davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NC)

I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.
Consumer complaint received 2016-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.
Consumer complaint received 2015-03-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation (IN)

I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : RESURGENT/LVNV FUNDING Account number : XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been making my payments all on time and early by using debit card from the same exact checking account which is also capital one checking account, for many months. On XX/XX/XXXX th, 2022, I made a payment from the same account for {$170.00}. Thus payment cleared my bank account within minutes and XXXX days later it showed as payment received on Capital One mobile banking for credit card ending XXXX, bit has not been made available to me! I have Made numerous calls to Capital one even to XXXX teams and they all are telling me there is a 26 days hold and no one can tell me why other than is a processing time!!! 
This has cost me extreme financial distress as. I even Asked them to refund my money and they have refused to do that. My next course of actin after this complaint is law suit for conversion. Thank you!
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NM)

at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-05-25
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LD Holdings Group, LLC (TN)

Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (SC)

I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with TransUnion, XXXX and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (NJ)

did not give the Mini Miranda until after attempting to collect the debt. 
The collector had confirmed my identity and proceeded to her collection script. Only after " I '' mentioned she had not given the Mini Miranda that she proceeding in reading it.
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.
Consumer complaint received 2015-08-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (FL)

Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My mortgage loan was purchased Ditech Financials who is now servicing the loan. I have now been with the new lender for about 2 years. During that time, they change the impound payments for taxes and increased my payment amount. I had the account on auto-pay and although did not miss a payment, had two payments that were considered late due to the additional impound fees that were not included. They charged me XXXX dollars in late fees for two months of being " late '' due to not including the additional impound fees, although I made my payments on time. I ignored the late fees and they have not seemed to follow up on them other than sending me constant offers to re-finance with them in which case, they will waive those fees. Last month, I failed to move funds in my bank account and ended up not having the funds in my bill pay to send the mortgage payment. I promptly corrected this and sent the payment in late. I have a ~ $ XXXX monthly mortgage payment and I have just received a letter that have have assessed a ~ {$2000.00} late fee for that late payment. This can not be allowable to assess a greater than XXXX % late fee on a single late payment. Please assist.
Consumer complaint received 2024-03-12
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: DISCOVER BANK (IN)

On XX/XX/XXXX my alleged account was placed into collections with XXXX XXXX XXXX XXXX. to assist in collection efforts. I was notified this on XX/XX/XXXX over 2 years after the date XXXX XXXX XXXX XXXX tried to sue me. I was never notified during the initial lawsuit and only discovered it after disputing the debt Discover notified me I was sued but the lawsuit was dismissed without prejudice on XX/XX/XXXX. 

I have disputed the accuracy of this account of almost 2 years and it always comes back verified as accurate but how could that be so If a judge dismissed a lawsuit I didn't know about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states I'd like to add the payment history reporting is inaccurate and reports multiple subsequent negative postings
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

I made a purchase of {$740.00} on XXXX The products are fake/counterfeit and I tried to cancel orders but they sent me item anyway.. 

I would like a refund-charge back done on this card.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (NC)

I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business
Consumer complaint received 2015-06-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

Green tree has contacted credit bureau to change charge off closed account date from XX/XX/XXXX to XX/XX/XXXX to keep the record from dropping off credit report and with them also doing this it dropped my fico scores like back in XX/XX/XXXX when it was first charge off and closed.. This is illegal by law and they need to correct this to the credit bureau to report when it was actually closed and charged off back in XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a XXXX XXXX master card with Capitol One. With the pandemic l was not making money, unable to pay the balance due and my card was " restricted '' ( but supposedly not revoked ) because l went 120 days without making a payment. When l started making money, l started paying this and my other bills ; and in doing so, noted that l had XXXX award points, which typically can be credited into dollars toward gifts or cash to pay down my debt. I wanted to use my award points to pay down my XXXX XXXX XXXX XXXX debt. The company refused to let me do so saying that l lost the points when my account was restricted. 

Since they did not revoke my card and these points were issued based on my spending on their card, l do not understand why l can not use them to continue to pay down my debt. 

I made a payment, called and requested an explanation of why l could not use my points. Two persons told me they thought the restriction could be lifted and my points reinstated as l requested an explanation, but the 3rd told me it could not and that he was the last person l could speak with. 

Interestingly, when l went on line to pay on my account, my bonus points were listed on my account at the top of the page. After l called and requested an explanation as to why l could not use them - l tried to redeem them online to reduce my balance- they magically disappeared. 

That is my complaint- they took something of value from me which l was vested in prior to restricting my account, instead of allowing me to use them to reduce my debt and reduce the accrual of interest on my debt. It seems unfair especially in light of the pandemic.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (FL)

I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC (TX)

They are reporting this debt to the credit bureaus, yet the paperwork they provided ( attached ) clearly shows this is over 7 years old. This is a false representation to the credit bureaus. The statute of limitations has expired. It can not be legally reported to the credit bureaus.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

On XX/XX/XXXX an account was sold to Portfolio Recovery Association, LLC. An account that I didnt know it ever existed. Until I was inquiring for a house. It had dropped my credit score XXXX points. I tried disputing multiple times about this collection. That it was an unauthorized transaction. I have a great track record of paying all my bills on time. This collection that I didnt do is dragging my credit score down. I did not receive any rights to dispute. Until recently they have sent me an email containing their evidence. They sent me a rights to dispute on XX/XX/XXXX, but to the wrong address! Thats why I didnt even know I had collections. They sent this rights to dispute to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Colorado XXXX, on XX/XX/XXXX. I have been living in XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX since XX/XX/XXXX. Due to Failure to verify my right address has caused my credit score to suffer.