills.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had applied for 2 credit cards in XX/XX/2017 with Chase. I had two existing credit cards with Chase already. They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a {$110000.00} income at XXXX years old working for a large corporation. As a young adult, I was surprised, as I have never had a late payment. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX I noticed a fraudulent charge of {$7400.00} on my credit card statement. I immediately notified Citibank and was told that I would not be responsible for the charge. I called a second time that day when I did not see an immediate reversal on my account. I was again told I would not be responsible. 

In XXXX, Citibank automatically renewed my card membership. 

XXXX XXXX I noticed the same charge on my account with the same amount from the same vendor. I went to a local Citibank branch and spoke with the manager. I was told to contact the fraud department again after reporting the unauthorized charge a third time. I again spoke with the fraud department and let them know that this charge was fraudulent and not authorized ( for the fourth time ). I was told that the vendor had not been paid and I was not responsible for the charge. I was told I would not see the charge on my statement again. 

I did not see any sort of reversal despite numerous reports to Citibank, so I immediately contacted an attorney, who sent a letter to Citibank on XX/XX/XXXX demanding the information I inquired regarding the charge. Citibank did not respond to the attorney. Please help.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 a fraudulent account was taken in my name to obtain a credit card. I sent letters to the collection agency along with XXXX disputing the inaccurate information and requesting original documts supporting this debt. The account XXXX is the account in question with Bank of America. I filed the police report and completed a notorized affidavit disputing the inaccurate information. I've sent both bank of America as well as XXXX a certified letter requesting information regarding this fraudulent account and requesting for documents supporting this debt and neither agency has responded.
Consumer complaint received 2018-01-31
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. (CA)

This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.
Consumer complaint received 2021-07-09
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. (NJ)

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-09
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. (AL)

Called creditor also called TransUnion Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called boa several times to try and get my home equity line of credit to a fixed rate. In the beginning they never tried to help me. Then I called again and again and denied any kind of work out. Now I got another package where they send not to try and do modification to a fix rate but they sent paperwork to do another equity line of credit with variable rate subject to change again. I need help I am older woman looking to a loan mod with a fixed rate
Consumer complaint received 2017-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. 

This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

OnXX/XX/XXXXat XXXX XXXX  CST I went to XXXX XXXX XXXX and was assisted in sending a Bank Wire of {$11000.00} to XXXX ( Coinbase ). All Bank Wire steps were followed correctly and money was supposed to be available for use in XXXX that day. I did not receive it that day or that week. I went back to XXXX XXXX XXXX onXX/XX/XXXX and was given a printout of the send confirmation. The bank stated that they will send a request to receive confirmation from XXXX XXXX XXXX ( their bank ) that they indeed received the Wire. They have not responded. I contacted XXXX over the phone and explained the situation and was told that this would be forwarded to the applicable department and got a case number. Since then I have not heard anything. I have sent an email asking for a status update of my case and have not heard anything yet. I am extremely concerned as I am not receiving any assistance and just getting the runaround. It doesn't appear anybody can help me and I am amazed how a company can operate like this. Any help would be so greatly appreciated.
Consumer complaint received 2018-01-31
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. (PA)

XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (DE)

I have been hit with over XXXX in NSF/Return check Fees. I have a lot of my payments coming out automatically via ACH or via debit card. It has becoming a recurring process, that causes me to continually be overdrawn. This has been going for at least several months. I tried to be proactive and lock me card and payments still came out. I think the fees are extremely excessive. I called the bank on XXXX to get assistance with getting the fees refunded, they only refunded one fee. I appreciated the efforts of the agent, but this solution was ridiculous.
Consumer complaint received 2021-09-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I called Equifax because I was having a problem with there reporting. I have had a loan company who denied me a loan because they couldn't get a report from Equifax. XXXX XXXX XXXX XXXX I called and tried to talk to someone there at Equifax and they wanted copies of my DL and SS card sent to them, after getting all the other information to identify me. And refused to help me till I send them that. I told him I didn't feel comfortable sending that as well as giving him all my other information. I am working to better my credit and they are post negative information about me and refuse to help. They have neglected to post any of my accounts that I have. That show up on other reports. They are harming me by sending negative and false information.
Consumer complaint received 2020-05-20
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. (CA)

There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2018, Chase Mortgage took over my home loan from XXXX XXXX. I inadvertently continued to send my payments to XXXX XXXX and was not aware until XX/XX/XXXX that my payments were not being received by Chase Mortgage. Once I was made aware of this I began to work with my Bank ( XXXX XXXX XXXX ) and XXXX XXXX to try and track down my payments and get back in good standing with Chase. This process took some time and in the meantime Chase deemed me a risk and sold my mortgage to XXXX. This caused my credit score to  drop almost 200 points. I have always been good about paying my bills except for a few 'hiccups ' along the way. The major exception is the time period from XX/XX/2018, when Chase decided to buy my mortgage from XXXX XXXX, until XX/XX/2018 when I was made aware of the situation and took steps to correct this. As you can see from the attached documents I fixed the 'lapsed ' payments and have been on time since then. I feel that this situation was not caused by my inability to pay, but due to some confusion with the buying and transfer of my mortgage and therefore I should not be penalized by this.I would appreciate anything that can be done to help restore my credit to where it was before this all happened. Thank you for your consideration.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

In my recent experience doing a jumbo loan refinance with Quicken Loans, their sales and servicing practices are deceptive, unfair, and dishonest. 

I completed a refinancing with Quicken Loans in XX/XX/2021. I was told by the contact there that Quicken Loans services ALL of their loans. This was a major factor in my decision to use Quicken Loans for my refinance, because it was important to me to have a modern loan service that is online via websites and mobile apps. 

In XXXX, after only a few payment cycles, Quicken Loans sold the servicing of my loan to a different servicing bank, XXXX XXXX. XXXX XXXX  has only rudimentary online servicing. It requires multiple phone calls and paper letters to make changes to my account. I am not able to easily set up automatic payments like I did with Quicken. XXXX XXXX  also does not have proper staffing to answer phone calls, and they told me I will I have to wait 48-72 hours to hear responses back from their loan department. 

When I called and escalated my complaint to Quicken Loans and talked to a member of their research team, I was told that Quicken Loans does not ever service my loan category. As policy, they sell all jumbo loans. To me, this was important information that I was never told in the refinance application process. I believe I was sold a product that I am now not receiving. Nowhere in the process was I explicitly and clearly notified, either in writing or verbally, that Quicken Loans would not service my loan.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I was under the impression my mortgagor would draft my bank account twice per month (24 payment per year) rather than every two weeks (26 payments per year). In XX/XX/XXXX, they drafted my account on XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, and XX/XX/XXXX $XXXX. The last draft, just 8 days after the middle draft, put my bank account into an overdrawn position. I fear that Round Point will now draft two additional payments during the month of XX/XX/XXXX.I believe RoundPoint Mortgage has violated financial and consumer protection laws. I have notified them I am filing a complaint with the Consumer Financial Protection Bureau to this effect.
Consumer complaint received 2022-11-17
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: DISCOVER BANK (NV)

I sent several dispute letters to discover bank regarding inaccurate information on my consumer report discover bank refuse to remove this item off my consumer report. I feel like Im being taking advantage of and they are disregarding my disputes. I know my rights as a consumer and discover bank is not following the law.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capitol System has reported inaccurate information on an XXXX XXXX account that is not mine. This account was on my credit report and has been removed from every bureau once already. I have reached out to have this removed and I am still receiving calls about this account. 

XXXX XXXX Account # XXXX This account was was put on my account at random and is only on my XXXX report. it was removed once and must be removed again. Thank you.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Murrell Law, LLC (FL)

Last fall the XXXX XXXX XXXX ( XXXX ) and the law firm of XXXX requested that my wife and I execute a written joinder and consent form that would help the ( XXXX ) revitalize their governing documents that had been extinguished by the state of Florida. We executed those documents and forwarded them to the XXXX team for their inclusion in the total package to be forwarded to the Florida Department of Economic Opportunity ( DEO ) for their review and acceptance. Upon receipt of the revitalized XXXX amendment to the Covenant/Restrictions I found that my assessment level was set on pg XXXX at $ XXXX/month and that is what I have been forwarding to the XXXX XXXX. If the XXXX can provide me with documentation that requires me to pay a different amount of assessment than what the revitalized documents spell out and what I signed off for I will be happy to review it and proceed accordingly.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

onXX/XX/2019 I contacted Experian because I noticed two of my accounts have not been updated with XXXX XXXX  on XXXX I contacted XXXX XXXX XXXX and XXXX XXXX XXXX to confirm my XX/XX/XXXX statements were sent over to all three bureaus Experian is refusing to update my credit reports my XXXX XXXX XXXX credit card should have a limit of XXXX not the old XXXX my XXXX XXXX  XXXX credit card should have a limit of XXXX not XXXX I attached statements