davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

BP Credit Cards were issued by XXXX. XXXX has been replaced by Synchrony-offices in XXXX and XXXX, XXXX. With XXXX, we were set up to have our monthly balance automatically subtracted from our checking account. With XXXX, we received our first statement, with a late fee of {$25.00} and a interest fee of {$7.00}, on a balance of {$790.00}. Our account number is XXXX. I contacted Customer Service, XXXX times. First the fees were dropped, then I was told how to register my account, on a site, to have the balance taken out automatically-this does not work! Another call told me that I would receive a XXXX card, between XXXX XXXX and XXXX XXXX. I could then register the new card, with the XXXX digit number. My concerns are : ( 1 ) what if I had not contacted the new bank-I would have paid unnecessarily and my credit rating would drop, ( 2 ) I plan to be XXXX XX/XX/XXXX-if I do not receive the statement in a timely manner, will I again receive a late charge and interest charge? This could also damage my credit rating. ( 3 ) Is this the best way to do business? You receive late charges, with damage to your credit rating, and you do not have the tools to make the corrections. How much money is collected by banks that automatically charge fees which you can not avoid, since you do not have the correct tools to stop the problem?
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX   Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Oxford Law, LLC (OH)

Collector called saying they were from Oxford Law Firm 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from XXXX XXXX for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to XXXX XXXX. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at Oxford Law Firm with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or Oxford Law Firm should have checked the account before they started collection procedures.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc. (NY)

This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.
Consumer complaint received 2023-03-28
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. (TX)

Equifax is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Equifax has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

I implore you to look into the unfair business practices and illegal marketing practices Amazon uses to draw customers in and that CHASE derives benefits in throwing them into a high interest rate card. I was shopping for XXXX gifts and as I went to check out, Amazon offered me a 0 % 12 month interest free promotional option, I clicked on it, answered a few questions and the proceeded to check out. Received a credit card a few weeks later that had AMAZON on the front, and Chase on the back. I did not think anything of it until I realized that I had been paying 19.49 % interest the entire time on the entire amount including what I purchased through the promotional offer. There was nothing in this entire process that led me to think I would be getting an interest rate at all ; and no way would I have applied for a 19.49 % interest rate. No one from CHASE can supply me with a screen shot of my application, there was no discussion of not getting the promotional offer and nothing to let me know of this bait and switch ( offering one interest rate but throwing you into another ) practice. Chase will not supply me with their record retention or consumer grievances policies as those are considered " proprietary ''. Chase said that Amazon has many cards and so when people think they are getting the promotional offer that is only if they get the " amazon shop card '' given the card they sent me says Amazon on the front of it, this is also a deceptive practice. No where in this short promotional opportunity process was there any discussion of this. amazon sucks you in, Chase benefits by throwing you into a high interest card. One Chase representative said that this was not the first he had heard of this problem.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

As per the provisions of the Fair Credit Reporting Act, my rights have been violated by the creditor. Section 602 of 15 USC 1681 affirms my right to privacy, which has been infringed upon. Furthermore, Section 604 A ( 2 ) states that a consumer reporting agency may not furnish account information without obtaining my written consent. Additionally, according to 15 USC 1666 ( b ), a payment made towards a credit card account under an open-end consumer credit plan can not be treated as late for any purpose by a creditor. I kindly request that this matter be thoroughly investigated and that any necessary corrective action be taken to rectify this violation of my rights. 

Capital One Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX  Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

IQ Data International never provided any letters, never notified me of any debt at all. 
First notice is a collection charge off on my credit report : XX/XX/2019 accountnumber : XXXX I mailed a certified mail with return receipt request for debt validation letter to their Washington State Department of Revenue License XXXX # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Entity name : XXXX XXXX XXXX Business name : I.Q. DATA INTERNATIONAL, INC. 

Despite XXXX XXXX receiving and signing for request for validation of debt letter on XXXX at the above address they have not sent validation of debt or any correspondence at all to me. 

They are attempting to use the address below on the credit report charge off which is not their legal address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX However I have contacted them at their legal Washington State Department of Revenue License address for a small claims court case suing them for attempt to collect an invalid debt. I have received no response for debt validation or small claims court law suit. 

This is a FDCPA Violation because the debt collector refused to validate debt despite signature return certified mail validation request sent to their legal address [ 15 USC 1692g ] 809 ( b ) Another FDCPA Violation occured when the collections agency has ignored request to verify the debt yet has continue to collect by adding derogatory item to credit report E [ 15 USC 1692g ] 809 ( b ) I have not received any overdue notices in the mail from anyone which I can prove by USPS informed delivery. My USPS informed delivery subscription also proves that I have received no mail from XXXX XXXX XXXX or I.Q. DATA INTERNATIONAL, INC. all letters are scanned by image processing before delivery proving this company never sent any mail at all to my legal address.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (AL)

When I took out the loan with Castle Payday later to be renamed XXXX I was not made aware that the interest was 910.0041 %. I did n't get that information until after I signed. I took out a loan of {$450.00} and was not made aware that the loan was going to cost me in total {$2900.00}. I 've already paid them {$1100.00} and still have until XXXX XXXX, 2016 to pay on it. They still tell mE my payoff is {$600.00}.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/15, I mailed my regular fixed rate mortgage payment of {$3100.00} to Rabobank NA at XXXX XXXX in XXXX XXXX, California XXXX via personal check number XXXX. Rabobank did not deposit the check until XXXX/XXXX/15. It appears that Rabobank recently changed its mailing address to XXXX XXXX XXXX in XXXX XXXX, California XXXX and the delay in depositing was likely due to that change. Rabobank charged me a late fee of {$150.00} because it says that I supposedly did not make the payment until after the payment was late. That is not true, though, because I made the payment on XXXX/XXXX/15 and the payment was due on XXXX/XXXX/15 and was late after XXXX/XXXX/15. When I call Rabobank 's customer service department, they tell me there is nobody who can discuss this matter with me because their policy is to NEVER waive late fees under any circumstance whatsoever. I do not understand how or why Rabobank can charge me a late fee merely because of their unilateral decision to delay depositing my check. I am further frustrated by the fact nobody has authority to waive the late fee that they wrongly charged under these circumstances.
Consumer complaint received 2024-01-25
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. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I've taken all necessary steps to address an identity theft issue with Experian, but they persistently ignore my valid report, causing significant distress. XXXX and XXXX have cooperated, yet Experian claims my documents are invalid. I urgently seek CFPB 's help for a proper resolution and thorough review of my case.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have ftc report filed report # XXXXXXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Statebridge Company (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for progressive renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; XXXX, XXXX  and TransUnion need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from 2019 corrected. Thank you.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

On XX/XX/2016, I checked my XXXX XXXX account and noticed that Equifax re inserted and address that does not belong to me. It was my father 's address when he was alive. I then went to Equifax 's web site, pulled up my report to verify the reinsertion and it was correct that they had illegally reinserted that address that didnt belong to me. I was never notified by Equifax that they were going to be reinserting an address that doesnt belong to me. They broke the law by not notifying me within 5 days. Also I had sent them proof of address several weeks ago when I disputed other fraudulent addresses.
Consumer complaint received 2015-09-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Services constantly calls me at all hours claiming I have a debt from 12 years ago that I never had ( and would be past the statute of limitations even if I did ). They spoof numbers so it 's always different on the caller ID. I 've sent XXXX cease letters certified mail to them, and they ignore them both. They use vulgar language and threats every time they call. This has been going on for over a year, my next step is to sue them as others have ( which would include {$1500.00} for every call they make to me ). They ca n't even tell me what the so called debt is from!
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.