davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a dispute with Huntington Bank from XX/XX/2024, at XXXX. I have photo evidence of the screen when the atm kept over {$800.00} of mine. They said that my investigation ended and they had no record of my money. I have banked here @ Huntington Bank for over 15 years. Please help me get my money back. I have a picture of the screen saying it took my money back in and it froze after that. I have a picture of the call I placed to Huntington right as the problem was happening. Thank you
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Per the IRS, a lender ( Wells Fargo ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has Wells Fargo failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balance owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

XXXX who owned the pines at XXXX XXXX sent me a notice that I owed money after they applied my deposit to damages at the apartment I rented. I sent back evidence that the report they gave me was false and had information I could disapprove on XX/XX/2019 and they agreed over the phone to research the matter as they may have wrongly withheld my deposit. 

They instead sent me no more correspondence and instead sent my alleged debt to columbia debt recovery who then sent it to the genesis collection agency. I have told both Columbia debt recovery and genesis the report and debt was false and I have evidence but they refuse to listen and keep sending out the fraudulent report.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

I have used paperless statements for several years, and was a US Bank customer for 20 years. Never was I involved with any crimes, but US Bank suddenly treated me like I was a criminal. They locked me out of my account and wouldnt let me back in. Theyve closed my account holding back appx {$1000.00} from what I can tell going by memory. Ive requested my statements and instead they mailed a uni statement Ive never seen before. No I MUST HAVE MY ACTUAL BANK STATEMENTS plus a snapshot of the day the closed my account. US Bank you can not win stealing from seniors. Please if you didnt steal as you are claiming then be transparent. Produce this information so I can see that you didnt steal from me. US Bank if you REFUSE to produce six months of account statements ( all three accounts ) along with a screenshot of the last day my account was open I most definitely will hire an attorney to request the documents on my behalf. PLEASE MAIL ME THE INFORMATION IVE REQUESTED. I have taxes due, and also need my financial history to get that done. You abruptly closed my account denying access to bank statements. Shame on your unscrupulous business practices.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The Date of Last Payment is missing on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/2019, XXXX XX/XX/2019, and this not showing on the XXXX report. Also, this charge-off account shows a {$22000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (KY)

I have been trying to work with Discover to lower my interest or payments or settle for my account and close it due to financial hardship. I am unable to pay my credit card bills. Discovery has called me twice a day since Monday XX/XX/2024. They called me on XX/XX/2024 at XXXX and XXXX. On Tuesday they called me at XXXX and XXXX. On Wednesday they called me at XXXX and XXXX. On Thursday they called me at XXXX and XXXX. I have attempted to answer these calls but when we connect the phone immediately hangs up. I feel as though I am being harassed and no one will talk to me directly from the Discover. I answered the Monday and Tuesday morning calls, but it immediately hung up on me.
Consumer complaint received 2016-02-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (OH)

Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX wire transfer on XX/XX/2024 not initiated by me was a chase fraud scammer. I went to local bank after the call and talked to a chase representative and they called to check the claim that I made and said there was nothing they can do. So I went to another local back right after and talked to the manager of the bank she made a couple phone calls and said the money was claimed by the recipient at XXXX. She said that the other bank that I went to before hers couldve put a stop to it. She called the wire department to file a wire recall after three weeks I never received a call from chase I had to call them.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2024 Amount {$12000.00} XXXX XXXX XXXX XXXX I.m dispute this amount on my Credit Report and request for this account to be removed ....
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

im really fed up w the way equifax buys time acting like there investigating my complaint. this is the 6th time ive filed and ive lost track of how many months have gone by and nothing has changed except Im getting denied credit due to mis information and lack of information alomg w wrong info that has not been changed or updated since XX/XX/2019 yet you allow equifax to pretend there investigating only to come back telling me they sent out inquiries to my creditors to get info why there messing up instead of them admitting there the problem. then i get a reply telling me be more specific? how much more specific can I be about my report not showing up when a creditor tries to see my report and if they do somehow get one its all bogus info dating back to XX/XX/2019 and blank in most places. I want compensated for there negligence and by law ive got ever right to get it. im 64 im not getting younger ive been debied a home loan, a car loan, a bike loan a personal loan and they use covid 19 as there reason there behind. i am sick of hearing that my XXXX is losing everything and i have nobody i can blame because of this virus. i think my info was comprimised back when equifax got hacked and there doing everything in there power to cover it up and buy time. youve cost me my most valuable asset of time wasted n You are held accountable. look at my complaints if you need more background they speak for themselves. lastly equifax has emailed me telling me they answered my disputes. thats nice if i could sign on to myequifax but they locked me out for reasons unknown so i have no recourse or idea what they have said but im sute its XXXX n buying time tactics putting it back on me. im done with this broken one sided system. the law is not on my side its obvious im the lil guy n you could care less about me or fixing my credit. so pay me now or pay me more later. IM SICK OF WASTING MY TIME TRYING TO PLAY BY THE RULES THAT ARE MADE FOR YOU TO IGNORE ME N HOPE I GO AWAY. I WONT TRUST N BELIEVE IL CONTACT SOME ATTORNEY WHO KNOWS THE GAMES YOU PLAY AND THEN MY DAY WILL COME. THIS IS UNFAIR AND NEEDS PUBLISHED SO OTHERS KNOW THE GAME YOU RUN.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Mastercard via Frontier Airlines in or on approximately XXXX of XXXX. I did not activate the card nor have I ever used it. The card was listed as dormant on my credit report and no benefits have ever accrued to me ( including e.g. an increase in credit card utilization, etc. ). I have never flown on Frontier Airlines. 

The name on the card and other card information is : XXXX XXXX XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX security code available on request On or about XXXX of XXXX the card was marked as active on my credit report, but not at my request nor by my use of the card. I had applied for the card a year earlier to get a cheap flight from XXXX XXXX to XXXX or vice versa I can not remember the exacts, but I ended up flying on XXXX XXXX Frontier Airlines repeatedly delayed the flight into the next day and I was simply to tired -- both physically and emotionally -- to wait any longer. On XX/XX/XXXX I received an email stating my credit card bill was due in the amount of {$89.00} on or before XX/XX/XXXX ( email available on reqiest ). 

I called the credit card company at XXXX on XX/XX/XXXX as displayed on the card 's backsider to dispute this charge explaining that I have never authorized the activation of the card, use of the card or any other tangible benefit from the card. I requested that the charge be deleted from the card and the card deactivated and cancelled. The woman representing the company apologized to me several times telling me should could not remove the charge of {$89.00} and acknowledged that I had never activated the card. She also could not escalate the call at the time and refused to escalate the call to her supervisor and/or manager. I insisted that she escalate the complaint, but received no satisfaction on this account either.

I am prepared to complain on social media about " The Frontier Airlines Credit Card '' if this matter is not resolved satisfactorily. I am also happy to see them in small claims court if needed. I think this is reckless of them and will stand up to it. I will neither stand for derogatory information to be posted to my credit report. I am happy to have them spend several XXXX dollars if not thousands on representation in small claims and/or elsewhere as the case is escalated. I am sure Frontier Airlines will enjoy the publicity. 

My personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Thank you for looking into this, deleting the charges accrued as a result of that company activating the unused credit card, and canceling the card. I will not be flying Frontier. 

Best regards, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

credit balance refund check requested XX/XX/XXXX for {$1600.00} via phone call as cap1 have no online service/ can not do so online. check never received. send the check overnight mail and train your staff. I am the account manager as you see on the account
Consumer complaint received 2021-10-06
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: DISCOVER BANK (TX)

I worked with XXXX XXXX Mortgage Consultant ( NMLS # XXXX ), XXXX XXXX  XXXX  with XXXX XXXX XXXX. I was advised and only authorized my credit to be pulled XXXX. I received pre approval letters and after my offer was accepted no contact from the lender or the management was made. My RELATOR had to continually reach out in order to receive communication on what was going on for 2 weeks and he was able to reach management who advised I was never pre approved. My credit was pulled an additional 4-5 times without my consent or knowledge I have attempted to resolve with the manager and lender XXXX XXXX XXXX and have received no response to get this additional unauthorized pulls removed from my credit as it is impacting it " hard inquiry 's ''.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a debt consolidation company pay in full my balance ending XXXX of 2020 of my XXXX account. 
It still shows a balance of {$1400.00}. 
I have a letter from them saying it is paid in full.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NV)

A debtor is attempting to sue me in a state I do not reside in or have I resided in over 25 years. The court they are attempting to use to sue me is out of jurisdiction. I live in XXXX XXXXXXXX XXXX. They are trying to sue me in XXXX XXXXXXXX XXXX 
I have only ever used my sisters mailing address in XXXX  due to having a XXXX. I don't want to know where I live. I have never resided with her or do I own any property or assets in XXXX. I never lived in XXXX XXXX I only ever lived in XXXX over 25 years ago. My sister told the process server that I do not reside there or have I ever. She told him i am not a XXXX  resident. She told him she will not be accepting service on my behalf he set it on the ground then walked off. He did not ask her name or identity her to even verify she was a relative. On the form served to her it says that the defendant was served. That is falsifying a court document as I don't live there or am I there. I was not served. I haven't even visited my sister in XXXX  in a couple of years. A court does not gain jurisdiction based off of a mailing address. I have no business in XXXX. Or do I ever intend to. I have not verified this is a legitimate debt just that it is illegally being filed for suit in a state I do not reside in and a county I have never resided in. XXXX XXXXXXXX XXXX does not have jurisdiction over XXXX XXXXXXXX XXXX. It is unethical and unlawful to attempt fo file a suit against me based off a mailing address alone. 

Credit corps solution IncXXXX, 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 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AK)

My car Loan and apr due to me being active during XXXX is way to high and I was told {$300.00} a month once I signed papers XXXX was my payments and I will never be able to get this down and its been over 4 years
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

We had a flood in our basement and have {$12000.00} of insurance coverage that we pay into escrow every year. The mortgage company or Mr. Cooper does not pay our insurance. We showed proof of XXXX XXXX 's adjusters report. This report is over {$21000.00} we had the work completed over two months ago. Mr. Cooper who over sees our mortgage says we was late on mortgage payment in XXXX so they can not Release our funds fully for event that happened in XXXX. We have bank statement showing we never missed a payment since we entered into the program in XXXX. We are currently up to date and have not missed a payment. We have showed proof
Consumer complaint received 2024-03-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One day, I was checking my credit card to see the balance. When I checked my card was locked. I had to do Bank Ownership of my account because of some sort of when mishap. When asked why this happen. They gave me a hard time they were rude to me, and very unprofessional. This reoccurred 4 times of such freezes on my account. An account that the EDD says it does not exist at Bank of America of such deposits or any sort of adjustments. The Bank Rep from Texas, Arizona, California, North Carolina, and I believe 1 more state Florida took actions into course to settle such claims that were reimburse after a long battle of truth of the matter.
Consumer complaint received 2020-05-16
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. (OH)

There were two dismissed Bankruptcies that were on my credit report that I have disputed to be removed according to the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ). TransUnion has removed one of the dismissed Bankruptcies, ( XX/XX/2020 ) but has failed to remove the other. The Bankruptcy that needs to be removed is docket number XXXX. I don't understand why they removed one and not the other when in fact there is no difference.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Citibank denial me access to my credit. Despite XXXX Citibank customer service rep telling me its Citibank 's credit they are lending ; I would like to draw your attention to the case law that supports my claim. In XXXX XXXX of Commerce v. Atkinson ( 55 E 471 ), it is established that a national bank can not lend its credit or act as an accommodation endorser. Similarly, the case of XXXX XXXX XXXX of Tallapoosa v. Monroe ( 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550 ) affirms that while a bank can lend its money, it can not lend its credit. As per the provisions of the Equal Credit Opportunity Act ( 15 USC 1691 ), Regulation B ( 12 CFR 1002 ), and the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ), I believe that your denial is unjustified and may constitute a violation of federal and state regulations regarding fair access to credit. Denying me access to my credit without proper justification may constitute violations of the Equal Credit Opportunity Act, Regulation B, and the Pennsylvania Fair Credit Extension Uniformity Act.
Consumer complaint received 2015-07-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credova Holdings Inc (AZ)

The company offered verbally in XX/XX/year> to extend the lower payments. I didnt not ask for that. However I did ask them to complete the agreed upon actions since the payments for XX/XX/year> and XX/XX/year> have been completed. 

I also received an email threatening to send the account to collections. 

Dear XXXX XXXX, Thank you for contacting XXXX XXXX in regards to your account with Credova Financial. It has reached its final opportunity to be handled voluntarily for the defaulted balance in full of XXXX all fees included. Unless a payment arrangement is secured today, the account will leave my office for possible collections placement. What is your bank card number? 

Please make it a priority to contact our office today at toll free XXXX to discuss this matter in detail. 

Sincerely, XXXX XXXX Account Representative XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visit us online to view your account/make payments at XXXX : XXXX