davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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. (LA)

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( XXXX XXXX ) can not take care of this which led him to give me information to sum it up with Experian. After calling Experian, they insisted that XXXX XXXX would have to write a request to Experian on behalf of the incident. I already have a secured account with XXXX XXXX as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX unlimited account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with XXXX XXXX the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to Experian I still had XXXX XXXX one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
Consumer complaint received 2018-01-10
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 disputed a account on my credit report which is a XXXX card that Experian is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. Experian will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Experian Address is XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Was applying to have my name added to my mother 's mortgage and amazingly, was rejected. Here are the facts. I work for a XXXX XXXX company, make well over {$68000.00} a year, have a 700+ credit score, and have a car that 's fully paid off worth about {$14000.00}, and have {$56000.00} sitting in a B of A bank, the bank that turned me down. Moreover, we had $ XXXX in equity in the home so if we didnt pay, the bank would still get all its money back and more. 

My mother also has good credit, receives about {$2100.00} a month from SS, and has {$13000.00} sitting in just one of her bank accounts and thousands more sitting in others. 

Here 's why we got rejected. XXXX XXXX, the B of A rep, underreported my income by about 50 %, did n't even come close to listing all of my assets or my mother 's, listed the house as having been bought in XX/XX/XXXX, instead of XX/XX/XXXX, listed the purchase price as {$100000.00} instead of as {$79000.00}, had the wrong address on the loan, and charged me $ 500+ for an appraisal that never took place and which she originally was not going to refund. XXXX also listed my marital status as single, a lower credit rating, instead of married, a higher credit rating. Nor did she even ask about my wife 's income -about {$45000.00} a year. I emailed her several times telling her of these discrepancies, but she insisted I just follow her instructions and everything would be alright. Well, it was n't. The loan got rejected. 

I have several emails documenting my corrections of XXXX 's data and of XXXX 's insisting I just submit the paperwork as it was. Attached is but one of them. If need be, I will gladly submit the rest. This one, however, seems to say it all.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (GA)

Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.
Consumer complaint received 2018-10-27
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. (MO)

The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX   XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) Transunion ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-10-27
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. (MO)

The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Consumer complaint received 2018-01-11
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. (MN)

XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MT)

Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. 

I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. 

I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}
Consumer complaint received 2018-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (MO)

This company is trying to collect { {$890.00} } from me for a debt they claim I owe. I have disputed thIs demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill and an agreement from another company that does not bear an actual signature, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-10-26
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: JPMORGAN CHASE & CO. (MO)

I keep getting inquiries from Chase Bank about a credit card application. The dates are, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I called Chase in XX/XX/XXXX, after receiving the second notice that I had been denied credit that I had not applied for. They told me that I would have to wait 60 days to have this inquiry removed my credit report and that would notate a potential fraud alert in the future. When I called them a second time, someone from their fraud division spoke with me and said he would submit the information to the credit bureau again. The third time I called them, I was told that Chase could not control or stop the application inquiry because they had no way of identifying me when an application is submitted. It seems obvious to me that these applications are being done online through XXXX, which is the type of Visa card someone is trying to obtain. I am exasperated and don't know what else I can do to stop this. My credit was already below standard and I am trying to build my credit score up and these inquiries are bringing it down even more than it was before. The credit bureau has done nothing either ; after I called them and told them the problem.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I applied for a secured credit card with USAA bank with a written agreement that I could not only use it to improve my credit score, but to also increase my savings by adding funds to the Certificate of Deposit which the card is connected to whenever I pleased. Even though it runs off of a Certificate of Deposit which I paid into, they still ran my credit, then they charged me a fee, only to then tell me that I may no longer add funds to the CD as agreed to originally due to a " banking decision '', which is a vague and undescriptive response. 

Now I am stuck with a CD that I can not increase, as to the original agreement, a laughable credit limit, a hit to my credit score, and in order for me to start another secured card with another agency I would have to suffer yet another hit on my credit. 

Is it legal for a bank to back out of a product after they have already established an agreement??
Consumer complaint received 2018-01-11
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. (FL)

I have XXXX account on my experian and XXXX credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On Experian is shows date of removal being XX/XX/XXXX while XXXX shows XX/XX/XXXX. XX/XX/XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, Experian shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX Experian is showing No data and XXXX is reporting 30 days late, Experian high balance is {$0.00} and XXXX shows {$89000.00} and XXXX never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I initiated a wire transfer from my Coinbase account to my bank account in the amount of {$17000.00}. I had successfully completed similar Coinbase wire transfers between these exact accounts previously. Coinbase removed the funds from my Coinbase account and provided the following message : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$17000.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$17000.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' It is XX/XX/XXXX and the funds have not arrived in my bank account. I contacted Coinbase support several times via email, and have not received a response. 

It seems likely that Coinbase has stolen my funds.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

In XXXX of 2017 I was switching from my old provider to XXXX who provides a bundled package with XXXX XXXX. Upon an in depth review of my Equifax credit report I noticed that I was hit with TWO hard inquiries from XXXX within six days of one another. One on XX/XX/XXXX and one on XX/XX/XXXX. It's TV service, it gets shut off if you don't pay, I don't see any reason whatsoever why TWO hard inquiries would be necessary in one week. I have attempted to contact both XXXX and XXXX, but they both blame each other and ping pong me back and forth without taking any responsibility. This, obviously, directly impacts my credit score and I would like to see one of these hard inquiries removed.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi I initiated a balance transfer from my HSBC credit card on XX/XX/XXXX for {$4500.00}, with the intent of transferring the money to another card of mine with XXXX XXXX. It is not XX/XX/XXXX. 

The {$4500.00} balance has yet to show up on the XXXX XXXX card. My complaint is twofold : 1. I  have repeatedly called HSBC for clarity and received no response. I have a Premier Relationship Manager who has not helped. I see this as my only alternative. 
2. I am being charged interest on my HSBC credit card for the balance transfer, but am not receiving the interest reduction on my XXXX. With no clarity on when the transfer will occur ( i have been told multiple time frames ), I do not know when I will get the benefit on my XXXX. Delay in applying the balance transfer is a misrepresentation and dishonest ( and hopefully illegal ). 

Thanks XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I retained a copy of my credit report and saw a derogatory mark for a collection in the sum of {$1700.00} from XXXX XXXX representing XXXX. I sent a formal letter to XXXX XXXX   disputing the collection and requesting " validation '' ; that is competent evidence bearing my signature on a contract. 
XXXX XXXX failed to provided me with a copy of any alleged contract or viable evidence, bearing my signature, showing the account is being reported accurately. 
I stated in my letter the debt is inaccurate and failure to " validate '' should result in deletion of debt on my credit reports.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. 

We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. 

We did everything the new servicing company requested Bayview Loan Servicing. 
We are fighting to save our home. Please help us. 

Thank You XXXX XXXX
Consumer complaint received 2018-01-11
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. (MO)

I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
Consumer complaint received 2018-01-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.