davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The company did not provide a complete response to complaint XXXX nor all the complaints listed under XXXX. Some examples but not complete is how will my credit be protected in the future when Equifax is only paying for protection for 1 year? 
Why are they not paying for the cost of freezes for life and at the other credit bureaus? Please review all disputes listed in XXXX and provide specific answers to all questions. 
The solution is Equifax should pay for credit freezes at all credit bureaus for life of person. Please explain why not the best solution and again please be specific after reading all complaints.
Consumer complaint received 2019-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IN)

I filed a complaint through the CFPB on XX/XX/XXXX, because Ditech Financial was mis-stating our actual escrow balance, and misappropriating extra monies paid to the escrow fund rather than to the principal of our loan, as was our intent.  We requested Ditech send us a corrected escrow analysis, show the actual amount in this fund, and to also reduce our escrow appropriation amount to $XXXX per month.  Ditech did update the analysis.  It is now showing what I believe to be a fairly accurate balance amount.  However, they are still showing that there is a shortage of $XXXX in this escrow fund, which is simply not true.  They still want us to pay more per month, based on this perceived "shortage".  Even by their own projection of fund balances, it never runs out of cash, and in fact, gets to $XXXX, which they now say is a shortage of $XXXX  They base this on what they call a "minimum escrow balance" needed of $XXXX.  I see no reason they need to have nearly $500 of our money, as a minimum escrow amount.  I could live with say.. the $XXXX that it currently shows as the minimum it will currently drop to.  Why do they need more than that?  They do not.   Also, I requested in the last complaint that the escrow amount of our mortgage payment get dropped immediately to the correct amount.  However, in the current statement (on paper and online), they are still showing that they are going to apply $XXXX for the XX/XX/XXXXmortgage payment, which will once again take away from the extra payment we are trying to pay toward the principal.
Consumer complaint received 2022-04-27
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: Atlanticus Services Corporation (CA)

XXXX XXXX  had fraudulent activity on my credit which prompted me to pull my credit on XX/XX/22. I found XXXX inquiries and a new XXXX  card that is not mine. when I called FORTIVA they said it belonged to someone in Georgia. My Identity was stolen. I made a police report - I have sent an affidavit of fraud, notarized, with my ID and my police report to this company and they are STILL telling XXXX that the account is mine. I am so dissatisfied! this is fraud and I am a victim!
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

On XX/XX/year> afternoon, my phone number and email address were compromised in what I suspect was theft. I received upwards of XXXX spam emails and text messages on my phone within XXXX hour timeframe from various merchants and websites ( different languages ). Within these emails and text I also found XXXX from Discover noting that I had applied and was approved for a credit card, furthermore another email from XXXX ( my bank ) sent me an email noting that there was a credit check completed, again without my authorization. 

I called both Discover and XXXX to address this and was able to put a freeze on my credit account through XXXX.
Consumer complaint received 2022-04-27
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (AZ)

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

I'm currently experiencing a dispute directly with the credit bureau regarding inaccurate information reported by Discover. Despite my efforts, their response has been that the account has been verified. However, I find it perplexing that the information provided by Discover differs across all three credit bureaus. Discrepancies include details such as the date opened, high credit, credit limit, last report, comments, date last active, date of last payment, payment history, and more.

Furthermore, while they are reporting a late payment, it's important to note that according to regulations, a creditor may not consider a payment on a credit card account as late for any purpose unless reasonable procedures have been established to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

I've requested Discover to update the late payment status to reflect that it was paid on time, but unfortunately, they are disregarding my request.
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I am a minor ( XXXX XXXX XXXX ) and I was XXXX when this debt was apparently made. I never signed a contract with Radius or XXXX XXXX and Im not legally able to! My parents never did either and its only my name on the letter.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy my credit.
Consumer complaint received 2017-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MedRecovery Solutions, LLC (TX)

I went in for consultation before you can even go in side to see the DR you must pay ya co payment and the insurance pay the rest XXXX ... I have excellent credit they sent {$40.00} to collection that I do not owe at all. Collection agency _ C/O MEDRECOVERY SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX TX XXXX Provider XXXX XXXX Patient # XXXX TICKET # XXXX DATE OF SERVICE on statement XX/XX/17
Consumer complaint received 2018-02-27
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. (NY)

On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.
Consumer complaint received 2021-02-11
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: Santander Consumer USA Holdings Inc. (IL)

I purchased a car and I see there are 2 credit inquiries from Chrysler Capitol just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only XXXX that has multiple double credit inquiries on my report, significantly lowering my score.
Consumer complaint received 2021-05-06
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NY)

Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX  XXXX / XXXX XXXX  Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 an account without my written instructions. 

I have provided XXXX, XXXX, and Equifax with a copy of my identity theft report.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I had two credit cards with Chase and I have always paid them in time. 
I changed my name a few months ago when I became a citizen. I informed the bank and sent them documents showing my new name to make sure everything is correct. 
They changed my name on my accounts and sent me new credit cards. 
Last month, I received an email from them that I get a {$200.00} bonus if I open a checking account with them. I still have their email. 
I went to the Chase bank ( XXXX  branch, XXXX, TX XXXX and opened a checking account using my new name. They said that I should deposit money into my account ASAP. So I transferred {$5000.00} into my account using XXXX XXXX {$1000.00} XXXX, and direct deposit XXXX {$4000.00} XXXX. I have documents proving that. 
After a few days the money showed up in my account, but then I received a letter from Chase that the account is blocked and will be closed! No reason was provided. 
I called them several times but nobody answered or returned my call. I went to the branch and they said there is an issue regarding my new name. I told them to transfer my money back to my original accounts. They said they can not do it, but they will send me a check. 
It is about a month and they have not sent me a check nor they explain what has happened. 
Is it the worst customer service or fraud? 
I have worked with many banks, but Chase has been the worst.
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC (SC)

Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. 

This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

Our mortgage loan is under the name of XXXX XXXX XXXX, who is the father of my two daughters. However, I pay our mortgage to XXXX XXXX XXXX XXXX. Loan structure was only to pay the Property and Interest only. I pay the property tax and home insurance separately on my own. I lost my job in XXXX of XXXX due to Covid 19. I used my savings to continue the payment up until XXXX of XXXX. The loan holder put the account in forbearance due to Covid-19 because he doesn't want to help even up to this point. The loan was transferred to Selene Finance Servicing. When I got hired to another full-time job, I tried to make a payment but Selene would not even entertain my call. I struggled to contact them because most of their customer service reps wouldn't listen to non-holder. Finally, someone told me to provide a signed form from the loan holder. Loan holder wouldn't sign anything. I provided title to Selene to prove that I am the home owner. They required birth certificate of my children to show relationship, which I sent them birth certificates. I was added as a third party successor of interest and it allowed me to submit a loan modification and assumption of loan. Both were denied several times. I provided a copy of my XXXX XXXX statement to let them know that I have money saved un to resume payment. They denied me again and again due to income. I told them that I can rent on of my room out to a friend. They said that I have to make it happen before I apply again. I provided them the rental agreement to show bump on my income. They denied me again. However, two representatives ( XXXX and XXXX XXXX told me to pay the $ XXXX to keep the account current. I asked my friend who is the renter to lend me an advance payment. When I got the the money, I had to wire the payment to a wrong bank information that both Selene representative gave me. So I created an online account and I did the payment using the online account because I was so worried. The online would not go through if I missed checking any box of the months I missed paying. So I checked all of it and paid $ XXXX including the penalty. After getting the payment, they denied my application and said that income is not enough. They took my money and recalculated the loan and told me that my income is not sufficient enough to pay the loan. I feel that SELENE FINANCE is extorting me and just want to get my home. Now, I am not eligible for loan modification and only eligible for deed-in-lieu. I wanted to keep my house and do not want to loose it. I would need help from you or any agency to hear my cry. Please help me.
Consumer complaint received 2020-11-23
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. (GA)

In violation of FCRA 605b and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian is refusing to reinvestigate confirmed fraud even though it has received new documentation dated XXXX/XXXX/2020. All other bureaus complied several months ago.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

For the past two years Wells Fargo has been debiting my XXXX  account on and off. In doing this, payment was being made from my XXXX  checking account to a Wells Fargo  XXXX XXXX XXXX credit card. This has been happening for months at a time, with only a few lapses in months in between. They have been doing this without my knowledge or authorization. I am in no way associated with Wells Fargo or the furniture store the credit card is for. 

These are the following charges I can account for : XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : XXXX This totals {$5000.00}. There may be more charges prior to XX/XX/XXXX but I was not able to check as that bank account has been closed and was not able to request statements dating that far back. These transactions were never authorized nor was I ever aware they were being made. I have no affiliations with Wells Fargo or the person whos Wells Fargo account it is. I have never banked with Wells Fargo either. 

The person who owns the Wells Fargo credit card is aware of all of this. Wells Fargo was also made aware of all of this. They stated they would return all the payments that were made using my checking account but they have yet to do so. I have been fighting this battle since XX/XX/XXXX. 

The craziest part is that they are still trying to debit my now closed account. They are still trying to charge and process payment for the WF credit card even though they are aware of this situation and that bank account is closed.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

In a nutshell, I sent XXXX BNB from my XXXX wallet to my Binance USA account. I QR coded my address from Binance and double checked, then i QR coded my Memo number which is required, i double checked that as well. When i sent this amount to my binance USA wallet the memo number was gone. Don't know how but it was not there. 

Binance states that they can recover the funds since it is with them in their wallet, they charge a extra fee to do this ... so no problem. Here is the problem that i have with them ... I wrote them on XX/XX/XXXX they confirmed the opening of my ticket. Sent them all the relevant with trans ID and their chain showing successful receipt. I have yet to have any further communications with them. It has been 9 working days and nothing, i had a problem with them before on a smaller item and they never even got back to me. This is currently over 3,000 dollars and i will not this go by ... I just want my money deposited like they said they could do and i just want to be done with them. I have been to forums and chat rooms and the complaints are scary. I just want to be done with them, i am so angry because there is NO CUSTOMER SERVICE at all! Please help, i am XXXX years old and this is my retirement money. I finally made a little savings from this and now they will not even put my funds in my account even with the information that they asked for.