davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

I have XXXX balance transfers with the same credit card that were taken out at XXXX different times. XXXX is a large amount that was taken out first and is now no longer at 0 % -it is 16.99 %. 
The second XXXX is a much smaller amount and is still at 0 %. 
I noticed this month that the principal of my 16.99 % balance had only gone down about {$10.00}, where as my 0 % had gone down {$200.00}. This company is not applying the payment to the highest rate portion of my bill. I do not use this card for purchases and I am not able pay more than the minimum due. This applies to the minimum due and how they are dispersing it. When I called them they said they are allowed to do this and only are obligated to apply any amount above the minimum due to the highest APR.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
Consumer complaint received 2015-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (MI)

I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. 
Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. 
I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. 
I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? 
I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?
Consumer complaint received 2016-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (OK)

This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. 

After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. 

Further, they had promised to help resolve my issues before the next pay period. They of course did n't. 

When I called back after their account person, ( XXXX XXXX ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate XXXX with no option for a settlement since I had been paying for the last year attentively. 

My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I recently received my updated credit results as of XX/XX/2024 from Experian, and I noticed that there are still some inaccuracies. The specific account is XXXX XXXX XXXX # XXXX. The alleged account came back updated. How does the bureau do their thorough investigation because XXXX has DELETED this account. 
I have sent numerous letters stating that the company needs to send me the XXXX XXXX with the XXXX XXXX XXXX. I firstly mentioned that the alleged account does not belong to me, and they are in violation for reporting an inaccurate account. Its their grave responsibility to report information accurately and accordingly. Their negligence has violated my FEDERALLY PROTECTED RIGHTS and put me in an unsafe and unsound transaction. 
Additionally, I have NOT given any BUREUA ( Experian, XXXX, and XXXX ) permission to furnish ANY information on my credit report. According to 15 USC 1681 ( B ) ( C ), THAT IS A VIOLATION. Both of my Consumer and Privacy Rights are being Violated.
Consumer complaint received 2016-02-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (GA)

I waited patiently on a short sale house ( XXXX ga ) for a year. Did everything I was suppose to do, like keeping all papers upto date. Even signing amendments as if the attorney had everything under control. Then to be told by my realtor that my case had just been whipped out of the system and he ca n't get intouch with anyone was very unfair to me. I put my life on hold believe that this home would soon be mine. To being told it was in foreclosure and there was nothing I could do about it. Is truely unfair to me and my child. If the bank knew that they had no intentions on letting me buy the house a denial letter should have been sent not having a person wait for so long and still not go about the situation the correct way. Now I have to crush my XXXX year old heart by telling her a house that we thought was ours, we never had a chance of owning. Thanks to Chase Bank.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (FL)

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added to my report without my approval. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I disputed with Experian about XXXX, and the result had come back with the word : Remains. 
I then contacted XXXX XXXX on XXXX/XXXX/15, which they could n't verify any of the information on this account, then they said, they 'll contact the credit reporting company to update the information. 30 days later, nothing happen, I disputed it again with Experian, and the result is still Remains as of XXXX/XXXX/2015.
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (TX)

Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIGNATURE MORTGAGE CORPORATION (OH)

We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.
Consumer complaint received 2016-01-31
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (PA)

As of XXXX or as far back as XXXX XXXX, Discover card has been returning my phone payments to my banking institution [ XXXX bank ] that I 've made in a timely manner. Not only is Discover charging me with late fees, they are including returned [ electronic ] check fees. XXXX informed me that the problem is not with them. Altogether, the fees are totaling upwards of {$290.00} with a current payment made today XXXX/XXXX/XXXX. I also called Discover today to obtain my account number which they refused to do. I informed Discover that I needed the acct. number to pay my bill online through XXXX. I 'm thwarted at making payments to Discover as far back as possibly XXXX through XXXX.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.
Consumer complaint received 2015-12-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

I contacted Quicken Loans for refinancing my mortgage and rolling in a HELOC. I informed them that I had foreclosures in my credit history and they told me that because the properties that were the subject of the foreclosures were not dwellings ( they were undeveloped lots ) Quicken did n't consider them to be foreclosures. While I did not understand why they said this it was obviously beneficial to me so I was pleased. I submitted an application for a conventional mortgage. At some point during the process I was informed that because of the foreclosures I would no longer qualify for a conventional mortgage. I had to change my application to FHA which calls for PMI. At closing I paid approximately {$3400.00} for PMI and am now paying approximately {$130.00} per month for PMI. Over the life of the mortgage, 30 years, this will cost me approximately {$51000.00}. There are many emails between Quicken reps and me that substantiate my claim. I also wrote a letter to XXXX XXXX, President and CEO of Quicken, but that only produced a phone call from XXXX of their reps explaining that they would n't do anything this issue. Quicken has never denied my version of this incident. They offered me a {$500.00} discount on closing costs of a refinance in 4 years if I want to refinance my current FHA mortgage for a conventional. This is a joke. I have much more detail on this matter available, including the letter I sent to XXXX.
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.