davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX XXXX XXXX who on XX/XX/2022 had my pin and card stolen I within 14 minuets of card stolen i notified chase bank to close debit card. Within 14 min XXXX was stolen from my bank account from a chase atm machine at XXXX XXXX branch in XXXX XXXX ny XXXX I filed a police report that day and police went with me to branch to notify what happened. XXXX XXXX from that branch filed the claim to get the funds returned to my account on XX/XX/XXXX the funds were returned. Then without any notification to me on XX/XX/2022 that credit i received from the stolen funds for my account of XXXX was reversed. Their reason after weeks of tring to obtain that was that the debit card without error was used by pin number. The theives stole the pin and the card. There are many violations Chase has committed. Most serious is they do not consider a police report in their examination or the fact i have had an account with chase since the XXXX and never had a claim. They then after weeks of going back and forth tell me to go to merchant to get my XXXX. The merchant did not take the unauthorized funds from my chase account Card and pin was stolen.. No where in their advertised description of a debit card does it state they will not honor a debit card, if it is stolen I notified and shut down debit card 14 min after it was stolen i also received a detail police report by nypd same day as theft and brought 2 detectives to branch to meet manager. If that is not enough then chas does not honor unauthorized withdrawal
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.
Consumer complaint received 2017-04-28
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: Receivables Management Partners, LLC (FL)

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The debt collect or furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  RECEIVABLES MANAGEMENT    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

Good morning, just a minor error. On my report it says that I 'm unemployed, but that is not the case. I 've been at my job for a total of eight years hired back in 2008 till present. Same place of employment XXXX in XXXX Nj. Please respond to this issue. Enjoy the rest of your day and have a safe weekend.. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XXXX/XXXX/2015 I am receiving calls as follows. Seems their ROBO caller is calling XXXXtime then XXXX times then XXXX time and now its has started every hour. They have called my Employer and said that they had papers to be delivered to me and that the server was outside my office. I called them and told them that if they called my employer or my office again I would file a complant. Now it is getting worse. I work for a XXXX. I do not have time for this XXXX. The account is already passed the Statute of Limitations.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Despite my previous complaint filed on XX/XX/year>, and a second notice sent ( certified mail XXXX ) Portfolio Recovery Associates has continued their collection efforts through alternative means, particularly via communication with XXXX, one of the major credit bureaus. Portfolio contact information on my credit report is incorrect making it difficult for letters to be sent to them which is against FDCPA laws. Their address on public website is XXXX XXXX XXXX XXXX, VA XXXX but they are reporting XXXX XXXX XXXX XXXX, VA XXXX on my credit report hindering my legal rights to dispute this information directly with them. 

In my initial complaint, I provided Portfolio Recovery Associates with a proof of claim letter, clearly stating my request for documentation verifying their legal right to collect on the alleged debt. However, since receiving my complaint and attached letter, Portfolio Recovery Associates has failed to provide a single document substantiating their claim or demonstrating their legal authority to pursue collection activities. Furthermore, despite their cessation of direct phone calls, Portfolio Recovery Associates has updated the alleged account in question on XX/XX/year>, further exacerbating the negative impact on my credit profile. This continued reporting of an alleged debt without validation not only violates the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) but also disregards my rights protected by law. 

The relentless pursuit and reporting of this unlawful account by Portfolio Recovery Associates have severely affected my ability to secure credit approvals from lenders, thus impeding my financial stability and opportunities. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Portfolio Recovery Associates for their blatant disregard of consumer rights and regulatory statutes. Also,
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. XXXX Bank ( XXXX ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. XXXX
Consumer complaint received 2016-07-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CASHCALL, INC. (CA)

XXXX XXXX XXXX is collecting for CashCall. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XXXX due to expenses from the death of my husband and they are reporting it as opening in XXXX. They have re-aged the account to try to keep it active.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently got a call for a debt that is past the limits to be reported collection agency collecting for household bank says I owe but this does n't show on my credit report is there any way my rights are being violated since I have not received any letters from creditor or collection agency since 1999 and it 's been over XXXX years since this debt was removed
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.
Consumer complaint received 2016-10-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP (IA)

Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got hired by the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my bank of America online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that, I found the paycheck got chargeback and I found it is fraud. If it is not a real paycheck, why the bank shows " available '' first?
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

ALL CREDIT AGENCIES REPORTING OUTDATED AND FRAUD ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES ... .REMOVE FROM CREDIT FILE ASAP ... '' PUBLIC RECORDS XXXX BANKRUPTCY XXXX X ON FILE, DATA CENTRAL XXXX ON FILE, XXXX XXXX X ON FILE, XXXX XXXX XXXX XXXX ON FILE ''
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Midwestern Audit Services, Inc (MI)

I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.
Consumer complaint received 2015-09-18
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit score as of XXXX 2016 was XXXX. Today I find out it is XXXX. I am in the process of purchasing a home and this is causing a serious problem ( the low score disqualifies me from securing a construction loan ). I see that XXXX XXXX XXXX XXXX keeps submitting the car charge off ( I co-signed for XXXX of my children ). I need this adverse charge to REMAIN OFF my record. They have the car, WHAT ELSE do they want?
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Consumer complaint received 2015-08-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group (CA)

XXXX calls my telephone number about once a month and has for three years to ask or leave a message for a debt that I do not owe. In fact, they company asks for a person who is not me. 

They have indicated that they will remove my name from the database, but they have not.
Consumer complaint received 2022-02-10
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX I had work done to my home through the XXXX. Instead of cash out of pocket, the work was paid via my property taxes. Due to the timing of the completion of work and when my taxes would be paid, my Escrow analysis would not reflect the shortage until it was completed XX/XX/XXXX. I put money aside and paid the shortage and told them about the ongoing payment method and they said they would do an analysis. When I got the new statement for the following month, I adjusted my auto debit accordingly. When I got all future statements, I simply filed them without reviewing them as the correct amount was being deducted from my bank account. It was not until the last week in XXXX, XXXX while discussing a pending refi ( with XXXX XXXX ) of my home that it was identified that my current Mortgager, Ditech had completed that Escrow analysis incorrectly and I apparently had another shortage going on of {$95.00} for the past 11 months. I immediately called Ditech and their customer service person was XXXX. All she would say is that she would order a new Escrow analysis. I asked for a point of contact, but was told that, that department ONLY communicated either via FAX or postal mail ... not via telephone or email ... in this age of technology??? I asked what I should do if I had any questions after this new analysis was completed and was told to call customer service ... Now, please explain the logic in that. She did not know how to help me other than to order a new analysis ( although she initially said to wait for my next analysis until I pushed the issue ) so I should call her back if I have questions about work completed in a department that is not accessible by Ditech 's customers??? Anyway, it has been longer than the amount of time she said it would take them to do this and I have yet to hear back from them. I did send a letter on XXXX/XXXX/XXXX to their corporate headquarters. The only result I received was a phone call from them saying, " I was told to call you because you have questions regarding a refi? '' I did n't put two and two together until after I told him I was in the process of doing my refi with another company because when I called them last month to see about it, the person I spoke to was very abrupt and unprofessional. I have NEVER been late or missed a payment in the 22 years I have lived in this house. I trusted that they were the specialists and that when they notified me of the increase in my monthly payment, it was all encompassing the new tax bill amount. I was extremely unhappy to have been treated the way I was and now I have to come up with nearly {$1200.00} because of their error. This is just not right!!! Sorry for this statement, but it seems the inmates are running the asylum.
Consumer complaint received 2015-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have contacted Transunion Regarding Unauthorized Inquiries on my credit report, and I have supplied Transunions Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XXXXXX/XX/XXXXXXXXXXXX/XXXXINQUIRY DATE XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-05-26
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: DISCOVER BANK (TX)

There was a discover card was open in my name account number ending XXXX and I never applied for it and nor had the card in my pocket or anywhere and I called XXXX and open up a case and they were rude to me and I was upset that I had to change my number and they holding me responsible for XXXX bill that I never do and its still on my credit report ... and they closed my case and denied my request to reopen it ... .. and holding me responsible for this card that Im not interested in
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back.