davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been receiving countless phone calls from Portfolio Recovery about a debt collection for years. They call from different numbers every time, from all over the country. The most recent have been showing up on my caller ID as being from XXXX, XXXX, and XXXX. I have reached out to them multiple times by mail to attempt to verify the debt but they have never responded. The Collections account on my credit report is showing the original creditor as XXXX XXXX, but there is no delinquent account with XXXX XXXX on any of my credit reports to verify this account. I have never received any written communication in the mail from them to submit as a part of this complaint, they have only ever contacted me by phone, and they have never addressed my request for debt validation. When they call they tell me they are attempted to collect a debt and are asking for payment. I attempted to dispute this account with credit bureaus only for it to show " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution. '' I don't have any documentation from the original account they are alleging that I owe for. In addition to the countless phone calls, I get calls late at night ( past XXXX ), on weekends, even on Sundays.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I requested the statements to review their complicated online monthly statements which I have tried to report repeatedly since the unauthorized charges began to show up. Each time I reported vis phone calls and online, I received no help. I have tried since XXXX, XXXX to get help from This PayPal credit card, but the chrages continue to show up and the total is now at least {$710.00}. I want these charges removed and all the erroneous late fees incurred also removed. I stopped using this card in XXXX and yet the unauthorized charges continue. 
This companys customer support is close to non-existent. I have tried and tried and tried, including sending mail to request help, but mail gets returned stating wrong address. I recently, XXXX XXXX, mailed my request for help to resolve these charges to their corporate headquarters in XXXX XXXX, California. I doubt anyone there will respond. 
I am frustrated by their total lack of assistance and their purposely complicated dispute process. I am tired of trying to get help from XXXX and never will use their services again. I cut up the card.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (TX)

There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (MI)

They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020. 
I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

MY MORTGAGE WAS SOLD ON XX/XX/2018 TO RUSHMORE LOAN FROM XXXX XXXX XXXX  MY MODIFICATION PAYMENTS WAS $ XXXX@ 4.00 % FOR FIVE YEARS, MADE SIX PAYMENTS TO XXXX XXXX XXXX, THEN MY LOAN WAS SOLD TO RUSHMORE LOAN # XXXX I MADE 7 PAYMENTS  TO THEM THEN I FELL BEHIND ON MY PAYMENTS BECAUSE OF JOB LOSS IN XX/XX/2018 RUSHMORE IS TELLING ME MY PAYMENT CHANGE TO {$1600.00} A MONTH BECAUSE CALIBER CALCULATED WRONG I SIGNED A PERMINENT MODIFICATION I FEEL LIKE THEY ARE TRYING TO FORCE ME OUT OF MY HOME
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Experian shows that I have XXXX hard pulls of my credit report by XXXX, XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16 that I did not authorize. I have not applied for any credit on those dates or within several months. I contacted the phone number supplied by Experian for the company requesting the credit reports, and that credit card company had no record of requesting any credit reports for my account. I have initiated a fraud resolution case with Experian 's " Protect My ID '', but would like the credit report pulls removed from my credit record.
Consumer complaint received 2020-10-09
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. (FL)

Ive dispute a collection that a never open 5 Times and 5 Times they told that is accurate. I called the collection agencies and my information doesnt even show up on their systems. Not even name, DOB or SSN. Nothing. They told that it must be an experian error but experian keeps insisting that its correct when its not. I never open that account that shows in collection in the report. That needs to be remove from my credit report immediately.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (IL)

Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: PENTAGON FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX, I'd inquired about a XXXX  XXXX  Application which I submitted XX/XX/XXXX, in regards to receiving the assistance that I was told that if I applied with detailed credentials then it'd be submitted to upper management for approval. 

I submitted all that was required of me, given the fact of the XXXX  XXXX  employment that I had being employed but becoming underemployed simultaneously, which information I provided to my Loan Provider to still be denied with no resolve. 

The information I was asked to give was only found through the XXXX system which at the time I was highly unfamiliar with since I was used to paper documents. 

That meant go through XXXX  hoops of getting the information on a very XXXX  time frame which while I was still trying to acquire more stable employment depleted my ability to keep my car which has XXXX  expensive items in it that due to it being XXXX miles away from me, let me incapable of having means of retrieval. 

My information that I submitted for mishandled because after my submission, I subsequently received a letter in the mail asking for information that I didn't have any way of giving XXXX due to having worked only XXXX day at XXXX. 

XXXX only corresponded by texts and I didn't have anyone 's contact information and had to wait daily on my assignment. 
This was wearing down on my mental health as well as my physical health and finances because I was XXXX in my payments and my XXXX XXXX was increasing but due to XXXX not working with me with the XXXX XXXX it became even more critical that they picked up my vehicle early XX/XX/XXXX. 

I'd tried and complied with the best options that were given to me by XXXX  representatives I'd spoken with before it became so detrimental and facing repossession. 

I made my payments on time and I always called them to correspond with them regarding what benefits I had as a member which to me was like NONE. 

They did not work with me even while I was trying to diligently accumulate the amount that I was told in the XXXX  days that I was given to retrieve my car back then after I called in for additional information, I was told that I'd needed to pay the XXXX  amount if I wanted the vehicle back which to me would've been XXXX  times I've paid for it as I'd already put a little over $ XXXX into the vehicle from the XXXX  Loan Provider I was with before I refinanced with PenFed. 

I needed my car and definitely feel that PenFed was fraudulent in their claims to help me to keep my car after all the documents I gave them.
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

received letter from Midland Credit Management which states that an account was open on XX/XX/XXXX and it was charged off on XX/XX/XXXX with a balance of XXXX this company has placed this information against my credit and I did not open this account. 

I have completed a police report as well. Please remove this from my credit report as soon as possible. I'm currently in the middle of closing on a home and this infraction is counting against me and it's not mine.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

The company continues to take money out of my escrow and paying same person more than once putting my escrow in the rears and then they increase my mortgage payments. Also they have not sent me a monthly statement in 6 years. XX/XX/XXXX the pulled insurance payment out 2 times and each time was {$3500.00}. I wrote a letter with my concerns and also called and spoke with them and they were going to correct the issue. In hindsight they failed to do so and then again in XX/XX/XXXX same senerio but with property taxes and again they have no clue but are wanting me to pay for there mistakes. My house payment has went from {$1200.00} to {$1700.00} in 8 months time.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

XX/XX/2024 cfpb Equifax is allowing someone to lift my 7-year fraud alert. I have a 7-year fraud alert on all three credit bureaus due to identity theft. I checked my Equifax credit report yesterday and saw that my fraud alert will expire in 13 days instead of 7 years. 

This is an ongoing problem I would like my 7 year fraud alert to be added back to my Equifax account. 

Attached : Please see my XXXX Credit report with the initial 7 year fraud alert when it begins and ends..Also attached is the Equifax Report showing 13 days left until the fraud alert expires. 


XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NH)

There is currently a default on my credit report for XXXX dollars. This credit card was not mine and I have no knowledge of the card. I never signed any forms agreeing to ownership of the credit card. I told chase this many times and it was taken off of my credit report. Magically a payment was made which was not from me which they then put it back on my credit and told me I must have made the payment. I opened up a case with the government for indenity theft and this was not the only item I had to get taken care of. This is the only bank that is unwilling to help and realize I am the victim here. 

Chase has a real issue on their hands
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I started this credit card with capital one over 10 years ago and every time I apply for credit line increase they denied me. After 10 years with them my credit line with them is {$4000.00} only. My credit score is good, no negative items, payments always on time and they still turn me down.
Consumer complaint received 2016-10-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LendUp Loans LLC (OH)

I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.
Consumer complaint received 2024-03-11
Product: Credit 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: DISCOVER BANK (NV)

I made a purchase of {$500.00} from XXXX using my Discover credit card. However, I never received the merchandise. After that, I reached out to XXXX, but they didn't respond, even after promising to investigate and get back to me within 15 days. I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX still didn't respond. As a result, I filed a chargeback with Discover to dispute the charge. However, Discover deemed the charge valid without even investigating the overwhelming evidence about the delivery address not being mine, ignoring my multiple attempts to resolve the issue with the merchant, and the lack of response from XXXX. On XX/XX/XXXX, I received a letter from Discover asking me to submit any evidence to overturn their decision within 15 days. I feel like Discover won't help, as I have tried to resolve the issue with XXXX and have submitted substantial evidence. I have also involved the XXXX, but unfortunately, they were unable to help me either. Therefore, I am hopeful that the Consumer Financial Protection Bureau can assist me in getting a refund. If the charge is not removed, I will be forced to cancel my Discover credit card and start shopping locally using cash instead. I have attached evidence that supports my claim.
Consumer complaint received 2020-06-23
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

My chase bank app has a XXXX option. I used it bc its on CHASE APP as an option to pay. 
I have tried to purchase XXXX XXXX tickets. Sent XXXX payment via XXXX XXXX. {$500.00} Within XXXX minutes I realize it's fraud bc I only got XXXX ticket. So I call both phone numbers and they go straight to voice-mail. I hop in my car to go to XXXX XXXX to see if XXXX ticket I received via a fake electronic '' XXXX '' ticket is at least legit. I live XXXX minutes from XXXX XXXX; was told by XXXX XXXX XXXX its definitely a scam ). On way there I call chase and XXXX immediately. I give them the 2 phone numbers, one email address and 2 names linked to the person I supposedly paid. Both companies say oh well, no investigation and refuse to refund me. 
Chase is supposed to be a secure safe app. If so why do they offer XXXX as a payment??? When if fraud there's XXXX help? 
I asked this when I called chase told Representative I used my phone not PC for transaction. I was then told that a warning pops up from chase re XXXX in PC but not in phone transactions.. 
WHAT!!?? 
2 employees at Chase & 1 at XXXX all told me that Chase hardly if ever help with XXXX fraud NOR issues refunds. Yet they are able to pull all info up and see where, what email, what phone number and who my money went to!