davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (SC)

I accepted a new credit card offer for an American Airlines AAdvantage Platinum Select Mastercard from Citi in XX/XX/2019. The card offered a select # of bonus airline miles if a specific amount was charged on the card within the first few months of having it. 

I set up all of my credit to be paid in full on a monthly basis via auto-draft and did the same with this card and set about using to earn the bonus miles. 

In XX/XX/XXXXI received a call from Citi stating that my account was past due and requesting payment. I notified them of their error in not drafting my account and authorized an ACH transfer for past due and outstanding credit charges with the representative noting an auto-draft for the full amount outstanding would take place at next billing cycle in XX/XX/XXXX, leaving a XXXX  balance. 

In XX/XX/XXXX, the total amount due ( both credit and finance charges ) was auto-drafted and I made call to close the account only to be notified that there was an additional finance charge, not disclosed in the XX/XX/XXXX statement ( which showed payment in full for all outstanding balance ). 

My request that this charge be removed was declined by Citi. My requests to speak to a superior or other authority were also declined. 

I accuse Citi of failing to honor customers ' requests to auto-draft charges in full on billing cycle basis in order to generate fraudulent interest charges.
Consumer complaint received 2020-01-18
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. (AZ)

This situation started about a year ago when I noticed that Experian was not showing my XXXX XXXX credit card reporting information and my credit score had dropped. I quickly notified Experian and submitted a Dispute along with my incorrect Birth Date. The birth date was corrected after numerous submissions of disputes. However, the reporting of my XXXX XXXX account was not. I spoke to a lady at Experian and she stated that I had to contact XXXX XXXX and have them submit a re-instatement form. I immediately did contact CardServices at XXXX XXXX and the representative stated that they always submit my reporting to all three agencies. I explained to her that Experian is not getting them and if they would please help me. She again stated that I had to contact Experian, but also gave me an address for XXXX XXXX Consumer Recovery Depart. ( see Attached ), I followed up by sending them a dispute on XX/XX/XXXX, for which I have not received an answer. I also send another dispute to Experian on XX/XX/XXXX. So now I am being bounced from Experian to XXXX XXXX  and no one will assume responsibility to fix the situation of just simply reporting my XXXX credit card payment history. I have no problem with XXXX or XXXX, they report accurately. 
On XX/XX/XXXX, I finally received a letter from Experian stating that my dispute under report # XXXX was completed and to my surprise, they stated that the reinvestigation results indicate that the " Item Disputed are NOT currently Displaying on your Personal Credit Report " and that I have to submit a dispute so they can send it to XX/XX/ .. I am being bounced again and really need your help and guidance.
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Please see complaint XXXX. I have received notices XX/XX/XXXX from Loan Care regarding my loan after I filed complaint on XX/XX/XXXX ; The letter is dated XX/XX/XXXX and it arrived in an envelope without the post mark date, so I thought it was odd that I received it XX/XX/XXXX. It discloses the escrow break down and after reviewing it, it appears it was addressing my first mortgage and the second mortgage is no longer the topic. Please see the statements that states that I was behind on the first mortgage. However, the XXXX was to be removed along with additional fees as I faxed a letter to XXXX XXXX along with proof from XXXX  of forgiveness letter and Lost Note Affidavit. I am wondering if this was address after faxing my complaint because I also tried contacting the third party XXXX XXXX regarding the purchase from public auction and received no answer. Also, I am not able to talk to XXXX XXXX 's office as email stated not to contact them. To date, I have received statements from two different companies with same loan number. According to XXXX XXXX 's, I am to receive a new loan number and I was not to be in their system until XX/XX/XXXX-XX/XX/XXXX, so why did I start receiving statements in XX/XX/XXXX after I was transferred to the bankruptcy department at Loan Care? I  am wondering if they were waiting on my bankruptcy to drop so they can foreclose, but I was trying to correct my loan which is why I join the " class action law suit. '' XXXX XXXX was not helping, so this has been a problem with my chapter XXXX bankruptcy because they do not have the debt information or the correct company holding my loan. My sons and I have been in this house for going on 20 years and ever since XXXX loss my note in XX/XX/XXXX, it has been public record and people have the ability to gamble with my home. I do not know anything about my payments and I have not for years because it has been transferred so many times and no one has addressed this major issue. HOW MUCH IS MY HOME? I saw an attorney who is doing investigating and was pleased that I have CFPB involved because they want more people involved with this matter. I have given them permission to contact the parties involved. Please help me with this new matter along with the previous complaints with other parties.
Consumer complaint received 2020-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW BOTH ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE TWO ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Master Card continues to make an adjustment to my account that I have already paid. This charge of {$1500.00} was originally made onXX/XX/ for a catering event onXX/XX/. I paid this bill in full. The vendor recharged me on XX/XX/. I called Capital One to report this as a duplicate billing and was given credit. 
On XX/XX/, I was billed for this 3 more times, again I called and was given credit. 

Capital One continues to make an re-bill adjustment, claiming they have given me an extra credit. I called on XX/XX/ and thought this was finally handled and received a letter that Capital One had made a mistake and were correcting the issue. 
This letter is dated XX/XX/ from XXXX   RE:XXXX/Case # XXXX. 

On XX/XX/ my statement shows this charge again. I have called to get this removed but Capital One says that I still owe it. I do not and will not pay it.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have a recording of the representative at XXXX that I spoke with in XXXX who handled the refinance and assured me that the new payment plan would not result in any derogatory marks on my credit report and that I had addressed the hardship just in time to prevent any derogatory marks on my credit report. When I asked for the recording ; the supervisor refused to provide me a copy. I will be filing with FTC and/or CFPB so that they can demand the copy. I XXXX XXXX XXXX in XXXX XXXX the end of XXXX ; which left me off work for most of XXXX. I now have a XXXX XXXX and XXXX XXXX  in my XXXX XXXX. XXXX  was fully aware of the hardship and agreed to work with me. This was sneaky and deceitful - borderline FRAUD! 


XXXX XXXX
Consumer complaint received 2020-01-18
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: Ascendium Education Group (WA)

I recently applied for a home loan and discovered a collection account from Ascendium. I had finished paying off this account through garnishment in XXXX and was told the debt was satisfied and that the negative reporting would be removed. Not only is the account still reporting but is reporting a balance with late payment history as recent as XXXX. I believe this reporting is the result of an error or oversight but am unable to find anyone within the company able or willing to address this issue.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (CA)

on the XX/XX/XXXX I called social security which social security told me that direct Express has my payment since XX/XX/2019 I have yet to receive my card. Every time I call they can not verify my account not only that I sent in my identification twice and still have yet to receive my card I paid {$27.00} to have a extradited twice by XXXX is still haven't received my card my whole social security check is on this card and have not received my card please I need a solution
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

A transfer of my mortgage occurred in XX/XX/2019, payments made to the account should have been posted to just what was included in a previous estimated escrow account just including ins. Not taxes. Something is truly wrong. Projections for another year is not right. No modification occurred. I have not agreed to pay anything they have not billed. Their bill to me shows a different activity on their system of the projections I have attached. Please verify. These activities are done after I had mailed a required payment.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (FL)

I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

I tried to open an LOWE 'S Credit Card. LOWE 'S sent me a letter asking for more information. I called LOWE 'S credit department. I was told that someone stole my ID. LOWE 'S is mailing legal paperwork for more information. I have to prove my ID. I checked all four Credit reporting services. No problems found. Why did LOWE 'S lie to me?
Consumer complaint received 2020-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has erroneously stated that they has detected " fraud use '' on my credit card. I have verified that there is no fraudulent use. I was traveling in XXXX and ordered an XXXX using my XXXX app. I received a text from Capital One that they suspected fraud. I replied by text that the charge was legitimate. I received an email in which I replied that the charge was not fraud. My card became blocked while out of the country. I had reservations and other charges not no through. I called Capital One at least 10 times to rectify this situation. 

My complaint to investigate Capital One in their egregious procedures. They requested that I send proof of my idetify in which I had to upload my 2018 W2 forms, my XXXX XXXX XXXX  XXXX XXXX and XXXX statement and my CA driver 's license. They stated that I failed to send in the back side of my driver 's license. I proceeded to send in the back side of my driver 's license. A week later they stated I needed to upload my social security card. I uploaded a legible copy of my social security card and US passport. 

Ultimately Capital One has declined my request to unblock my card. They claim that my legitimate social security card was illegible. 

Capital One 's tactics are invasive, discriminatory and flagrantly in violation if my card member 's rights. I would like the CFPB to investigate all activities and actions by Capital One in their erroneous claim that my card was fraudulently used after my repeated attempts to clearly state by phone and uploads that NO fraud had occurred. S card holder must be able to challenge a computer modeled fraud alert and claim that no fraud has occurred. Capital One has denied me and others the rights to challenge their false beliefs that fraud has occurred.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

The credit card was opened for my Company, XXXX XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX XXXX XXXX in XX/XX/XXXX to contact Capitol One to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for Capitol One admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Creditrepair.com, Inc. (NY)

CreditRepair.com are a bunch of absolute scumbags. I went to them for help and they stole money from me. I went to sign up and was told in 30 days I would be charged {$99.00}. Instead they took out {$200.00} the next morning ... and refuse to give me the full refund. I have called both XXXX AND CreditRepair.com and both have been complete XXXX. XXXX said there is nothing they can do and CreditRepair.com swore to pay me back in full and have refused. To just put you into perspective of how infuriated I am ... I've called about this every 2 days and today CreditRepair.com made me wait an HOUR AND A HALF ... on the phone and not one person answered. Also they never reply to emails, live chats or even XXXX. They are complete XXXX  and I want my money back. And XXXX? Thanks a lot for doing literally nothing to protect me from fraud, why am I a customer again? Congrats I'm not anymore. No files are attached below because CreditRepair.com never sent me proof of the conversation confirming the full refund. Huge Surprise.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (GA)

I had a American Express card opened in someone elses name and auto payments taken from my personal account. XXXX XXXX  recovered XXXX of the payments and told me that American Express was liable for the remainder of the amount that the person took from my account via ACH payments. American Express stated that they could not tell myself or the police that are running an investigation who the person was andvthat i have to take the lost money as a loss. I would like for them to : 1. Inform thr police of the person on the card 2. Re efund my monies - XXXX that were taken from my account to pay for this card 3. I assumed thr payments were for my card and American Express closed my sccount for lack of payment. This has ruined my credit and i would like my credit cleared from these account going into default. 

If the money was applied from my account to my cards directly i would still have a higher credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (IN)

We have a mortgage with PHH ( was with Ocwen up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our XXXX XXXX, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Consumer complaint received 2020-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I WRECKED MY CAR ON XX/XX/XXXX. I DECIDED TO GET A NEW ONE. I WAS DENIED FOR FINANCING I OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM ON XX/XX/XXXX ( ATTACHMENT A ) UPON REVIEW I NOTICED SEVERAL ERRORS ON MY REPORT. I THUS DID CONSUMER RESEARCH AND FOUND I HAD RECORSE BY CONTACTING THE BUREAU AND FILING A DISPUTE. I COMPILED ALL THE ERRORS I HAD ON MY REPORT, PERSONALLY CRAFTED A DISPUTE LETTER ( ATTACHMENT B ) AND SENT THEM TO EXPERIAN VIA CERTIFIED MAIL ON XX/XX/XXXX EXPERIAN RECEIVED MY DISPUTES ON XX/XX/XXXX. ( ATTACHMENT C ) ACCORDING TO FEDERAL LAW ( FCRA ) AND STATE LAW ( LOUISIANA REVISED STATUTES TIT. 9, 3571.1. ) THE CREDIT BURUEA HAS 30 DAYS FROM THE DATE OF THE DISPUTED INFORMATION TO VERIFY ITS ACCURACY WITH THE DATA FURNISHER AND UPDATE THE REPORT. 
ON XX/XX/XXXX EXPERIAN WROTE ME A LETTER SAYING THAT MY DISPUTES WERE NOT INITIATED BECAUSE THEY THOUGH THAT MY DISPUTES WERE NOT INITIATED BY ME. I RECEIVED THE LETTER ON XX/XX/XXXX ( ATTACHMENT D ) I ATTEST THAT ABSOLUTELY NOTHING IN MY LETTER COULD REASONABLY GIVE RISE TO THE SUSPICION THAT IT WAS NOT SENT BY ME. THE CLASSIFICATION OF MY LETTER AS " SUSPICIOUS '' IS AN INCREDIBLE STRETCH OF THE TERM. EXPERIAN HAD NO QUALMS GRANTING MY REQUEST FOR A COPY OF THE CREDIT REPORT THAT GENERATED THE DISPUTE WHEN GIVEN THE EXACT SAME IDENTIFICATION INFORMATION. I DID IN FACT WRITE THE LETTER IN QUESTION WITHOUT ASSISTANCE FROM A THIRD PARTY. I DEEM THAT THIS IS AN ATTEMPT TO CIRCUMVENT THE STATUTORY INVESTIGATION PERIOD DEFINED BY THE FCRA AND LOUISIANA REVISED STATUTES TIT. 9, 3571.1.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. 
I have never had any account with either mobile phone company. My sister used my information twice  and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.
Consumer complaint received 2020-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.
Consumer complaint received 2019-04-04
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. (GA)

On XX/XX/XXXX and XXXX, XX/XX/2019a company by the name " XXXX XXXX XXXX '' just popped up on my XXXX, Equifax, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.