davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

Redundancy since first statement time expired. Midland Credit Mgmt mailed a notice on XX/XX/23 requesting that I provide full satisfaction of debt which I faxed to attn XXXX at her request after speaking with her by phone to fax no XXXX on XXXX. Midland repeatedly email and US mail harassing me to pay settlement to resolve a debt not owed. Im requesting that CFPB order Midland to cease and desist mailing any further communication regarding monies owed when proof has been sent specifying payment dates and amounts and, pay {$1000.00} in penalty for their failure to not take seriously receipts of proof of payment and harassment after repeatedly advising them through email that debt has been satisfied.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

We have been Chase customers for a very long time. We wanted our mortgage to be through them for ease of payment.

W scheduled an in-person meeting at Chase and sat down with a personal banker. We then waited 9 days to get a call back from Chase regarding starting our loan. We already had an accepted offer. 
We got everything done pretty speedily. We let them know we were going back and forth between primary and secondary home, since we had some family issues going on and were unsure of how long we would be in Wisconsin. 
Everything was set to close on XX/XX/2021. 
They then scheduled the appraisal for XX/XX/2021. We attempted to get an appraisal waiver, but they advised that had to be at the discretion of XXXX XXXX. They then got the appraisal expedited, but charged us {$1600.00}. An appraisal generally costs around {$500.00}. They also initially charged {$1100.00}, but then increased it to {$1600.00} at a later date. 
Worked with XXXX XXXX, who was extremely difficult. Also worked with XXXX XXXX. Both had promised several letters and articles we sent them would work for information on our jobs/working from home. 
Chase got hung up on getting a particular letter, which we advised we don't have/could n't get. Instead of changing the loan to a secondary home, which is also appropriate, as it's not our permanent state of residence, they pushed closing out a week. 
Didn't end up closing until XX/XX/2021. Had to pay {$800.00} XXXX {$100.00} daily rental ), due to Chase not closing on time. 
Also were promised that if they didn't meet the closing on time, they would waive the closing costs. That never happened.
Consumer complaint received 2022-08-17
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been with Capital One for a long time. I have asked repeatedly to lower my interest rate. My bill is due and I pay on the 13th of each month as soon as I get the statement. I also pay extra on it each month. They can't tell me why they will not lower the interest rate and I have never been late on paying the bill. Now I see that the fed reserve is going to ask to raise rate once again and for no reason other then they can Capital One will raise my rates. I wish you would look into why Capital One will not lower a good customers interest rates and put a stop to them being so low end company that a person who pays on time and why early and extra that this company will not and does not do the right thing.
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

This company ACCOUNT RESOLUTION ASS is trying to collect {$15000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from ACCOUNT RESOLUTION ASS with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ACCOUNT RESOLUTION ASS '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and ACCOUNT RESOLUTION ASS. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 2022-04-30
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 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 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an invitation to apply for a secured card, which I promptly did. After applying and getting approved, I submitted a {$300.00} deposit. However, before the card was even sent to me, it was unexpectedly closed without any explanation. I had no outstanding balance on the account, yet I still haven't received my deposit back. I've been informed that it could take between 60 to 90 days for the refund, which seems incredibly unfair. I did nothing to warrant the closure of the card, and I shouldn't have to endure such a lengthy wait to retrieve my deposit.
Consumer complaint received 2018-02-13
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. (IL)

Experian is reporting an XXXX XXXX account with a balance of {$14000.00} on my credit report that does not belong to me and is result of a mixed file. I recently received my most up to credit report which shows that the address ID linked to the XXXX XXXX account is one that is not mine. I have one address on my credit report which is accurate and the address ID associated with this account does not match the address ID associated with the XXXX XXXX account. I have disputed this account before with Experian however they continue to respond stating " We have investigated the account and verified that it belongs to you ''.

Furthermore, I am unable to contact Experian by phone to express my concern regarding the address ID discrepancy because they are currently not allowing me through to their call center to speak to a customer service representative. So far I've called Experian 10 times at ( XXXX ) XXXX, each time when asked to put my social security number, zip code and address in I am redirected to another automated system which states " ..we are unable to process your request over the phone, please mail your request ... '' then the phone disconnects. This in and of itself is a violation of my consumer rights, according to the FCRA it states all consumers should have access to speak to a live person at consumer reporting agencies regarding their report.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (VA)

When signing up for my BB & T debit card, I vividly remember opting out of overdraft fees. Two days ago I transferred money from my XXXX to my bank, they said it would only take hours when it really took days. When the money had appeared in my account it was far less than what I had transferred. They charged me and overdraft fee. But how can this be? I thought you said you opted out of the overdraft fees? You're right, I did do that. These scammers take your money even after you've said you don't want your account charged after you don't have money left. This is XXXX disgusting and no one is doing anything to stop it.
Consumer complaint received 2021-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 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 have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX / XXXX / {$810.00} 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Consumer complaint received 2021-04-01
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. (GA)

In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage servicing was switched to SLS loan serving from XXXX on XX/XX/XXXX. It is XX/XX/XXXX and I have requested an inspection for my home loss since they serviced the loan. I was told after almost 4 months they are still trying to find one in my area. In the mean I am sleeping on a couch because my home is not livable. I have a chronic illness that makes me sensitive to all construction type materials. I was in the midst of recovering and I am not out of the woods yet, but they could care less about that. I pay my mortgage before the 1st every month XXXX and I have funded most of this project prior to any draws being submitted to get it done quickly. It will be 5months and no inspection so I can get the money that my insurance company paid me to complete my home of 15 years. Every time they call me I get the run around I am sick at this point and obviously forced to continue to fund my own 6 digit loss. I want to stop them from causing me and anyone else any further anguish. Weve already been displaced and our lives have been turned upside to a loss that we didnt see coming. Why must they continue to take their customers through these type of criminal practices. The bottom line is who ever owns the loans is holding our money for their own interest and XXXX should be ashamed for dealing with these kind of servicers. SLS loan servicing loss draft department are literally criminal and they play with peoples lives. Something has got to be done!
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (AZ)

Macys XXXX  XXXX. i signed up for paperless billing. their bills went to my spam. they made it very difficult to pay your bill. i checked it monthly just in case and paid my bill. i didnt know i owed them. ive never missed a lyme this in 20 years of being an XXXX  customer. i lost the card. if you dont know your account number youre cant get a new password. if you call, you sit in hold for an hour. finally i paid my balance in full. but they of course ruined my credit for punishment. this is the very reason consumers need protection against predatory cc companies.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On Thursday XX/XX/2018 I recieved a text alert that my bank account went below XXXX. I checked my account and XXXX XXXX in XXXX XXXX, AL took out {$910.00}. I live in Pennsylvania. I immediately called my bank and cancelled my card, filed a police report, and a formal complaint with XXXX XXXX. I found out the next day that several other people in town had something similar happen to them. Their banks all put the money back in to their accounts with the understanding that if it turned out not to be fraud they would take the money back out. My bank, First National Bank ( FNB ), said they can not do that until after the investigation is complete whether that be a few days, weeks, or months. I explained to them, why would you want all my checks and other bills to bounce on the account and then rack up a bunch of overdraft fees. For example, if my mortgage came out and bounced, it would be a {$37.00} fee, then that fee doubles every 3 days. This would the case with each overdrafted transaction. Then when I got paid the following Friday, they would take the money from that check deposit to pay the fees, thus putting me back not only over {$900.00}, but also the several XXXX dollars of fees that would have built up by then. I spoke with 5 people in the company, I have 3 names, a XXXX, XXXX, and XXXX. XXXX was the only polite one. They all agreed they did not agree with FNB stance on Fraud charges. However, refused to help me get my money put back. Instead I had to empty out my savings and max out my credit line ( thus affecting my credit score ) and borrow money from a family member to get my account just enough to cover the checks that were already out, so that they would not bounce and I would not be behind EVEN more with my finances. This is such an unprofessional way to help someone who was clearly hit with fraud and I was not the only one effected by the same debit card hack. I spoke with a lawyer and she said that FNB is infamous for how difficult they are to deal with and help you when money is taken from you.
Consumer complaint received 2022-04-30
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. (WA)

I received a credit alert from XXXX I had a new account alert. I looked at it and XXXX had closed my only account with them XXXX XXXX. I owed no money never logged in after paying them off well over a year ago. When I called them to see what was going on they told me XXXX  opened the account in my name to the XXXX XXXX company with a new account. They said that they sent out emails and you were to log into your account to get the new account. Ya let them know I never logged into my old account to get the new account. I have a personal witness to the whole incident. I can not even get into this new account as my information with them is incorrect. So not only am I stuck with an account I dont want. Ya cant even get into it. His is not my account I did not authorize it and Experian refused to do anything about it. Im still waiting on XXXX  and XXXX. Thank you. Nobody should be forced into an account like this. The witness to the conversation is XXXX XXXX XXXX XXXX XXXX.