davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT.
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

I recently spoke with several individuals at National Credit Adjusters about the above account. Attached you will find an FTC filing that states that not only the account with NCA is not mine but also the XXXX Visa account which your company is attempting to collect is fraudulent by way of identity theft. I have NEVER had a XXXX  VISA. I have NEVER received a XXXX  VISA to my address at XXXX XXXX Ct, which has been my ONLY mailing address for the last 5 plus years. A XXXX  Visa card tradeline has NEVER appeared on my credit file on ANY credit bureau. 

As I am filing both of these accounts with the Federal Trade Commission as fraud, I ask that your company follow the law and block/remove this collection from my credit files at all three credit reporting agencies immediately. I have attached this correspondence to myself, FTC and CFPB.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Chase, regarding my Chase Sapphire card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Macy 's Consumer Credit card continues to charge me {$2.00} a month for XXXX balance on my card. I have tried numerous times to have this solved. On XXXX XXXX with {$4.00} charged to my account I called ( XXXX balance ). They claim is interest of the unpaid balance which was paid in Full in XXXX 2016. They told me if I paid the {$4.00} there will be no further charges. Received my bill again today, and {$2.00} charge again on my statement. This is a rip off. They refuse to refund me. How can they get away with this??? WORST CARD EVER!!
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. 
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. 
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. 
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. 
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? 
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp. (TX)

I have been contacted by XXXX XXXX on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I've been a customer of Capital One bank for score of years. Recently I wanted to add an external account so as to transfer funds. I added one that I was not supposed to add, for I was not owner or co-owner of that account. However, at the time I was adding it, I was never asked about whether I was a owner or not. Anyway, they locked my accounts and when I called them, their representative accused me of repeat offences in adding an non-owner external account. On learning this, I deleted that external account immediately. The representative continue to ask me about the owner 's name, which I gave. When she asked me what I want to do with the external account, I thought I was not obligated to give that information, and refused to answer her. She got angry and ended our conversation. The next day, they sent me an email saying they are investigating and wanted me to called them, which I did. They then told me that they have decided to end their relationship with me, and will release the fund to me after investigation, so and so. That was XXXX XXXX. To this day, my accounts are still locked, and this was more than two weeks already. Please help.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MI)

I sent out a payment via mail in a check form because the website was down and the phone number provided to pay my bill was not accurate. I wrote the check clearly out for the due date which was not for another two weeks, knowing it takes a healthy amount of time to get to the bank I was sending it to. The company ran the check before the date wrote, overdrawing my bank account because the funds were not there. They would not refund the check and would not cancel the payment.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.
Consumer complaint received 2015-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (CA)

I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TRIAD FINANCIAL SERVICES, INC. (NY)

Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

Hi, my rental mortgage is held by Ditech ( formerly Green Tree ) and last month they included on my monthly statement an escrow payment of XXXX for forced insurance. I do not have an escrow account with Ditech and have paid my private insurance every year for the nine years of the mortgage. I called Ditech who said they did not receive my annual proof of insurance so I submitted it again. Within days I received from Ditech insurance an email stating they received my proof of insurance and they had updated my account. Several days later I reviewed my on-line statement and the escrow amount had not been removed. I have now called Ditech customer service five ( 5 ) times over three weeks and they have not been able to resolve this issue. I have been told they are escalating the matter and it would be resolved in 2-5 business days, I have been told it is being escalated and will be resolved in 5-7 business days and I have been told not to worry it will just be resolved. I had Ditech customer service phone conference with Ditech insurance where the insurance branch stated their " systems '' are showing our account is up to date but customer service stated they could not do anything since their systems still show our account has the escrow fees. I have spoken with three different supervisors who state the matter is being handled yet it never gets resolved. This morning I called to have a customer service person tell me that their policy changed as of a week ago and that supervisors no longer accept calls and can only call you back. So I hung up called right back and when I asked for a supervisor the lady immediately said " Of course please wait for the next available one '' and I indeed spoke with a supervisor. The supervisor listened, read my file and stated that she would escalate the matter and it should be resolved in 2 business days. So this journey is not over but I ca n't state how frustrating this has been and how scattered and disorganized Ditech has been.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (OH)

I am showing a {$0.00} balance on my card Rushcard. I have a transaction which is not mine, for {$53.00} and although it 's not a lot, it was my phone and grocery money to the end of the month. I have a dispute number from Rush that was automated and here is that information. This is an automatic acknowledgement to let you know that we have received your inquiry. Your ticket code is XXXX. Please use this code in any further communication. 

If your inquiry is related to specific account information or transactional information please reply with the following authentication information if it was n't already included in your first email : First NameLast NameLast XXXX digits of your Social Security NumberRushCard has recently updated our automated telephone system with several great new features! If you call our toll-free number, please pay careful attention to the new menu prompts to ensure that you choose the correct option. 

You will receive a response to your inquiry within 12 hours. If your request requires more immediate assistance, please feel free to contact us at the toll-free number below. 

To check your account balance and/or recent transactions, please visit us online at www.rushcard.com. 


Thank you, RushCard Member ServicesXXXXXXXXXXXXXXXX have had no contact from Rushcard. I borrowed a friend 's phone and was on hold 2 times totaling 3 hours only to be hung up on. I have private messaged them on XXXX as they asked, and no response. Other numbers and updates have been rhetoric. I am unable to move my upcoming direct deposit because it was too late ( XX/XX/XXXX was the cutoff date & gt ; ). Thousands of posts are made to social media and to the co-founder of Rushcard only to be ignored. I need my money. Today is day 3 since I have eaten last.
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc. (NY)

designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and CORRECTION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-06-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Blackhawk Network Holdings Inc. (IL)

I bought REloadit packs and loaded them to my safe. I tried to pay a bill using their bill pay feature, but it never went through. I opened a second safe and tried again. It did n't go through either. I have been trying to get a refund for these payments since XXXX ( it 's XXXX today ). I have been fed false information by this company and am beginning to think I 'll never see this money again. I have spent about 20 hours on the phone ( all recorded on my end ) and am surprised about his this company is allowed to operate. I have received XXXX refund checks in the past for unrelated issues. 100 % of the time, the refund check got lost in the mail. They take 30 business days for the check to be approved, then require XXXXXXXX business days for shipping. That means after they tell you they 're sending a check, it could be close to 2 months before it 's due date at your door. This is enough time for many people to forget a check was even supposed to be coming. 100 % failure rate makes me believe no check is ever sent the first time around. After you call them back and wait for another check to be approved, they might finally send it. When they do, it is a very small post card style check, which is small enough to fall in cracks or be overlooked as mail altogether. I am now on the XXXX iteration of checks being issued for this refund.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a previous complaint to XXXX, Transunion, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX