davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CT)

I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AR)

My mortgage servicer has been changed from XXXX to Nationstar Mortgage. I received my XX/XX/XXXX statement yesterday, XXXX XXXX, 2015. I called to make sure they got my payment, and they said they did. I asked when they would be mailing me my next statement and was told on XXXX XXXX. I told them I believe I 'm supposed to get the statement prior to XX/XX/XXXX and I asked to have legal council call me. I was put on hold and I eventually hung up. I do n't believe they know what the laws are and I want to receive my statement on time.
Consumer complaint received 2024-08-26
Product: Credit reporting 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. (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. They are hard inquires that were not done by me 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 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
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/15, I purchased several items of clothing online from Macy 's with my Macy 's credit card. On XXXX, I returned XXXX items via XXXX and requested ( online ) that my credit card be credited for the total ( {$130.00} ). Macy 's instead sent me gift cards for that amount. I returned the gift cards on XXXX and again requested that my credit card be credited. When my bill arrived, the amount had not been credited. I placed XXXX phone calls in XXXX to Macy 's customer service dept. and was informed on both occasions that the outstanding amount would be credited. It was not and I was charged interest on that amount. In XXXX, I made an online written complaint to Macy 's customer service and XXXX weeks later was informed via email that the interest alone ( about {$3.00} ) would be credited and it was. I received a bill shortly thereafter ( attached ) in which I still have an outstanding balance of {$130.00} and have now been charged an additional {$5.00} in interest. I wrote Macy 's again online XXXX days ago and have not received a response. My Macy 's bill is due XXXX XXXX.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC (AL)

We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!
Consumer complaint received 2015-06-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MA)

Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$8400.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (GA)

World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2015-07-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

My house is in Foreclosure and I was served the complaint on XX/XX/2015. I have XXXX loans on the property. XXXX has the XXXX main mortgage loan and Chase has the XXXX Loan. The house was in Short Sale prior the foreclosure started. I had XXXX contracts on the house for a Short Sale and XXXX would n't accept the offers so the people walked. XXXX offered me a DIL ( Keys For Cash ) I accepted the DIL offer from XXXX and moved out of the house on XXXX/XXXX/15 and turned the keys over to XXXX. THE HOUSE IS VACANT. Chase has a lien on the title and XXXX sent the approval DIL on XXXX/XXXX/15 letter the settlement of XXXX would go to Chase. I faxed the XXXX letter to Chase on XXXX/XXXX/15. Since XXXX/XXXX/15 I have called Chase every XXXX days since to try to get my loan resolved of going to the settlement department and each time I have called I have been getting the run around and no one is assigned to my loan to speak to about it. XXXX needs the wiring info to send them them the XXXX and release the lien. Chase keeps telling me I have to send paper work such as a loss mit package, hardship letter, bank statements and paycheck stubs. I advised them several times I do n't want loss mitigation as I am not living there and I moved into an apartment. Each time I call no one can tell me or advise who can help me. As a matter a fact several customer service agents advised me that there is nothing they can do for me and the loan is simply inactive. I asked them how did you come up with this theory that you ca n't help they said the supervisor told them to tell me that. I have escalated my calls and a supervisor at Chase to call me back and said I have to fill out loss mit papers and it can take up to a year for loss mitigation approval. I explained to them and faxed over letters I do n't want loss mitigation I do n't live there and there is a settlement from the first mortgagor. They advised that 's all they can do. They advised me and said XXXX is not good enough for this loan. I advised them under the XXXX XXXX Guidlines of the government for an approved DIL XXXX is what is paid to the XXXX lien holder. They advised to me still not enough and they want XXXX the amount of loan. In the mean time of all this there is an XXXX fee of XXXX I 'm paying on a house I do n't live in and I ca n't afford paying this due to the run around conversations I am having with Chase. I signed a 3rd party authorization for Chase so they can speak to XXXX XXXX at XXXX to get this matter resolved. XXXX XXXX advised me when she tries to call they refuse to talk to her because she is not on the loan but I signed a 3rd party authorization. The bottom line is since XXXX/XXXX/15 I have not gotten anything resolved issue with Chase and the several phone calls I am making and getting no where with them. I find this unacceptable and against the law for treating me this way and not helping me getting this DIL settlement resolved.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (ME)

Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an invalid and prematurely placed lien reporting in the public records section of my file. A TAX lien labeled under ID # XXXX needs to be removed. I have repeatedly disputed this account because it has been removed from my name and is no longer on my file in the county and federal courts. this lien was accidentally placed and is no longer valid nor has been valid for years now. I keep relaying this information to TransUnion to remove it but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that it is NO LONGER ON FILE and not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (CA)

Ive received my 3rd communication from Credence Resource Management LLC for an ambulance debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the XXXX company and found out the person XXXX was XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up XXXX, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage XXXX. I want this company to remove my miaden name and address from their files and stop trying to collect from me.