davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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: DriveTime (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I recently paid off an XXXX credit card. My previous balance in XXXX was XXXX which was due by XX/XX/21. 
I made two more final purchases. One for {$10.00} on XX/XX/21 and another for XXXX on XX/XX/21. 
I mailed a payment of {$1400.00} on XX/XX/21, which did not include the {$10.00} purchase. The {$1400.00} check was received on XX/XX/21. I called XXXX and asked if my payment was received. They told me yes and that my new balance was {$11.00} but I will be charged a late fee. I accepted the late fee charge of {$40.00}. I received my XXXX statement and there is a balance due of {$83.00}. This statement is showing that I made a purchase of {$62.00} AFTER the payment of {$1400.00} was made. THIS IS INCORRECT. My XXXX statement shows the {$40.00} late fee and an additional {$31.00} interest charge on a balance that was only {$11.00}. I'm being charged way too much interest on an {$11.00} dollar balance. I should have only been charged the late fee of {$40.00}. On XX/XX/21, I called XXXX and I spoke to a customer service rep AND a senior manager and nothing was resolved.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

My account was impacted by fraud at the start of 2024. A check was falsely deposit into my account and later withdrawn at a different branch the following day. I have filed a claim with TD bank to which their fraud department has not gotten back to me. I am constantly called by their collections department knowing that the account was impacted by fraud and my new account that was opened was closed with all my funds removed. TD bank has failed to respond promptly to the fraud claim and has not closed my account with funds inside even though a fraud claim and affidavit of forgery was filed.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (MD)

This person is reporting on my credit profile they are not liscenced or bonded to collect in my state. Exorting amount of {$7300.00} they are reporting inaccurate/false information on my All 3 of my credit profile which is destroying my life.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (PA)

I switched from sprint to XXXX XXXXXXXX paid off my balance and I gave my old phones back. Once sprint was sold I received a debt on my credit report stating I owed {$2700.00} to Jefferson Capital System. I explained that I did not owe this debt and this debt is more than XXXX years old if I did owe this. I have tried disputing this multiple times.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I made a purchase for XXXX with XXXX XXXX on XX/XX/XXXX. The charge was 18months no interest. The statement states the full balance had to paid in full by XX/XX/XXXX. I made a a payment of {$35.00} on XXXX XXXX and paid the remaining balance of of {$460.00} off on XX/XX/XXXX which bought my balance to XXXX. I made another purchase on XX/XX/XXXX of {$4600.00} XXXX which was 60 months at 14.99 % ). On XX/XX/XXXX I was charged finance charges of {$36.00}. I contacted XXXX and inquired about the finance charges considering I had already paid off the {$500.00} balance and the new charge had not been 30 days. I was told that I did not pay the XXXX off in the grace period therefor the charge was correct. I called in on XX/XX/XXXX and was told the exact same thing. If they are offering a promotional finance and there site state if the promotional balance is not paid in full within the promotional period then all accrued interest will be charged to the account. In my case the balance was paid and I was still charged finance charges. I feel this company is overcharging customers and not following their policies that are posted on their site and billing statements.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

XXXX XXXX - XXXX XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (GA)

My home is currently in foreclosure and scheduled to be auctioned on XX/XX/2023. I mailed a cease and desist, and a RESPA Request to Flagstar Bank on XX/XX/2023 and it was signed and received by XXXX XXXX on XX/XX/2023. I also mailed a cease and desist, and a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX ; this is the law firm that allegedly XXXX XXXX XXXX XXXX has hired to process the foreclosure. I have yet to receive anything from XXXX or XXXX XXXX providing evidence of debt validation. Please be advised that as of today Flagstar Bank and XXXX XXXX XXXX has failed to cease and desist all communications and collections regarding this consumer credit transaction. I have not received all of the documents listed in my RESPA Request ( please see attached ). On XX/XX/2023, I mailed a Mortgage Discharge Letter to Flagstar Bank and XXXX XXXX XXXX stating that I am open to relinquishing the property to either of these businesses in return for the money that I have paid, which is the amount on my promissory note and any upgrades that I have had done. In the midst of this, I have found out that Flagstar Bank is not a registered entity in the state of Georgia, nor do they have a local registered agent. I did receive a copy of the closing documents. Upon review of the closing documents that Flagstar Bank mailed to me, it came to my attention that FRAUD has been committed. I received a copy of the promissory note and not the original. Promissory Notes are N3 documents and considered legal tender and any copy of this note is counterfeit. There are multiple signatures on my closing documents from individuals whom were not present at closing, and there is also a notary signature and seal of a notary that was not present. I did not receive the proper disclosures on the day of closing nor anytime afterwards. Please be advised that Flagstar Bank and XXXX XXXX XXXX XXXX are attempting to steal my primary dwelling and severely impact not only my livelihood, but my XXXX dependents. They are infringing upon my constitutional rights as a natural person and they are attempting to prevent me from having safe and private housing in the midst of a housing crisis. I have constantly and consistently been harassed from many people via texts, emails, phone calls, and strangers coming by my home regarding this matter due to Flagstar and XXXX XXXX posting my private information online.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

Enrolled in the Financial Relief Program where payments were {$73.00} for 12 months. In XXXX my MINIMUM payment jumped to over {$700.00}. I am still impacted by COVID as my husband lost his job due to the pandemic and I am the only household income. After speaking with American Express it was advised that after the program ends the consumer has to basically pay everything that would have been 'due ' during the financial program which is not assistance at all- it delays it but that is not helpful during these times. They only offered to get a personal loan, a new credit card or counseling. I have requested the documentation that was agreed to when I signed up for the program as well as I did not see any language that mentioned this. This is unfair practices to offer assistance then make the consumer pay it all at one time with no option for arrangements that will not negatively impact ones credit.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have  XXXX  credit cards wit h Chase and when I used them they closed them for no reason other than the fact I used them. I am paying these cards per the terms and pay them 100 % on time. Chase is not reporting these accounts with the initial credit limits which totaled approximately {$18000.00} - rather as maxed out limits of approximately {$8000.00}. This is lowering my credit score b ecause it does not accurately report my credit ratio as less than half used.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.
Consumer complaint received 2015-06-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NJ)

XXXX. Received an XXXX XX/XX/XXXX under insurance with XXXX XXXX at XXXX XXXX in NJ. I had received a different kind of XXXX XX/XX/XXXX and followed the same course of action for this XXXX ( which i had no disputes ) XXXX. XXXX XXXX did the XXXX which means they had received pre-authorization from XXXX, otherwise i would be denied my appointment. 
XXXX. XX/XX/XXXX i check my credit report and find a debt collection for XXXX for the XXXX XX/XX/XXXX. 
XXXX. XX/XX/XXXX I Call XXXX and they said I do n't owe but it was n't paid because XXXX XXXX did n't follow the rules. 
XXXX. XXXX sends me a letter confirming I do not owe the money. 
XXXX. XXXX calls XXXX XXXX to resolve situation. XXXX updates me and says XXXX imaging is removing the debt. 
XXXX. I talk to Onlinecollections.com to fax letter XXXX. XXXX of OC says this letter means nothing. 
XXXX I Call XXXX XXXX XXXX XXXX says you have a zero balance and print it out at this online portal. I fax the zero balance bill to online collections. I call online collections and she says it takes 3 XXXX days to get the fax. She says she will call her client XXXX XXXX to check on the balance of the debt. 
XXXX. XX/XX/XXXX XXXX of OC says it is an adjusted bill and their client XXXX XXXX still considers it a debt to be collected. XXXX of OC insists OC does n't own the debt but are working for their client XXXX XXXX. XXXX will not remove the debt from my credit report. 
XXXX. XX/XX/XXXX I call XXXX XXXX today after the above phone call and speak to XXXX who confirms I have a zero balance and there is no debt to be collected. She puts an alert on an email for someone to call/email OC. 

What do I do next? 
Get a letter from XXXX XXXX confirming there is no debt to be collected? How do i get this removed from my credit report? 

I feel helpless. 
thank you
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX MD ( the Doctor ) who has never seen me in person, but owns a business called XXXX XXXX XXXX, which sees patients at his/her office in XXXX XXXX XXXX Florida XXXX XXXX P.A XXXX and/or a Nurse see me for 10 minutes, but then billed the doctor for a XXXX office visit on or about XX/XX/2021. Patient spoke to doctors office assistant about the improper billing practices by their office. Doctors office got upset and referred the claim to collections instead of working it out with the insurance company. Patient contacted the insurance company and has submitted an SIU referral due to the doctors illegal billing practices. Additionally, the entire bill is paid, and this patient doesn't owe this doctor one penny. The doctors office is currently using XXXX XXXX XXXX in an effort to antagonize patient for having complained about his/her fraudulent activities. I have attached the support that shows there is no payment due to the doctors office.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CO)

They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (GA)

I applied for a mortgage loan with Quicken loans and was pre-approved, contingent on certain conditions. I met all the conditions as specified but the loan was still denied. They stated that they could not confirm how I paid off XXXX debts. I provided bank statements that showed the withdrawal and money orders to pay off the debts. I am concerned because I am of low income and getting offers from higher cost loans and that my information has been mishandled or sold. I qualify for this loan and believe that I am a victim of housing discrimination because of offers from higher cost loans.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Consumer complaint received 2020-09-11
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Called in XX/XX/2022 to make credit card payment on time. Rep processed my payment gave me a confirmation number. Payment evidentially never went through because rep didn't put my correct billing address in bank blocked it. I was never informed of this, by the time I was informed of this it was time for my XXXX payment & my credit score was dropped immensely because of the representatives mishap.