davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I closed credit card account with Citi Bank but they charged me an interest rate and late fee along 3 months after. On XX/XX/XXXX I called Citi Bank to close my account ( my due date is XXXX of each month ). I choose to call to make sure that I paid all the interest charges associated with my card in full. I asked representative if I should expect any additional charges and representative responded that I paid the full amount and account is closed. 3 months later I received the phone call from Citi Bank notifying that I own {$120.00}. Apparently, Citi Bank charged my account an interest fee on XX/XX/XXXX and late fee of {$35.00} each month since then. I called Citi Bank and explained that on XX/XX/XXXX my account has been paid in full and closed but they insisted that I must made a payment to avoid additional late fee. I also informed them that I purposefully called in to make sure that I paid everything in full upon closing my account and representative told me that I should not expect any additional charges. Even though they acknowledged that they did a mistake by not informing me about interest fee that is going to be calculated only on XX/XX/XXXX, they rejected to retrieve a late fee. I agree to pay interest rate but it is a burden for me to pay all of their late fee charges that I believe to be unethical.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
Consumer complaint received 2018-06-03
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. (FL)

Before and during my marriage, I was added to my wife 's CHASE credit card as an authorized user. She has had the account in her name since XX/XX/XXXX while I was added on sometime between XX/XX/XXXX-XX/XX/XXXX. Since XX/XX/XXXX we have been divorced with no contact. I am unable to remove her delinquent accounts from my credit reports and am unable to find resolution through CHASE credit card company due to the fact I have no other information than our names.
Consumer complaint received 2018-06-05
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. (CA)

XXXX Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and XXXX. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call XXXX you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IN)

XXXX XXXX has placed a charge off on my credit report for {$150.00} I have tried to contact them and find out what is going on and all they keep asking for is full payment on this debt, it it apparently 3 1/2 years old and Im just now finding out about it. I asked for a letter stating they would remove it from my credit report if I paid it in full and was told that is not possible and then was hung up on after asking why it wasnt possible.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company ( Portfolio Recovery Associates ) has been sending numerous letters about this debt that I have never owned. I have sent debt validation letters to this company, however they reply with a bill. I sent a certified letter XX/XX/XXXX The responded XX/XX/XXXXwith accounts and the amount owed. The company is claiming I have 3 accounts with them of the amounts {$680.00}, {$490.00}, and {$1900.00}.
Consumer complaint received 2018-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have sent 3 requests to have inaccurate dismissed bankruptcies removed from my Experian report, along with a letter from the US Clerk of Courts verifying that they did not provide this information to Experian. I sent a letter dated XX/XX/XXXXand XX/XX/XXXX with an unverified response, another letter on XX/XX/XXXX and I have not received any response to this letter and it has been more than 30 days. Experian has not provided any proof verification of the validity of these dismissed bankruptcies. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/18 I received a XXXX credit card in which I didnt apply for. Called bank and stated this was not my account and the said it had been used for a purchase of XXXX dollars. They are reporting the account as fraud and closing account.
Consumer complaint received 2018-06-05
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: AMERICAN EXPRESS COMPANY (UT)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with American Express and XXXX. While no accounts were established the application left fraudulent inquiries on her credit reports from both American Express and XXXX. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.
Consumer complaint received 2018-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE INFORMED TRANSUNION OF INCORRECT ACCOUNTS REPORTING ONTO MY CREDIT FILE YET THEY STILL CONTINUE TO REPORT ACCOUNTS THAT MAY HAVE BEEN OPEN DUE TO IDENTITY THEFT. I HAVE INFORMED TRANSUNION THAT I AM A VICTIM OF IDENTITY THEFT AND ALSO HAVE SENT IN SUPPORTING DOCUMENTS YET ACCOUNTS SUCH AS XXXX WITH THE AMOUNT OF {$420.00}, A MEDICAL ACCOUNT WITH THE AMOUNT OF {$65.00}, 2 ACCOUNTS FROM XXXX XXXX IN THE AMOUNTS OF {$530.00} AND {$280.00} WITH THE SAME ACCOUNT NUMBERS, AND AD XXXX XXXX IN THE AMOUNT OF {$700.00} STILL APPEAR ON MY FILE THAT I DID NOT AUTHORIZE OR DO ANY BUSINESS WITH. THESE COMPANIES CANT EVEN PRODUCE A CONTRACT BEARING MY SIGNATURE SO HOW IN THE HECK ARE THEY VERIFYING IT WITH TRANSUNION. THESE ACCOUNTS ARE A RESULT IF IDENTITY THEFT.
Consumer complaint received 2018-06-05
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. (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX  with no successful resolution. XXXX  and TransUnion only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-06-04
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. (CO)

On XX/XX/XXXX, we attempted to pay for airport parking my card with a {$12000.00} limit was declined. Upon contacting the creditor ( XXXX XXXX ), I was informed that TransUnion sent a letter to them stating I was overextended. I was never informed of any action like this. Now, upon contacting TransUnion, they disavow any knowledge of ever having done this and that all they do is monitor credit. Why would the creditor tell me TransUnion sent them this letter? The creditor told me my credit limit was decreased from {$12000.00} to {$2500.00} leaving {$11.00} in available credit. Additionally, I received a letter from XXXX XXXX XXXX stating the same thing. XXXX XXXX XXXX closed my account without cause. I have never been late or ever done anything wrong to anyone involved in this complaint. The only equitable solution for me would be to reinstate these cards. I am getting notifications like this daily now.
Consumer complaint received 2018-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Karma (FL)

XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My home I have owned for 13 years is set to be auctioned by Select Portfolio Servicing on XX/XX/XXXX. I live in the home with my adult daughter and we can afford a fair mortgage payment so this situation is avoidable. We actually were offered a modification by Select Portfolio Servicing and made our payments for six months. We then received paperwork that we were approved for a permanent modification, however, the loan balance increased significantly and the payment was also much higher than the original modification. We could not figure out how they came up with these numbers based on our income. We were not able to afford that payment and had to decline the offer. We asked why we had not been considered for any of the new GSE programs available to homeowners with conventional loans backed by XXXX XXXX and XXXX XXXX but could not get any answers. We then hired a law firm to help us and once again, we eventually received an offer, but this new payment was close to 80 % of our monthly income and not affordable. We tried to get answers as to how this was calculated and what programs we had been reviewed for but could make no progress. 

This loan was originated by XXXX back in XX/XX/XXXX. I wanted to lower my rate and payment and had to trust XXXX because I spoke little English at that time ( was primarily XXXX speaker ). There were many things that seemed odd and rushed about the loan process ( I have a lot of questions about the appraisal and value ) and based on what XXXX did to inflate values and peddle predatory loans this all made sense. 

I paid as agreed on this loan for nearly 10 years. I work as a XXXX XXXX to XXXX XXXX and my adult daughter also lives with me and contributes 100 % of her income toward the household expenses. Due to some health and employment gap issues we fell behind in XX/XX/XXXX. Around that same time our loan was transferred from XXXX XXXX XXXX to Select Portfolio Servicing. We got all of our financial information together and submitted it to them and were given a fair and reasonable trial modification. I made 6 payments on the trial modification as agreed but when I received the final permanent modification documents the balance of the loan had been significantly increased as well as the monthly payment which was close to half of our monthly income. We were not able to afford this payment and had to engage a law firm to assist us. They sent in another application and we were once again approved but this time the payment was even higher than before. 

We have since tried to engage with SPS to find out how and why they came up with these calculations and also find out what programs we were considered for. I don't believe that we were considered for any of the new GSE programs that were established to help homeowners. Instead of getting answers we are being denied information and denied access to a review of our current and correct financial circumstances. We are facing a sale date on XX/XX/XXXX.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NV)

I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-05
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. (PA)

I have made several attempts in clearing up all inaccuracies on my credit report. My name, address, social security number, inquiries, accounts and telephone number. I have called and sent in letters. I have one name, one social security number, one address, one telephone number. Inaccurate accounts. false inquiries.
Consumer complaint received 2018-06-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MT)

I am a XXXX XXXX assisting my client ( XXXX XXXX, loan # XXXX ) through the process of correcting his default on his mortgage loan. Our company has tried several time to get vendor paperwork completed in order to submit payment on our client behalf. 

On XX/XX/XXXX ; 2nd party authorization was sent along with vendor paperwork via fax and email. 

Beginning of XX/XX/XXXX, I called to verify that the paperwork was received by LoanCare. The agent who I spoke to stated that the paper work was received and would be 7 - 10 business days to process. 

In addition, XXXX XXXX submitted his regular payment, which was returned to him without explanation. 

XX/XX/XXXX ; I called to follow up with the paperwork that was sent as our company hadn't received a response. XXXX at LoanCare stated that the paperwork must have gotten mistaken as just the 2nd party authorization. She also stated that there was no notes entered for the conversation that took place at the beginning of XX/XX/XXXX. She resubmitted the vendor paperwork and stated that it will take 2-3 business days. 
I also addressed the question of why his payment was returned to him. The response was that LoanCare will only accept no less than half the amount owed, approximately {$4000.00}. 

XX/XX/XXXX - I called LoanCare to follow up with the Vendor paperwork that was resubmitted by XXXX at LoanCare. They couldn't find where the paperwork was submitted. I asked what I had to do to submit it. I emailed the paperwork to XXXX and received a email response that gave me a reference/ticket number : XXXX. 

XX/XX/XXXX - I called LoanCare to follow up with the vendor paperwork that I submitted on XX/XX/XXXX. The agent who answered ( Agent ID # XXXX ) verified the loan #, address, etc. of client I was calling for, and also verified other party authorization. I asked her about the paperwork that submitted in order for our company to send in payment, she put me on hold. 
At XXXX, another agent for on the phone and went through the whole verification process, only she didn't find the other party authorization. I stated when we sent that in and that I have been authorized previously. She put me on hold. 
33 minutes into the call, XXXX # XXXX answered and went through the verification process and other party authorization. She stated that the company name was entered wrong on the attachments and that maybe why I wasn't authorized. After explaining once again why I was calling, she put me on hold to see if she could get a customer support representative on the line to assist me. She did check on me twice while on hold. 
After 1 hour and 5 minutes, I still did not receive any clarification or answers. XXXX did forward my information to her manager, XXXX to look over.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NV)

I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and US BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX XXXX
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Contacted this company back in XX/XX/2017 about debt of XXXX and ask the company for proof that I owed them this money the representative was very nasty to me and said I need to learn how to take care of my debt and I said I dont owe u all this money I ask for them to send me a copy of the use on the card and they sent me a copyed bill with just the amount of XXXX and not what the card was used for than three days later the company kept calling me asking me when am I going to pay the debt I said u all did not provide me with proof of XXXX used their was no trans actions for this kind of money and the ladie said thats not my problem thats your and we will find out who you work for and garnish your check
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (AL)

I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.