davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (NY)

Good day!! 
I had an issue with debt collection company which didnt call me or email me about my debt which fallows to appear big collection in my credit report!! Plus XXXX XXXX  didnt read meter reading on time and start billing me wrong amount which caused big debt and this was incorrect cuz I left my current place long time ago plus XXXX XXXX didnt even try to call me or text me even email me!! So as today I paid off everything make sure I wont owe them money, but they dont wan na remove this collection from my credit report, but as I spoke with one of collectors they said they will remove after I paid whole balance!!! After few days later they said it will be in your record for 7 years ( ( ( Im totally disappointed and broke that collectors didnt keep they promise plus on top they didnt even try to call me or email me!!! Totally disappointed with outcome even I try and take responsibilities and paid off whole balance!!! I wan na complain about professionalism of this collection company which leads bad mark on my credit report even when I paid off whole balance, but at the beginning they said paid for delete As you may see my whole credit report was perfect no late payments and no big debt was under my name, but this case was inappropriate toward regular consumer who didnt know about this debt and never had communication with me about this debt and collectors just was indifferent about my future and reported without knowledge me about this serious problem!!! Pleas can you help me to resolve this issue cuz Im trying to remove this collection from my credit report after I paid off in full whole balance!!! Pleas!!!
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have two CC with one company. Back in XX/XX/XXXX some charges were made that I did not realize till XX/XX/XXXX this account was used by my daughter for college. I have been unable to get the five charges removed and stopped my payments. I will pay the penalty but I was frustrated with the lack of consumer services when contacting the company. In XX/XX/XXXX I finally got a person from the company to assist me and agreed to make a payment that would pay off the credit card. The company did not apply the funds to the credit card in question but to the second card. I was under the understanding that at that time I had a XXXX  balance on that credit card if the five charges were successful. Last week I received a notice in the mail that the cc in question now had a balance of four hundred dollars more then what I paid off. Another words my payment was for XXXX dollars and now I have a XXXX debt on this cc.

The second cc I stopped payment on because of the slow crediting on my account that more then once took more then a week to post and allowed the company to charge additional rates. One week after I sent them a XXXX dollar payment they claim I owed them the additional money even though the company held the funds and did not post them to my account until after the late fees could be applies.

I have not made a payment yet and have not been successful in communication with the company. Until I can get the first cc straightened out I do not plan on paying another cent to the company.

I have not used either cc for months and have since destroyed them
Consumer complaint received 2016-09-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

In XXXX, I obtained a new mortgage from Wells Fargo in Washington state. Much to my surprise, and without my consent, I also got a new credit card. When I inquired with the bank about it, they said something along the lines of " mortgages come with credit cards. '' Later, another employee contradicted that quite clearly. In the end, I decided it was a harmless transaction, and I retained the card. But it was decidedly weird, and it smelled fishy. I attributed that to a simple error, but in light of the recent findings that Wells Fargo I now suspect it may have been deliberate. To the extent that you are so empowered, I would encourage you to investigate Wells Fargo prior to the XXXX date identified in the public reports.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (NJ)

CMRE has been sending me detailed records that appear to be numerous HIPAA violations. They have been sending me detailed information regarding procedures, and have even alluded to medical issues when they have attempted to call. I do not understand how they were provided this information, as I never saw the doctor 's listed, so I never would have signed a HIPAA notice. Either they are allowing other people to enter my information as fraud, or they are just outright violating my rights. Every single piece of paper they send is getting sent to the doctor 's office that is below my address. I am XXXX XXXX XXXX XXXX which is what my license says. Yet, there envelopes get delivered, UNSEALED, to the doctor 's office below me. This is causing even more violations as they are not taking care to protect my CONFIDENTIAL MEDICAL HISTORY!!! They have also been ending this paperwork to XXXX XXXX XXXX, which appears to have something to do with my husband 's past employment. Interestingly enough, they have now been calling asking me to pay the bills, so they can stop being contacted. This again, is a clear misuse of your provided allowances, and a complete disaster for me.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX account has been paid in full and Experian is reporting it as a charge off. Also, Experian has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You
Consumer complaint received 2018-05-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (MD)

I received an email in XX/XX/2018 that my student loan had increased. I was in the rate reduction plan. I called Navient about the pass due prior to XX/XX/2018 because I noticed that the agreed amount had not been deducted from my account. The representative told me not to worry about because of the payroll deduction I had actually paid ahead. Never gave it another thought thinking this was correct until I received a pass due notice. I again called and was told your rate has increased because you are no longer in the rate reduction. This bill increased over {$100.00} without any notification nor was i ever notified that i was no longer in the rate reduction plan. I can not pay the additional {$100.00} yet they are shorting my living expenses by debiting my account this much.

Navient apparently uses a script to communicate with people and every situation is not the same. They dont listen they take money. They do things without notification. They tell you things like sell your blood, move with your parents, sleep under a bridge etc anything but helping the student.

I need this resolved asap before i am homeless.
Consumer complaint received 2018-05-30
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)

About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Darnel Quick Recovery, Inc. (GA)

I received my credit report and notice debt from this agency on XX/XX/XXXX. In XX/XX/XXXX, I wrote a letter and sent it certified mail asking for proof that this was my debt and where I owed the company. The company failed to respond sending the information I requested. In XX/XX/XXXX the company had yet to respond so I sent another certified letter requesting this information to be validated and since it could not be validated to be removed from my credit report. The company will not respond to any of my requests nor follow up and the debt is in the amount of {$150.00} from XXXX XXXX XXXX from XX/XX/XXXX. 1. This balance was paid in full by my insurance company before XXXX XXXX XXXX closed. 2. The hospital was purchase by XXXX XXXX and they did not update my account information to show paid in full. 3. All of a sudden no one can find my bill nor services from that date in XX/XX/XXXX. 4. This company wrote me out a hand bill physically which does not prove anything.
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (WA)

I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. 

I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. 

Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. 

I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. 

No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

As I'm trying to get the company to expedite my card. An employee asked for my email and they said that they accidentally had the wrong email listed. Meaning that the employee before him imputed the wrong email and told me everything 's alright and that there's nothing els they can do. 

I told the employee that told me today they had imputed the wrong email if I could speak to a supervisor because this is a very concerning problem. They tried to brush it off told me that they will wave my fees to expedite my card and then connects me to his supervisor. Who then tells me that they can not expedite my card. I ask her why her employees don't know this and are giving me wrong info and she says that she will give me feedback and that's all she can do. I told her that the email adress that the employee imputed incorrectly and was left for two days ( meaning that whoever has the email adress that they imputed was now getting my information from capital one like my name and whatver it is they send ) she told me there's nothing she can do. I asked her if there will be an investigation and she said that she can only give me feedback. I don't know what this person is doing with my information and that's my information that companies pay for and they do pay for that stuff. She was very rude told me nothing she can do only give me feedback and that my time can't be compensated for my time being wasted with there untrained or badly trained employees. 

Something needs to be done I want to be insured that my information isn't in the hands of the wrong person. I want something to be done not just to be swept underneath the rug. I know that capital one has been sued for them knowing things and them not doing anything about it and that's what's going on right now..
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.
Consumer complaint received 2022-10-03
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, XXXX, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NH)

My Loans are over 20 years old, they were with XXXX XXXX XXXX that sold them to XXXX XXXX or Navient. They are at this highest level they have ever been. I am almost XXXX years old and have no way to pay these back?
Help After 20 Years?
Thank You XXXX XXXX
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (DC)

Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with Capital One Finance regarding the payoff balance and GAP insurance. In XXXX, the vehicle was officially paid off and I notified by Cap One that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though CAP One sent letters indicating that the lien was paid off.
Consumer complaint received 2017-01-04
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (SD)

I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.