davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

The company did not send validation of the debt in writing within 30 days of initial contact The company did not have permission to contact me. 
The company did not satisfy my request to validate the debt as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MA)

On XX/XX/2020, I submitted an online application to Citibank to open a savings account. I received a letter rejecting my application and I contacted the bank. It was clear from our conversation that my previous identity theft duly reported to all three credit agencies to the federal trade commission etc. was responsible. The banker I spoke with on XX/XX/2020 assured me that if I removed the freeze from my account at XXXX there was a high probability the account could be opened despite the fraud alert that remained with all three credit agencies. I therefore lifted the freeze from XXXX From the date of our conversation on XX/XX/2020 through XX/XX/2020. I received a letter today on XX/XX/2020 notifying me that Citibank could not open the account based on the information they had received from XXXX. Records of my credit security at XXXX XXXX  confirm that Citibank contacted XXXX on XX/XX/XXXX and XX/XX/2020. Thus my application was rejected solely on the basis that I had a fraud alert entered on my report. The freeze has been lifted from XX/XX/XXXX through XX/XX/2020. I think it unconscionable that the mere presence of a fraud alert should preclude opening an account when all the appropriate identifying information has been submitted. I called Citibank today on XX/XX/2020 and they informed me that I should put in a third application which is very time-consuming process online and clearly would go nowhere since citibank new account management has decided that the account would not be opened. This is a sort of low grade fraudulent activity that characterizes criminal institutions like Citibank, XXXX XXXX etc. its only a matter of time till the weight of these complaints eventually catches up with the institution. I doubt anything will happen on the basis of one report like this but a report here a report there pretty soon youve got a few hundred reports And heads may roll. Thank you for your consideration.
Consumer complaint received 2020-07-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2020-05-21
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. (AR)

I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Consumer complaint received 2020-07-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOAN TO LEARN (CA)

I entered into a contract to settle a private student loan debt with Educap Inc. ( doing  business in California as " Loan to Learn '' ) brokered through Educap , Inc. 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections XXXX XXXX XXXX XXXX XXXX XXXX, who now falsely allege the debt is verified and accurate.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I have email over 50 times every time about a new issue, fist it was the car almost XXXX me on a 25 mile drive from a defective XXXX XXXX computer issue, then it was the wheel and tire insurance cancellation that never got applied to my account, then it was hacking my phone ( or more like anything and every device I own connected to the internet ) which they are currently still doing, and now it is billing issues my account is almost completely paid off ( less then 400 left ) the automated phone system say my title was sent the XXXX of XX/XX/2020 but since when u purchase a vehicle you sign a waiver of power of attorney they took my title and are now saying I owe more. I have proof they are somehow making my dmv mail go directly to them too. I asked for a dmv pic fee refund for a different car I cancelled and the dmv approved it but when it was sent to me it was a new check from my dealership stating they had recieved it And they used it to pay my title fees because they don't relized that I know the had previously asked for over 2 refunds for the title and taxes and reinciated the purchase without my knowledge at the time atlast two times I know because I smelt something fishie so i went to the local police dept and ever time I went they confirmed its license plates had been once again reinstalled with a new number. When I finally recieved some plates inside the paperwork stated " sent to the our business partners Hyundai XXXX XXXX '' well the new check said we over charged you here 's what we owe you.. they had the malicious nerve to send me a {$1.00} check and then not apply the rest to the balace of it to my loan a {$250.00} tip maybe they took it as idk where these people logic came from but the dealership is super currupt they put me in 3 cars in 6 months that when I fina ) y got into one I wanted to keep they turned around and went out of their way to give me a car they had fixed because something happened to it with intent that I would never find out .... Well guess what I did. So they maliciously gave me a undisclosed damaged " new '' car for way too much and when I confronted the owner he gave me a written gureentee that it wasn't true even know you can clearly see the car is lopsided I fixed the electrical issues by myself but any somewhat detail oriented person can clearly see that atleast the driver door front wheel panel and maybe the whole or atleast the part above the driver has been replaced, also they vin isn't correct. I found stickers inside the engine compartment with different vin 's then the one visible in the cab or driver door or on the labels on all the exterior of the car.
Consumer complaint received 2020-07-06
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2020-07-06
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: Conn's, Inc. (LA)

I have inquiries on my report for XXXX, XXXX, 2019 XXXX, XXXX, 2019 and XXXX, XXXX, 2019, as well as XXXX, XXXX, 2019 that I didn't not Authorize. Also, conns is continuing to report to my repot from XXXX, 2019 and I no longer have the merchandise it was returned to the store. I've sent emails and phone calls.
Consumer complaint received 2020-05-05
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX. 

Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial. 
On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one. 
I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued. 

On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ). 

On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped. 
I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made. 

On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX  can not provide proof of shipping of this second order because it was never shipped and/or received. 

I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I contacted a few lenders to find the best mortgage interest rate for my first home purchase. When I decided to go with a lender who offered the best deal, I properly notified the other lender, Rocket Mortgage, of my decision. However, Rocket Mortage charged {$500.00} to my credit card on XX/XX/2022. Rocket Mortage said the charge related to a deposit that they used to order a credit report and third-party appraisal report. I never authorized Rocket Mortage to start the loan process as I just inquired about their interest rate. I asked Rocket Mortgage to refund the {$500.00} deposit, but they said it was not refundable. The deposit agreement indicates that if the application is withdrawn for any reason, they will refund the deposit minus the actual costs incurred.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (TX)

I have sent Experian, XXXX, XXXX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to live in.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (FL)

Well i was hack into on my computer where serveral prepaid cards i have were used to a sight called XXXX and my cash app which i am having problem with them refunded all the charges i did not authorised, i am a XXXX XXXX i have a XXXX XXXX XXXX XXXXXXXX i am XXXX years old on XXXX i was XXXX  in 2016 very badly and now i suffer from many XXXX things, the company is cash app that my pre paid card ending in XXXX i dont know the name of the bank they only refunded the XXXX statement XXXX charges XXXX, XXXX, XXXX and XXXX thats all they did this goes back to XXXX in XXXX where it started XX/XX/XXXX XXXX and XXXX XXXX XXXX for a total of XXXX XXXX charges XX/XX/XXXX XXXX charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a total of XXXX XXXX Charges are a total of XXXX for dates XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX total is XXXX dates XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX the grand total of refunds owed to me are {$420.00} thats halve of my rent i am being evicted for not paying my XXXX rent please help me get my money back
Consumer complaint received 2021-06-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (WA)

XX/XX/2020 my car was reposessed from my home XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wa. XXXX which is in a gated community, the gate which is open from XXXX to XXXX. the repo company came at XXXX which means they had to follow someone that lives in my apartment community to unlock the gate. It started back in May I fell behind in my payments and was waiting for my back unemployment payment. I was communicating with XXXX XXXX via email and she stated that if I make two payments they would put the repo on hold she never mentioned that the payments had to be together, in between time I was in communication with Mrs. XXXX, letting her know that I would be paying soon or that day in hopes my direct deposit would hit my account because my unemployment claim was finally fixed and approved. Even though we were in constant communication she still called and harrassed my friends and family. On XX/XX/XXXX, XXXX and the XXXX Mrs. XXXX called my son 's phone and left detailed messages about my account, about the car being placed in reposession and I need to give them the car back. My son saved these messages on his phone. My son doesn't need to know what is going on with my account, he is not on the car loan. I made a payment the end of XXXX and the beginning of XXXX. 
The end of XXXX I started receiving calls and emails from consumer portfolio saying that if I didn't make another payment they would put the account back into reposession, I let them know I couldn't make payment for a few weeks and mentioned my conversation with Mrs. XXXX about putting two payments to the back of the loan to get the payments current. They acknowledged the conversation and said we need two payments together which was never mentioned before. They said I had until XX/XX/XXXX to make a payment or the car was getting sent to repo collections. They came and got the car XX/XX/XXXX in the early morning hours. 
Today XXXX first I received a certified letter saying they are going to sell the car. The letter head says XX/XX/XXXX. I changed my address to a P.O Box in XXXX which I have statements from them with that address on it they were sending the certified mail to my previous address. I received it today with a XX/XX/XXXX date. The car is going up for sale tomorrow XX/XX/XXXX. 
At this point I don't know what to do. 
Thank You, XXXX XXXX
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, XXXX XXXX, XXXX XXXX, Chase XXXX Banking, mails Notice that a {$15.00} monthly service fee to be charged on " New '' account. 

Chase was advised on XX/XX/XXXX not to convert Business Checking account and Charge a {$15.00} Monthly Service fee on " New Account ''. Chase disregarded the customer request and charged a {$15.00} Monthly service Fee on the XX/XX/XXXX through XX/XX/XXXX statement. 

Customer call on XX/XX/XXXX to XXXX at XXXX Central Time to Chase employee XXXX XXXX requested XXXX to remove the Monthly Service Charge and to stop making any further charges to the account. XXXX removed the Charged but stated that Chase would not be able to stop the monthly charges to the Account.
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

When I refinanced my home with Quicken Loans I made it clear that I was trying to not have PMI because there was a large amount of equity in the home already. At the time the loan was for {$120000.00} with a value of {$140000.00} meaning when I paid down to about {$110000.00} the PMI would no longer be needed. I still have PMI of {$15.00} per month even though my home loan has a balance of {$110000.00} or 76.69 %. They also state that it comes off automatically when you reach 78 % which is not true because I am still paying it. 

I was instructed on XXXX that I would need to pay to have my home reappraised to have it removed or wait until XX/XX/2020. 

I am now being told that this is a requirement of XXXX XXXX. Reviewing my closing documents it does not state that an appraisal is required.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I opened a city priority account which requires a minimum Balance XXXX to avoid the monthly service charge, I was told by a banker that they would be able to transfer my brokage account that has a balance of XXXX, the process never happened that way, i initially opened the account with XXXX dollars but it was closed and i was charged XXXX dollars for each month the account was never in use as i was waiting for the transfer from the banker I spoke with, at this point i would like to get a refund of all my fees that equal to XXXX dollars was told that of the account was open they would be able to give me the cash but because it was not open that they would not be able to i am hoping that you can get involved to help thank you
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

In XXXX of 2020, a collection account of {$2600.00} from XXXX XXXX  XXXX being collected by NCB Management services showed up on my credit report. I have never Never used XXXX XXXX XXXX and before this collection account appeared, I had never even heard of them. I've tried disputing the collection account via XXXX  twice with no success and I've tried reaching out to both companies with no response. At this point, I have no idea how to remove this debt that does not belong to me from my credit report.