davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Debt collection — Other 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: MVBA, L.L.C. (TX)

I was given a post card indicating that I was to pay an alleged traffic offense debt to XXXX Municipal Court back in XX/XX/2018. The post card is not marked, nor stamped by the post office, so I assumed it was another junk mail advertisement, til I turned it over. This was the first in a series of multiple attempts to collect a debt of {$330.00} for failure to control speed. I was never ticketed nor summoned by XXXX Municipal Court. I wrote a letter in response to McCreary, Velseka and Bragg and Allen PC on XX/XX/XXXX2018. They received my letter on XX/XX/XXXX2018. In my correspondence, I demanded they produce the original signature I gave indicating my contract with XXXX XXXX XXXX, and until that original binding contract was submitted for review, all written and telephone communication must cease until said documentation was submitted as valid proof of claim. I was never ticketed nor summoned by XXXX Municipal Court for any or such charges. On XX/XX/XXXX, McCreary and Velsek, Bragg and Allen PC called XXXX Municipal court and had the court contact my personal cell phone number, 1. they violated the original contract submission. They tried to get me to come into the court to produce a signature. I explained without valid proof, I would not be coming to court without an original summons with my signature agreeing to appear. The firm McCreary, Velseka and Bragg and Allen PC continuously send me letters unmarked by postage and post cards threatening my arrest. I tried to call their phone number. I'm left on hold, sent to a voicemailbox that is full and can't accept messages. The court has violated my rights by sending my information without my knowledge or consent to a third party.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (OH)

A line item entry appeared in my pending transactions XX/XX/2022 on my checking account as : MONEYLIONLOANREPAYMENT XXXX XXXX NY XXXX. The amount is {$19.00}, and was listed as a debit card transaction. I did not make a debit card transaction, or any other kind of transaction with this company. 

I called Money Lion at the number listed on their website : XXXX ( XXXX ) XXXX. When I spoke with the representative she connected me to the " XXXX XXXX XXXX '' and gave me their direct dial number. which is XXXX. After waiting a few minutes, I got a recording that said they are experiencing higher than normal call volume, and they hung up on me. 

I called the number directly, and had the same experience. 

There is a chat function on the website, but it requires you to set up an account in order to speak with anyone. 

I will now have to go through my bank, have my card shut down, re-set all of my auto pay tied to my card. 

This has done financial damage, and the company has no means to dispute the charge or even contact them unless I set up an account. 

Aside from outright fraud, this smacks of clear UDAAP violations, and I am over XXXX.
Consumer complaint received 2017-12-30
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: CORELOGIC INC (IL)

I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a XXXX in the family and keep Freedom Mortgage up to date with everything. They told me that they would remove these late payments but they haven't.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX we ( my husband and I ) took out a home equity loan in the amount of {$150000.00} we also agreed to a purchase a supplemental insurance that would cover our payments in the cases of XXXX, involuntary unemployment, leave of absence, and accidental XXXX. This was considered Chase 's platinum package. We paid an additional monthly fee for this protection. In XX/XX/XXXX, I lost my job after 22 years and we started to go thru our paperwork for the house. We found the paperwork we signed 10 years ago and discovered we would both be eligible for this protection we had paid for many years. ( My husband became XXXX XXXX back in XX/XX/XXXX after falling from a water tower at work. ) So I went to Chase to ask them to please assist after having made several lengthy phone calls to no avail. They then informed me that they had cancelled this program in XX/XX/XXXX, I asked them if we were notified and they said they had sent out a letter, I asked if we had acknowledged such a letter as we had never received a letter. They stated they did not know, so I asked for a copy of this letter that they had sent and they said they could not provide such a letter. Their only response is that I could fax a letter to their research department. This is a horrible way to treat a customer who has faithfully paid this agreement for 10 years!! I would like a resolve to this situation and feel we are due some response! Please help! We are struggling to pay our bills and thought we were insured for this type of situation.I can provide whatever proof you may need, Thank you!!
Consumer complaint received 2017-12-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I 've tried several times to get into the student loan forgiveness program and Navient has denied me each time. I work for a XXXX XXXX and I was told that the forgiveness program could help. But Navient denied me access to the program.
Consumer complaint received 2017-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I sent off my XX/XX/XXXX mortgage loan on the XX/XX/XXXX day of that month, and the mortgage company received it on the XX/XX/XXXX and cashed it on XX/XX/XXXX from someone in the XXXX XXXX XXXX XXXX XXXX. I have proof of the check that was sent out to XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, CA. I tried a few times to up load 3 paper statements showing proof of payment, fax cover, and another proof of payment. I disappointed that my check has been cashed, and it is not anywhere to be found.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc. (NJ)

The company call me and said they were going to come serve me with papers I made a payment plan with them to pay each month they take from my checking account I have noticed they are also taken another fee out with my permission, I called and they did n't call me back. They never said there was a fee each month. I never received any paperwork about our arrangement. I want them to put my fee back or I will sue them for going into my checking account and taking extra .I think it is against the law. they frighten people so much you just want to pay and get it off you back. for them to just help them self to a monthly fee its stealing.
Consumer complaint received 2017-12-30
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. (AZ)

XXXX XXXX XXXX is reporting the wrong XXXX credit card account number : XXXX to Equifax. I will call XXXX XXXX XXXX and have XXXX XXXX XXXX send notification to Equifax to report my correct XXXX XXXX XXXX XXXX credit card account on my Equifax credit report.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I Did NOT purchase the area rug that was delivered to my residence. 
Since I did NOT purchase this particular area rug, I returned it to XXXX XXXX. 
I will not pay for something I did not purchase, and CapitalOne has an obligation to protect my rights under the FCBA. 

CapitalOne keeps going in circles around the crux of this matter and does not address the fact that the merchandise is in the possession of XXXX XXXX. 

The Law is specific in that I do not have to pay for something I did not order. And as a matter of fact, an email has been submitted to capitalOne from XXXX XXXX admitting that they do have possession of the area rug. 
Shame on CapitalOne for not following the scope of the law and various statutes.
Consumer complaint received 2015-09-11
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (VA)

EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.
Consumer complaint received 2018-01-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX  Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX  and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same. ***
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CA)

I previously disputed a tradeline held by the collection agency XXXX XXXX XXXX for the creditor XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX account was transferred to Waypoint Resource Group who reported the same XXXX XXXX XXXX collection account for {$300.00} on my XXXX report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. On XX/XX/XXXX, I disputed this matter with Waypoint and provided them with a copy of an email in which XXXX states that I am " not responsible for any early termination fees and [ my ] account has been zeroed out. '' XXXX has refused to disclose what they claim this debt is for. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX, Waypoint, and XXXX are required to immediately remove the negative tradeline or face civil liability for willful noncompliance.
Consumer complaint received 2018-01-02
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. (GA)

My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check via ATM on XXXX. A hood was out on the deposit. {$220.00} was supposed to be available on XXXX. On XXXX I tried to withdraw {$200.00}. I was charged {$35.00} to do so. I called customer service and asked for the hold to be removed as I needed to make my car payment. I also asked for the {$35.00} ti be waived. Customer service told me there is a 10 day hold on the deposit. They said an alert came up that the might be fraudulent. They suggested I have the person to their bank and have their bank call Wells Fargo to confirm the check was good. My friend called their bank and their bank told them the check had already cleared they bank and Wells Fargo had the money. I called Wells Fargo again and asked them to release the hold. I was told once a hold is put on a deposit I have to wait the 10 days. I asked how is that legal when they already have the money. They said they couldnt help me!! I needed that money for food and to make a car payment which I will now have to pay a late charge. How can this be legal. I wonder how many people they do this to and get away with it
Consumer complaint received 2017-12-29
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. (AZ)

I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management sued me for a credit card debt in XXXX XXXX XXXX Florida. I reached an agreement with the collection company to settle the debt for the amount of {$500.00}, which has been paid alreadyand on time according to the terms of the agreement, and according to the mentined agreement they were to remove the collection from my credit report or report it as paid. This has not happenned as of today.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cawley & Bergmann, LLP (NY)

On XX/XX/XXXX I contacted Cawley & Bergmann to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.
Consumer complaint received 2018-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2020-10-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC (VA)

I purchased a vehicle with a co signer and got behind and a judgement was ordered. I came to court to fight it but the attorney stated that I did not have to go in front of the judge not knowing the judgment would be granted. On XX/XX/XXXX I received a letter with a balance of my loan with an account number. My co-signers bank account was put on hold because of this I payed them to release the money and started making monthly payments of the amount of XXXX in XXXX I made 2 payments 1 for XXXX and 1 for XXXX and the payments did not post to the account I normally make the payments on. They collection agency seperated me and my co-signer and made 2 different account numbers for the same loan and one XX/XX/XXXX they stated we both have to pay over XXXX for the same car loan. I have tried to reach out to the attorney and he does not call back they are very rude and this is not right
Consumer complaint received 2015-12-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

Received letter from XXXX XXXX XXXX XXXX stating i owed {$9900.00} to First U.S.A Bank. Never heard of this company and do not know what this is for.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

Someone unknown to me applied for a JB Morgan Chase credit card 3 times. Those dates were XXXX and XX/XX/year>. I disputed those inquiries and applications and still 90+ days later my credit report has not been updated. I requested that the bureaus freeze my credit and social security number.