davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX  and, XX/XX/XXXX XXXX Equifax XXXX. The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Consumer complaint received 2022-08-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MD)

On XX/XX/1922 I received a letter saying I owe XXXX {$170.00} and American Corsairs International LLC was trying to collect the debt. I contacted XXXX and they said I dont have any outstanding debts nor do I have an account number what is stated in the debt collector letter.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

This company is so unprofessional. They have yet to respond to my complaint let alone fix my online account! I have asked several times to get my online access to be fixed and no one will do ANYTHING to fix it. I have tried countless times and NO ONE does anything ... I REPEAT ... .NO ONE. 

this needs to be removed off my credit report asap or i will get legal involved!
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

This account has appeared on my credit report and, despite attempts to dispute, I have received no information proving I owe this debt. I was never in the emergency room in XXXX of 2017. I have had insurance at all times during the time they allege I incurred a debt. I am providing a true and correct itemized list of claims submitted on my behalf
Consumer complaint received 2019-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NH)

Back in XXXX and XX/XX/2018 we contacted The Money Source due to the company never applying our mortgage payment to our account. We have letters and cashed cashiers checks with dates stating they had and received the payments. The payments were never applied to our account causing in missed payments and missed payments on our credit reports. Each payment that was made with a cashiers check seemed to have an issue with the payment process. We contacted The Money Source and still have not received an email or call back regarding this issue. We were told that the issue was being looked into, but still have not heard a thing since.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I paid off my car loan in its entirety causing an overpayment of {$640.00}. I am still waiting to get these funds. Each time I call they say it is pending or all they are able to do is send an email to those responsible for writing the check.
Consumer complaint received 2019-02-19
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: JPMORGAN CHASE & CO. (FL)

XXXX  is incorrectly reporting a charged off account where I am shown as an Authorized User with Chase Cards. I have already called Chase to tell them I never gave permission to be on this card and this tradeline was removed from XXXX  and XXXX  but XXXX  has never corrected this reporting error.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (OR)

At approximately XXXX2019 from Synchorny Bank XXXX XXXX XXXX XXXX Fl. XXXX notified me thru my PayPal account about unverified charges on my account Mastercard ending in XXXX -in that a review to verify recent activity on my PayPal account- I called and talked with rep. she informed me that I had a third party phone that is not secure and unable to help me then asked for a cell phone number which I informed her that I live in a rural part of Oregon and poor reception and use the cell for going to town and such in the city 40+ miles away -- She informed me thatmy cell phone is also invalid and could not communicate to me the nature of the problem and would mail me a letter with a number on it to verify who I was-Strange when I call they have my number and social on file and address and cell number- I received-the new correspondence on or about the first of the Month I went to call the next day but the letter was misplaced- I finally found the Letter and called in on the XX/XX/XXXX and went thru the verify situation again phone number and SSI number again I was told number was 3 days over the limit and unable to talk to me -I finally got the person to issue a new number and used call waiting on my phone -Then it started all over again - I want to know if my account has been compromised and no answers! XXXX should I pay my bill they shut it down and won't let me communicate with them- I feel as though a big circle is evolving with little to no results! Please advise
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (ID)

I submitted a dispute with Equifax regarding an unauthorized hard pull by XXXX XXXX XXXX. XXXX sent me a email stating the their report was in error, and that a revision was submitted to Equifax to remove the item from my report. I called Equifax 800 number to proof repair was completed. I spoke to XXXX, she suggested I wait until it drops off my report, I asked to escalate the call, next I spoke to XXXX, who also suggested I wait until the item dropped off my report, also suggested I call XXXX yet again to resolve the problem. I asked to be escataled again, this time I talked to XXXX. XXXX started off listening, but soon was asking me to again call XXXX and get them to submit the repair. As I was talking, XXXX hung up the phone Total time of call aprox, 1 hour 14 minutes. IF this call is reflective of Equifax normal comsumer interactions, they should be sanctioned
Consumer complaint received 2019-02-19
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (NJ)

I've submitted a dispute using this site and all I've received were duplicate copies of the same letter but nothing I requested to which is supposed to be furnished to me. Nothing was submitted as proof, validation or verification. So again I'm asking for them to furnish the following documents ONCE again : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

On XX/XX/XXXX, a deposit was made into my checking account in the amount of {$9600.00} and was shown to be available. I started drawing from those funds to pay various creditors, expenses, etc. At some point during the following week, someone at TCF National Bank decided to place a hold on that deposit, without any warning or advance notice to me. When I contacted the customer service department, I was told I had to contact the depositor, again, the reason was not made clear to me. 
In the meantime, my account has been in a negative balance of over {$10000.00} and consequently I am unable to use my debit card. The bank has charged me overdraft fees, and has yet to give me an adequate explanation of their decision. 
I am requesting the funds be taken off hold, and my account restored to normal. Then I will be able to close my accounts with this bank and go to another bank. Any help you can provide in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (IL)

I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helm Associates (GA)

I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (FL)

I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (CA)

I am requesting the assistance of CFPB for this ongoing matter with Patenaude & Felix ( P & F ). I have sent them emails requesting a clear understanding of the offer terms. To recap, I received an offer letter for a final and one-time payment of {$2200.00} with a deadline of XX/XX/XXXX. However, the terms of the offer were not clear. 

P & F has refused to reply to my emails or phone calls and did not send any other notifications to me, all though they claim they did. The office manager at the escrow company ( who was to fund the offer money ) has confirmed that she, too, received no notification or return calls, in regards to requesting an extension of time past XX/XX/XXXX. Later, PF produced and submitted a copy of the letter of extension to XX/XX/XXXX to CFPB that they claimed to have sent to everyone involved, yet no one received it. and they sent pages of correspondence to CFPBthat no one seems to have, with no proof of delivery to me or the escrow company. Nevertheless, I sent a cashier check of {$2200.00} prior to the first deadline ( XX/XX/XXXX ) since they refused to answer and demonstrated unethical practices that could not be trusted. 
. 
The issue of their terms still remains. The offer letter to escrow, dated XX/XX/XXXX, said the satisfaction of judgment would be sent once the " total balance '' is received. The " amount due and owing '' is {$2200.00} as stated in that letter. But, in another letter to me, dated XX/XX/XXXX it says the satisfaction of judgment would be sent, upon receipt of the " balance owed ''. According to the letter, the balance owed showed {$11000.00} and the " settlement amount was {$2200.00}. '' This left me to believe that {$11000.00} must be paid in order to qualify as a Satisfaction of Judgement. 
Since I could not get clarity from P & F, and the deadline of XX/XX/XXXX was fast approaching, a cashier check for {$2200.00} with " paid in full '' in the memo line was delivered to them on XX/XX/XXXX. Later, the check was returned to me due to the memo line message. Hence, we are back to the beginning with no direction.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

In XX/XX/2018, we switched insurance carriers to XXXX for our homeowner 's policy., making sure to buy the same coverage that we previously had with XXXX . In XX/XX/XXXX, we received a letter from Wells Fargo stating that we did not have coverage for wind damage. Shocked, we called XXXX and were assured we did indeed have coverage. We then called Wells Fargo, staying on the line over an hour, and were told that the issue was settled. In XX/XX/XXXX, we received another letter -- same issue. We immediately called and again stayed on the line for almost two hours, this time while the Wells Fargo rep called XXXX. When she finally returned, she assured us that this time the problem had been dealt with. The next letter we received from Wells Fargo informed us that since we had not purchased wind coverage, they were buying a policy for us -- for {$1300.00}, {$500.00} more than the policy we bought from XXXX. Once again, we called, were on the line over two hours, and found out that Wells Fargo needed a declaration page from XXXX. It is a mystery to us why that fact had not been revealed previously. Meanwhile, Wells Fargo went ahead and took {$1300.00} out of our escrow account for the policy we did not need. The failure of Wells Fargo to correct an error they made, one that they assured us had been corrected three times, is unacceptable. We are older people with health issues, and this has caused us a great deal of stress and worry. We read over complaints on your web site and found others have had the same problem with Wells Fargo, so we can't help but wonder if this is a new scam cooked up to defraud consumers, similar to the credit card scam in recent years. We have advanced college degrees and were able to navigate the extremely and unnecessarily complex process to have this problem fixed. Many consumers would not have resources to do so. We would like assurance that, going forward, Wells Fargo will correct their errors quickly and with less time and effort required by their customers.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I paid off my Chase credit card in full and early for the third time in the four months I've had the card. When I paid the card off, the CS rep on the phone gave me a temporary credit increase so that I could use my card while the funds cleared. I paid {$3000.00}. I went to use my card on XX/XX/2019, and it was declined even though my online app said I had over {$2000.00} credit available. The purchase that was declined was a {$21.00} charge. I thought it might be the place where I was trying to use it, so I tried again with a charge a little over $ XXXX..again declined. I called XX/XX/2019, and the automated system said my card was declined due to insufficient funds, so I talked to another rep. She said Chase was holding my money, and I told her my XXXX XXXX XXXX account was drawn for the {$3000.00} on XX/XX/2019 and that the last rep I spoke with had given me a temporary increase so that this wouldn't happen. She said that was true, but the temporary time period ended before they released the funds. To me, this is theft, since they are drawing interest on my money that I can no longer access nor use what I paid for ... credit on my Chase credit card. I also missed out on airline points I could have accumulated. This is the second time this has happened to me.I expect Chase to be treated as any criminal who steals.