davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CA)

On XXXX XXXX XXXX, I applied for a XXXX XXXX rewards prepaid card on this website : XXXX XXXX XXXX The online system was not able to confirm my identity, so after calling their customer support team, I was told to fax a copy of my SSN and DL. On the XXXX, I faxed the document, triple checked that the fax number and card id were correct, and made sure the pictures were enlarged and brightened per their instructions. 
I called in the evening to check on the status and was told the fax was not received. I confirmed with the fax system that everything was properly sent and received. I followed up on the XXXX and XXXX, but the fax was nowhere to be found. So I had to fax it again and this time they received it. I then called many times to have them look into their system and find the missing fax, but they could n't even do it. I 'm really concerned that all my personal data is out there, and they ca n't find it. They even told me to keep an eye on my accounts to make sure nobody was using it. Nobody should ever have to fax such confidential data, especially to a service with such lax scrutiny.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these.
1. XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

Hi, In order to see your free credit report on Experian you have to submit credit card information after which they charge you {$20.00} a month for " credit monitoring. '' If you do not want credit monitoring there is no way to cancel it online and you have to call and sit on hold as long as an hour or more. 

We all as citizens are forced to deal with FICO it is not a choice, and are therefore without choice subject to using these for profit companies, in this case Experian. It is absolutely unreasonable that I should be forced into a situation where I have to wait hours on hold to not use there service that I never willfully chose in the first place. 

They are essentially exploiting consumers who they know need to check their reports by forcing them into more profitable paid services.
Consumer complaint received 2017-11-16
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 (MD)

I have had a credit card with Capital One for several years. As part of that agreement is an annual {$29.00} membership fee. The account has mostly been at a XXXX balance for the last several years. Last year I was charged the annual fee and not provided notice of that fee. They charged several {$35.00} late fees which they agreed to waive once I made the membership fee payment which I did immediately. At that time I also signed up for text message alerts for balances and payment information. I received a notice from XXXX XXXX regarding a balance on this account. When I checked online they had once again charged me the annual fee and two late fees. As soon as I logged in I received the only text message notice from them since XXXX of this year which was not in regards to the annual fee. They would not agree to waive all of the late fees nor the interest they have charged for the annual fee which again I never received any notification of being due.
Consumer complaint received 2017-11-16
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: CITIBANK, N.A. (AZ)

I had unauthorized charges on my account. I called Citi Bank 's customer service to report the charges as fraud and to dispute them. Citi Bank issued a new card upon my request. The merchant ( XXXX ) then charged me a " non-return '' fee for not return the items that were purchased fraudulently. When I called Citi Bank about this new fraudulent unauthorized charge, I was told that the original charges do not appear on my account ; they began a new dispute and I was issued a credit. Citi Bank reversed the credit 3 months later after the merchant response. Upon calling Citi Bank again I was told that my case was never sent to the fraud department and remained as a merchant dispute. I was told I was transferred to fraud/security. They advised I send a reply letter. I received an email on XX/XX/XXXX notifying me of a letter dated XX/XX/XXXX ( it took 3 days to notify me ). Citi Bank stated the charges were valid and were closing the dispute and that if I wished to continue Id need a credit slip which I dont have because the charges are fraudulent. Upon calling, I was told that my case was never transferred to the fraud/security department.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LD Holdings Group, LLC (FL)

I apply to refinance my home laon with this morgage company loandepot has a program called HARP. Harp program is for people that have mortgage problems or issues in 2007. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when loandepot person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because XXXX XXXX XXXX screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where  supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why XXXX XXXX XXXX was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
Consumer complaint received 2017-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AES/PHEAA (CA)

On XX/XX/XXXX, I received a letter from Pennsylvania Higher Education Assistance Agency ( PHEAA ) regarding a Federal Student Loan that I owed to them ( {$100000.00} ). I never applied or authorized for a student loan. I asked them for proof, which they did sent it. It was to my surprise to see my name on it. My XXXX wife ( XXXX XXXX XX/XX/XXXX ) had taken out a loan and FORGED my signature. We had been separated in the process of a divorce when she took this loan out. Date of separation was XX/XX/XXXX and the divorce was granted XX/XX/XXXX. I was living in XXXX XXXX, Ca and my XXXX wife was living in XXXX at the time of the loan. I have sent them the a copy of " XXXX Certificate ''. I then later received a letter stating that a portion of the Consolidation loan in the amount of XXXX has been discharged, but that I still owed a balance of {$30000.00}. I have advised them that I never authorized this loan, nor that the signature on the Loan Application/Promissory Note was mine, that it had been forged. They now have sent me documents that needed to be notarized, which they have verifying my signature, but now they are claiming that I need to file a Fraudulent Court Claim. My credit report shows that I owe TWO amounts : {$100000.00} and {$30000.00}. I have remarried since then ( 2015 ) and now my current wife has been called at work regarding this loan and her taxes have been garnished. I have been unemployed for quite some time and have recently found work. So, the taxes that my current wife filed was just out of her income and PHEAA managed to garnish those funds.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (GA)

I TOOK MY DAUGHTER TO THE EMERGENCY ROOM ON XX/XX/XXXX AND ON XX/XX/XXXX. MY DAUGHTER HAD XXXX XXXX BUT THE HOSPITAL PUT THE CLAIM IN UNDER ANOTHER INSURANCE COPMANY XXXX AND I TLOD THEM THAT SHE DID N'T HAVE XXXX. THEY REFUSE TO LISTEN AND I HAVE BEING BOMBARDED WITH PHONE CALLS FOR 2 YEARS. I AM NOT REFUSING TO PAY O JUST WANT THEM TO GET THE AMOUNT RIGHT. 

1. EMERGENCY ROOM XX/XX/XXXX {$700.00} 2. ENERGENCY ROOM XX/XX/XXXX {$700.00} 3. XXXX XXXX XX/XX/XXXX {$4300.00} 4. XXXX XXXX. XX/XX/XXXX {$3100.00} 5. XXXX XXXX XX/XX/XXXX {$190.00} 6 XXXX XXXX XX/XX/XXXX {$170.00} 7.XXXX HOSPITAL XX/XX/XXXX {$1300.00} 8.XXXX HOSPITAL XX/XX/XXXX {$1400.00} 9.XXXX XXXX XX/XX/XXXX {$3100.00} ALL OF THESE BILLS ARE N'T MINES I HAVE TRIED TO TELL THEM THIS AND THEY AREN ; T LISTENING
Consumer complaint received 2017-11-15
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: Experian Information Solutions Inc. (TX)

i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZWICKER & ASSOCIATES (VA)

I am getting repeated calls on my cell phone from this company, often times multiple times per day. The calls began onXX/XX/XXXX and have not ceased. They leave no voicemail or ever ask me to call back. They have now begun harassing a landline number that where I used to reside but no longer do. They have engaged in notifying the people at this landline the reason for their call and the amount of debt they are attempting to recover. They began calling the landline as of XX/XX/XXXX and even when being told that the person they are looking for does not reside at this location, they continue to call on a daily basis. As of XX/XX/XXXX, they have now proceeded to harass my father on his cell phone and have called him two times. They have proceeded to notify my father of the reason for the call and the debt owed.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (GA)

Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
Consumer complaint received 2017-09-27
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: EQUIFAX, INC. (GA)

Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent  hacking of EQUIFAX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase has made it difficult for consumers by taking making it difficult for consumers to setup automatic payments. In order to enroll in automatic payments users now have to login to their online banking and even then there are only two options : 1 ) minimum payment 2 ) XXXX payment - a partial payment for spending categories Chase that identifies as a category for consumers to make installment payments. 

What happened to pay in full? This is no longer an option on the App and on the website for automatic payments. This is going backwards and not moving forward. 

Chase is taking advantage of a consumers busy life where automatic payments have made a significant reduction to their late fee income and " banking '' on the fact that consumers like me forget to login and make a payment in full.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX Common Wealth Financial XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. 

To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NY)

In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.
Consumer complaint received 2017-09-27
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. (NJ)

Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX XXXX of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!! 
And it should be reported asXX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (MD)

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 2017-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (MD)

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.