davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: CITIBANK, N.A. (TX)

I previously disputed an erroneous charge from XXXX XXXX on Date XX/XX/XXXX {$1000.00}. I provided documentation from the merchant stating they would correct these massive billing errors made by mistake. Citi failed to provide documentation from the merchant and only sent letters stating the following : We previously credited your account for this charge. The merchant will not honor our request for credit based on the information you provided us. 
Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. 
This is not the process outlined in the XXXX dispute resolution guide. Especially since I provided ample documentation from the merchant including one of their vice presidents apologizing for the error. Yet, no valid reason for the charge was provided by CITI, nor were any merchant responses. CITI claims they provided a merchant response at one point, but that letter does not show up in the center of my document as I am set up for paperless documents. I notified CITI of the errors in not receiving documents, provided screenshots showing the documents in my account as they stated. Citi in turn opened up a trouble ticket and letters began to start being available from that moment forward. To date, I still have yet to receive any other documentation from CITI regarding this charge, with the exception of a letter dated XX/XX/XXXX, which was a debit/credit audit that states the details of the audit are attached. However, there is no attachment. 
The letter further makes the claim that from the XX/XX/XXXX statement through XX/XX/XXXX statement my card was only billed {$480.00}. This is a clear error as the running ledger for this period shows total charges of {$16000.00} and total credits of {$4800.00}, with a total billed amount of {$12000.00}. This represents an overbilling of {$11000.00} from this merchant based off the results of the audit CITI claims.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My capital one card was closed 2 years ago and written off. I have been receiving credit drops, because capital one sells the account to XXXX XXXX Capital one sold it for collections XX/XX/2020. I have XXXX knowledge of this report and it has dropped my points tremendously, Ive tried contacting the XXXX XXXX, but its takes weeks to get an response. Im hoping you can get this removed off of my report.
Consumer complaint received 2021-09-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, Equifax and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

In early XX/XX/2021, I paid home appraisal fee to Loan Depot and received loan estimations on XX/XX/XXXX and XX/XX/XXXX with total service cost ( A + B +C ) {$3300.00} and {$3400.00}, respectively. Loan Depot did not close the case without any reason. On XX/XX/2021, Loan Depot sent me another loan estimation with total service cost {$4300.00}. On XX/XX/2021. Loan depot sent me final loan estimation with total service cost {$5200.00}. Loan Depot increased total service fee {$1800.00} without any reason. 
Although I submitted all of required documents at least 7 days before due days, Loan Depot never kept their promise and raised service fee 4 times. 
Due to Loan Depot 's illegal behavior, I decided to apply loan from another company ( XXXX XXXX XXXX ). On XX/XX/2021, XXXX  XXXX XXXX  asked Loan Depot to transfer my home appraisal report ( I have paid fee ). XXXX XXXX XXXX and I have emailed this request 4 times and 3 times, respectively. After 21 days, Loan Depot still did not transfer the report. On XX/XX/2021, Loan Depot manager XXXX XXXX emailed that he had asked Transfers to do the task and would need 3 days. After 15 days of XXXX ' promise, Loan Depot did not fulfill the task. 
I have attached 4 Loan Depot Loan estimation with service fees {$3300.00}, {$3400.00}, {$4300.00}, {$5200.00}
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (FL)

MEDICREDIT, INC XXXX ATTETION TO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/19 Yo ur company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICREDIT, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (TX)

I moved out of a XXXX XXXX unit on XX/XX/2021. 
I paid for storage from XX/XX/XXXX through XX/XX/XXXX. The company has a 5-day grace period for payment. They are attempting to charge me XXXX for the full month of XXXX. I refuse to pay since I did not occupy the unit, and even according to their own policy, I do not need to pay them.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit 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 (NJ)

on or about XX/XX/21 I attempted to purchase XXXX ft of XXXX XXXX  for {$620.00} on line from Lowes. Delivery was supposed to be with in 1 week. After waiting 4 weeks I called Lowes customer on XX/XX/21 and on XX/XX/21. I called Lowes to find out what happened to my order. They told me they did not know what happened to the order. So I told them I wanted a refund. After waiting about 2 weeks later I put in a complaint with Lowes ( Synchrony Bank ) Credit card. They denied my claim stating the order was delivered. I have never received my order. 

On the order slip it said XXXX shipped it Tracking # XXXX. I checked with XXXX, they said they need a 12 character number.
Consumer complaint received 2021-09-15
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: CITIBANK, N.A. (CA)

I received a letter in the mail on XX/XX/21 stating that I applied for a Bloomingdale store credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received numerous calls everyday for the past month regarding a debt not owed by me. I repeatedly informed Capitol One that I did not owe the debt and to please remove my phone number from their call list. Two of the representatives were respectful ; however most of them were rude and informed me that they would continue to call me and even said they would call me later in the day. Some would just hang up on me after I asked them to stop calling. These calls continued daily even on weekends. I care for an elderly sick parent and the calls were intrusive annoying and disrespectful.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.
Consumer complaint received 2021-11-03
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: C/C Financial (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really assured that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting incorrect information on PREFERRED LEASE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (CA)

I applied for a refinance of my Mortgage on my home and the Bank ( California Bank and Trust ) and the underwriter constantly are delaying the process.. I provided them with all the paperwork necessary when requested on time and they agreed on the rate and locked it in but they still continue to delay my process and say that my paperwork has expired because they were holding it for so long..I already had my home appraised by their appraiser and I feel like they are prejudice against me because I am of XXXX decent.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I purchased concert tickets last year XX/XX/2020 for a concert in XX/XX/2020 ( XXXX XXXX XXXX ) {$430.00}. Due to Covid the concert was postponed for XX/XX/2020. I called after and asked about a refund and they kept saying the concert was postponed ( no date ). I then disputed with my bank Wells Fargo, they did the credit back until investigating then took it back out of my account. Said I did not send them any documents. Ok, I submit another claim just XXXXwo weeks ago and again they say my claim is closed and they will take the {$430.00} out again. I called XXXX XXXX XXXX XXXX XXXX # and no answer. So now I want to close my accounts with Wells Fargo ( 25 ) years! This concert will not happen. The promoters have our money. I dont thing Wells Fargo even investigated.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

On XX/XX/2021 I used the services of Remitly to send {$220.00} dollars to the XXXX XXXX and in the XXXX XXXX XXXX used XXXX XXXX to make a home delivery. 
I received a delivery notification and since I had use Remitly services before without any incident, I believed the funds were delivered. 

The following Month the recipient call me to make sure I send the funds I normally send on a montly basis because he had not receive the Month of XXXX and that landed the recipient in hardship. 

I asked him to contact XXXX XXXX in the XXXX and the very next day he showed up in person ti inquire about the missing delivery and he was told that there such transaction never occurred and that Remitly never send such transfer, I called Remitly Customer Service and remitly contacted XXXX XXXX to inquire about the transfer in question, XXXX XXXX responded to Remitly with a receipt bearing a signature which was not the recipient signature So there you have it, XXXX XXXX told the intended recipient that such transfer never occurred meanwhile, XXXX XXXX acknowledged to Remitly that they received the transaction and produced a bogus receipt claiming they had delivered the funds. 
The next day I asked the intended recipient to go back in possession of proof of the transaction and a copy of the receipt the supplied Remitly with. 

When confronted, someone at XXXX XXXX produced another receipt bearing the recipient legitimate signature, the thing was that such receipt was was for a different amount and sent by someone else on the same date but at a different time which the recipient received. 
For the record, I have a copy of such receipt with the recipient signature and another copy of a produced receipt without the recipient signature but bearing someone else. 
I would also like to state that Remitly Customer Service Representative judging by the noise around the conversation sounded like he was sitting in a bar and was likely speaking from somewhere in XXXX XXXX XXXX. 

Remitly did nothing further to investigate my claim and when presented with the proof all they said was well, XXXX XXXX claims they delivered and there is nothing we can do.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (CA)

An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company XXXX decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet XXXX will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by XXXX to get my car out of the bankruptcy status with XXXX but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed XXXX in chapter XXXX bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to XXXX countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with XXXX as well as XXXX who represented XXXX. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing XXXX and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day XXXX reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. XXXX keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information XXXX has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what XXXX has reported they cant give me a loan.
Consumer complaint received 2021-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

FIRSTMARK took over our 8 loans ( XX/XX/2021 ) when XXXX XXXX sold our loans. We have twin daughters, XXXX XXXX XXXX and XXXX XXXX XXXX. We, XXXX XXXX and XXXX XXXX XXXX, parents and co-signers. Account Numbers : XXXX and/or XXXX and/or XXXX. Payments made : XX/XX/2021 {$30.00} & {$450.00} & $ XXXX XX/XX/2021 {$480.00} & {$430.00} /XXXX XXXX XXXX {$480.00} & {$430.00} / The process has been ridden with errors and misinformation, Our on time payments were reversed when FIRSTMARK used former banking info from 6 years ago. We did supply FIRSTMARK with the correct banking intuition, I have called to make payments and also made payments at the FIRSTMARK website. We are being inundated with phone calls and e-mails from FIRSTMARK requesting payments. I have answered all calls, given each FIRSTMARK rep the correct/updated info. Our credit rating is being affected. We want to manage these loans, make payments on time, receive and give the correct and updated information. I have e-mailed Firstmark, phoned customer service, waited on hold, reached out for help and have had NO RESPONSE from FIRSTMARK. This company has called me over and over and over again requesting a payment that was MADE ON TIME. The calls are all recorded, please listen to me explain over and over again, request a supervisor to correct or ask for help.. I have requested paper statements, told were not available to print and send. No person has ever called or reached out to us XXXX XXXX, we never had a problem with, Firstmark has the worst customer service I personally have had the misfortune to work with. We have made three payments to Firstmark since XXXX of just under {$1000.00} each month. No action has been taken by Firstmark other than to continuously call and e-mail. Also, there are statements dated XX/XX/2021 for a XXXX XXXX, XXXX XXXX, in New Jersey. This is not me. This entire process borders on harassment. Please I need help. I thank you for your time. Please advise if you can.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

The chargeback was initiated by a customer it paid me for non-refundable services the bank withdrew the amount of the charge back from my account and requested that I send in the supporting evidence documentation for the chargeback I submitted the paperwork over 15 pages to the bank twice exactly the way I was told to submit it and have proof that I submitted it before the required date and time when I called to check to verify that they received the paperwork I was told to submit it one more time which I have proof off as well then I called back to verify they received all supporting documents and I was told but they cant find them I did its too late I already lost the case because I didnt submit the paperwork on time I had to supervisor who told me to send him the proof that I sent the paperwork on time and that he would help me out well look into it I waited several days he never called me back I called them back and escalated the situation to even a higher authority was told they would call me back they did not call me back either escalated it a third time and Im still waiting for a response its their faultThe banks fault for losing my paperwork not mine I sent it to the appropriate phone not fax number on time and have proof why should I be the victim Im losing this money and now they wont even call me back every time I call Im told some lousy excuse and given the runaround please help