davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.
Consumer complaint received 2018-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (MD)

ACCOUNT IS SHOWING ON MY XXXX  REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-01-30
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. (MD)

I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made. 

I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due. 

In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted. 

I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a Capital One credit card for some time as other 's but ItIs the first time I have noticed that I'm been charged for fee 's and Interest charged on purchases, I alWAYS PAY MORE THAN THE MINIMUM PAYMENT, Since last year I began to see these charges, none of my other cards have I seen this practice so far including a member fee of {$39.00}, and other charges on purchasing from {$42.00} to {$38.00} every time I make a purchase 's At this rate I will never pay down my principal. 

To this date there has been a total including Member fee of {$270.00} since I never looked at previous statement I just paid my payment there could have been many charges n previous years, I would like my money back and this form of Business to stop.
Consumer complaint received 2018-01-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
Consumer complaint received 2018-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND  A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have checked my credit report and I have discovered fraudulent infomation being reported on it, I have found fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-01-30
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. (MS)

I have previously sent letters requesting verification of debt to XXXX XXXX XXXX XXXX XXXX XXXX immediately after noticing the new collection on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Experian with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Experian send me the documentation that was sent that convinced them to verify the debt. Experian responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX was unable to verify the collection so it was immediately removed. However, Experian refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I've had a student loan since 2002 with an original amount of {$34000.00} between two consolidation loans. I currently owe {$43000.00}. I've used the maximum amount of deferment and forbearances due to financial hardships. I wasn't advised that income based payments were an option, and as a result, 16 years later I owe {$8400.00} more than when I started. I've been charged {$950.00} in fees and {$11000.00} in capitalized interest. I've made a total of {$17000.00} in payments with only {$3500.00} making to principal. I think my loan provider has unlawfully advised me and unlawfully acted so that I would pay more for a longer period. I believe these actions to be predator in nature.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I was forced into forebearance, rather than being given repayment options right away. I was left in the dark to increase interest. I have not worked in 2 years, and the company knows this, but still accrues interest, when I can not pay it back. Where is the assistance I was allegedly promised when I undertook this student loan scam? I've been harassed, treated poorly, and avoided to increase my debt.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and  and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I  received a letter from the United States Bankruptcy Court stating  that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. I would like to have the judgement removed  immediately   to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COLLECTRON, INC. (GA)

Today, Tuesday, XX/XX/XXXX, I received a call at work from Collectron a company in XXXX, GA attempting to collect a debt from a company that I had not heard of ( XXXX XXXX  ). I asked if it was a doctor 's office and which Doctor it was for. They were not able to tell me. I also asked that they not call my work number and asked to have a detailed bill sent to my current address. I was told that they were not able to send anything until I made a payment. After I refused to do so I was transferred to the caller 's " Boss '' at which time I was screamed at and told I could " do this in one of two ways '' split the payment or pay it all at once over the phone. He did not identify himself when I asked for his name. I told him that I was not able to speak t him in detail at work while he continued to scream into the phone. I hung the phone up on the caller.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX   Dollars, I had never have any business with them, and they claim I rented a property in XXXX  florida, I have never lived or rented a place in XXXX florida.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NM)

Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$100.00} Transworld systems XX/XX/XXXX {$180.00} These medical collections showed up on my credit. I had never received a bill from any doctors office. I had insurance anytime I saw a doctor and did not have any copays due at the time of visit. Ive contacted the credit company in the past to try and resolve the issue and ask for paper billing statements but have never had any luck with them.
Consumer complaint received 2018-01-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WI)

I am currently going through a divorce. Per my divorce decree ( not yet finalized ) I need to have an assumption done on my mortgage to remove my wife, XXXX XXXX XXXX XXXX XXXX, removed from my mortgage as the secondary borrower. 

I called Loancare on XX/XX/2018 and spoke with a customer service agent who told me that there was nothing that I could do and that I would have to refinance my mortgage with a different company. I then logged onto the FHA website and read him a passage that proved that he was incorrect. He then hung up on me. 

I called Loancare back on XX/XX/2018 and spoke with a customer service agent who told me that what I needed to do had to be requested in writing and provided me the email address to send my request to. 

On XX/XX/2018 I sent an email to Loancare requesting an assumption. 

On XX/XX/2018 I received a response from Loancare issuing reference number XXXX. The email requested my account number ( which I had clearly provided in my initial email ) and I replied with the requested information. 

On XX/XX/2018 I sent another email because I still had not heard anything. 

On XX/XX/2018 I called customer service and spoke with an agent who apologized, took my information, and told me that someone from that department would be in touch with me in 3-5 business days. 

On XX/XX/2018 I called customer service again and spoke with an agent who said there was no record of my call on XX/XX/18 and that they would submit the request again. 

On XX/XX/2018 I called customer service and was informed of an " unusually large call volume '' and provided my phone number for a call back when it was my turn. I never received a call back. 

On XX/XX/2018 I called customer service again and was informed of the same " unusually large call volume. '' I again provided my phone number and again I still never received a call back.