davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
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 (DE)

Dear Representative, Please see the details of my fraud report below. 

Last Name : XXXX First Name : XXXX XXXX Middle Name : XXXX Credit Card Number : XXXX XXXX XXXX XXXX Expired : XX/XX/XXXX Credit Card Company : Capital One My credit card expired XX/XX/XXXX, and I have never received any new credit card for renewal. 
I have one automated payment every month on the credit card noted above- XXXX credit reporting membership. 
I have cancelled my membership with XXXX in XX/XX/XXXX- Membership ID # XXXX. 
I am being charged since XX/XX/XXXX every month for membership ( after cancellation ). 
XXXX customer service confirmed my cancellation. 

Could you please help me. I have been paying to a credit card that do not exist automated payments + interest charges + Annual fees, and being charged for a XXXX membership that was cancelled 17 months ago. 

Regards, XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DC)

have been calling for months in 2017 each day 2-3 times per day. 
It is a scam as I do not have any debts. 

Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. 

Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.
Consumer complaint received 2017-12-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (PA)

Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX  was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

Today, XX/XX/XXXX, I received an alert from Experian, stating that a new account was posted to my credit report, with a COLLECTION status. The collection agency name is Diversified Consultant, I`ve never heard of this company, nor do I OWE them any money. The post stated that I owe them {$300.00} for account # XXXX, a XXXX XXXX account, which supposed to have been opened in XX/XX/XXXX. I did not have a XXXX XXXX account in XXXX or any previous months. Apparently, this is an account which was recently sold by XXXX XXXX XXXX, of which I disputed on XX/XX/XXXX,  thru your agency and was removed /closed on XX/XX/XXXX. And furthermore, I was never given any notice of delinquency by this company. ALSO DIVERSIFIED CONSULTANT HAVE NOT VALIDATED THIS ACCOUNT, BEARING MY SIGNATURE AS REQUIRED BY THE FDCPA CODE SECTION 807-8. I DIDN`T HAVE ANY NOTIFICATION PRIOR TO THE ALERT FROM EXPERIAN, TODAY., WHICH IS ALSO A VIOLATION OF THE FDCPA AND FCRA. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY NOR HAVE I SIGNED ANY CONTRACT WITH THEM.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (TX)

Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC (NJ)

I called XXXX XXXX based on a recommendation re : a rental property mortgage. I met with XXXX upon request and gave him the documents he asked for and in addition my XXXX XXXX information to review as well. He stated that this is a small loan as he deals with most large loans. He told me he could save me at least {$5000.00} as XXXX adds many unnecessary fees. 
During most of the process I worked with XXXX XXXX.as time was of the essence. 
Prior to closing on XXXX XXXX I called XXXX re : Points charge {$1700.00}. We had previously spoken about NO POINTS, as the change in interest rate would be insignificant. He agreed. He said just close and if I need to send you a check to make it right I will. And proceeded to give me an example of a customer scenerio where he had given a check. 
After the closing I left XXXX a voicemail message. Yet no reply. On XX/XX/XXXX I sent XXXX a follow up email to XXXX. I contacted my attorney who I had made aware of the situation during the closing. XXXX XXXX sent XXXX an email XX/XX/XXXX. XXXX sent a text from XXXX saying he copied me on an email to XXXX. 
XXXX never once mentioned that the {$1700.00} would be put into points without any % age change in interest. How dare he state that it is a benefit to me as I can write it off! Who is he to decide that? XXXX is overly confident in his position, however misleading and deceptive to his advantage only. I had sent a follow up message to XXXX on XX/XX/XXXX but still no reply. Extremely poor customer service!!
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.
Consumer complaint received 2017-11-30
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: ERC (NC)

XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

XXXX XXXX claimed that I owed a debt for {$2400.00}. I sent several certified letters asking them to validate the debt because I knew that the debt was incorrect and invalid. They were not able to provide me with any type of debt validation but still would not remove the account from my credit report. I am reporting them because of their refusal and for unfair practices.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

Store Return XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2018 Transaction ID : XXXX XXXX XXXX 2018 Merchant Credit Hold for Review - XXXX XXXX XXXX XXXXXXXX PROCESSING - {$96.00} Why isnt the money available now? We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. 
Transaction ID : XXXX Why does it take a whole week for American Express to refund my money. Why do American Express have to review a refund that takes 7 days. It is now day 5 and it is inconsiderate and wrong for American Express to just hold my funds when I have bills to pay. American Express policies are erroneous and does not benefit us customers, but instead add more stress and mistrust in American Express.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Davis and Goldmark, Inc. (NY)

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report
Consumer complaint received 2020-10-09
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. (TX)

XXXX XXXX XXXX, XXXX is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called XXXX and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make XXXX of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from XXXX information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from Experian that XXXX has reported me late. I called XXXX and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus. 

I am reminded of XXXX logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''. 

I believe XXXX is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
Consumer complaint received 2021-02-08
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. (NC)

I have been trying to reach out to all three bureaus since XXXX if last year involving inaccurate items on my credit report. My scores are in the XXXX and its making things very hard on me and my family to accomplish our goals. My credit report is reporting collections accounts that should not be on there, late payments that never happened and more negative items. I am very displeased with the lack of response from the bureaus. I initially wrote them 52 days ago back in XX/XX/XXXX of 2020. I wrote them again on XX/XX/XXXX of this year. Please do something about this! It has been over 50 days!
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, XXXX USD was withdrawn from my checking account Bank of America, through an ATM machine in NJ, given that I live in MA. 
I contacted the bank immediately to file a fraud claim, and the temporary credit of XXXX USD was reversed to my account until the bank reaches a conclusion about my claim. 
However, on XX/XX/XXXX, the Bank of America informed me that this transaction according to their investigation was not a fraud and that it was authentic, and that they will charge the XXXX USD amount again on me on XX/XX/XXXX. 
their reasoning is that since the pin was used correctly, then it must 've been me who used the card. 
I argued that any person could 've stolen the information, and I 'm protected by law since I reported the incident within 48 hours. 
i asked them whether or not they involved the police, and they said you should involve them. 
finally, they told me they will look into the claim again, I just want to be protected, it is unbelievable that this is happening, I do not feel that my money is safe anymore in the checking account.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (FL)

I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (TX)

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 2018-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MS)

I fell behind on my XXXX/Wells Fargo Credit Card. I called several times to see what my options were for repayment. I called in XXXX to set up a payment plan, in which I did. I spoke to XXXX and she set me up on a plan for {$100.00} a month until XX/XX/XXXX and then {$38.00} on XX/XX/XXXX. This would pay my bill in full and close my account out.

Recently, I received a notice that my credit report is showing this account as charged off. I have not received ONE piece of mail or ONE phone call to say that this was the case. I called XXXX/Wells Fargo Credit Card on XX/XX/XXXX, I spoke to XXXX, she said that they can at their own discretion at any time " six or seven months '' late and file it as a charge off. She also said the only reason they would remove the charge off status was if it was a bank error. Then, XXXX got on the phone and proceeded to tell me that she has me on a recorded phone call saying that I knew that this was a charge off. This never happened. She said she was going to transfer me to a Executive Office and hung up on me. I have paid all of this bill from the first payment as I said I would. This is ridiculous.
Consumer complaint received 2017-11-30
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. (TX)

I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (FL)

My husband and I keep getting calls from number XXXX. They keep asking both of us for personal information such as phone numbers, mailing address, birth date, and SS #. We do not give them this information but ask them what the call is regarding, They get rude and say they can not tell us that information until we give them the personal information. 
We both have pulled our credit reports and there is nothing on the reports to indicate a past debt is due for anything. 
I XXXX  the number and it looks like it is a scam number acting as a debt collector for debts that do not exist.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

SOMETIME ON XX/XX/2015 SOMEONE OPENED AN ACCOUNT FROM JPMCB CARD SERVICES. IM NOT SURE ABOUT HOW MUCH BECAUSE I WAS A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment