davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I recently opened a saving account with USAA and has deposited {$2000.00} in it. But I ca n't withdraw money from the account because USAA said I did n't provide proper proof of address. I have sent multiple proof of address and other documents to USAA and called its customer service at least six times, and it promised to call me back ; but as of today, it has never called me back and I still can not withdraw any money from the account.
Consumer complaint received 2017-03-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One 360 posted a promotion code to open a new account for a {$200.00} bonus ( the code was " XXXX '' ) They later claimed that this code was " targeted. '' However, the company had no issues letting me use the code to sign up, and the confirmation screens ( that I screenshot ) even confirmed that I was eligible. 

Capital One 's customer service then made up multiple reasons why I was n't qualified for the bonus, even though I followed through on their terms stated to deposit {$10000.00} into the Money Market Account. 

My statement is that because their system stated that it was ok to sign up, the consumer should not be tricked into signing up because of Capital One 's fine print. Clearly, a sign up system that approves the code should mean that the offer was accepted by the company. I think Capital One is being fraudulent in their promotion offers, and intentionally letting consumers sign up to make their new account numbers look better.
Consumer complaint received 2020-04-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}
Consumer complaint received 2020-04-17
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: EQUIFAX, INC. (CA)

Hi thank you again for taking the time for reading my complaint. 

Equifax is taking longer than 30 days for debt validation. 

I have requested from XXXX XXXX  to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked Equifax to investigate this matter and it has been longer than 60 days.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I contacted Jefferson Capital Systems concerning a collection on my credit report about a bill from XXXX, I was told the debt was in default in XXXX of XXXX, I asked for verification of the debt in writing and the operator stated that it was already sent out. I stated I had not received it and that I needed verification and a proof of date, he stated that he already told me when the debt started and refused to give me anything in writing. I filed a dispute with XXXX that afternoon and the next morning was told the debt was verified and it began in XXXX of XXXX. I contacted XXXX  and explained I had not done business with XXXX since XXXX of XXXX and that I wanted to know what verification they turned in because it would be fraudulent, I was told there was no formal verification just Jefferson stating that I owed the debt. I question how that was verification when anyone could state I owed a debt, I also explained Jefferson 's refusal to verify the debt to me. I was then advised to file a complaint CFPB and was told they would reopen the investigation and inquire about the validity of the information provided to them. Jefferson still  has not verified the debt to me or in my opinion formally to XXXX  only verbally stating that the dates were accurate, despite giving two different dates of XX/XX/XXXX to myself and XXXX of XXXX to XXXX  there by adding two more years to the debt.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

Ok so my mom bought me a prepaid XXXX XXXX serve card for XXXX dollars, XX/XX/20 there was a XXXX  dollar transaction, I have no idea on what but its there, Today XX/XX/XXXX I tried to buy something on the XXXX, The preferred payment method I use on PayPal is this prepaid card. 

I attempted to buy something today for XXXX dollars and it said that it didnt go through said I needed to update my payment method on PayPal, So i did, and then I clicked the link that lead me to the PayPal website and I got charge a dollar for activating it I guess, even though it was already on my PayPal account??? 

Then I retried to make my purchase and it failed again, Same thing happend, update payment method, so I did, and it didnt go through again, ( I do that one more time ) Then I thought okay Ill try to add the card with XXXX XXXX and lay with that, so I added the card to it, but it didnt show up in my wallet, so I decided to do it again, ten minutes later I get two charges for XXXX dollars for the XXXX XXXX. So In total I was scammed for XXXX dollars. 

If the card needed an activation fee the XXXX dollar purchase should have been enough to activate it. I want my money back I dont know what company is responsible for this because it could be PayPals fault for charging for a card I already had or it could XXXX XXXX serve because they transactions are there but not on my PayPal account. I looking for a way to get a refund in the XXXX website but theres nothing and since PayPal doesnt have any record of my transactions I cant ask for a refund I want my money back please try to cover most of not all the charges Please contact me at XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

A charge was made on my account after I told them to block all charges. 
there was an alternate credit card number to be used on file on Amazon.com, but Amazon chose to charge my Amazon store credit card instead.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (TX)

I entered a hardship repayment agreement with American Express through their customer service process over the phone. I was told that I agreement was to make {$950.00} a month payments until the debt was paid off and that my account would remain in good standing. American Express accepted the payment but still reported me as delinquent which dropped my credit score, raised my payments with other creditors and increase my hardship.
Consumer complaint received 2020-04-16
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. (MA)

On XX/XX/2020 I had purchased off the XXXX site a what I thought was a XXXX case - XXXX XXXX XXXX. The guy that store it was under on there was a XXXX who ironically his store is now gone and so is his email but I have this lady billing me XXXX and she sent me a plastic case with a slapped on decal of the XXXX XXXX logo - nothing like the pics. Probably why they got shut down on XXXX. 

My problem with citi  is for two days now you cant dispute your purchase online it says were experiencing some temporary delays, please try back later. 
If you call them it hangs up on you automatically and says the lines are too busy. 

Listen Ive quarantined and working from home since XX/XX/XXXX and we work well still even with a limited staff. 

They send out emails saying they rather have you obviously do things through their app and then their app doesnt work and their phones are programmed to automatically hang up due to their call volume so you cant get anything done/rectified I want them to credit the charge XXXX XXXX posted on XX/XX/XXXX and the amount is XXXX and tell her to stop sending fakes out. I dont have an address to send this fake back to and Im not paying to ship it back so youll have to deal with how this fraud wants to proceed.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Platinum Business Card will not allow auto payment to be setup when a payment is overdue. This prevents consumers from setting up auto payment, unless done prior to the first payment that may be late.

Wells Fargo does this intentionally, or at it's benefit of penalty interest and fees, to consumers.

Wells Fargo should allow auto payment to be setup at whether the account is past due..in order to prevent it from becoming past due.

In my situation, the first payment was received late due to the first statement not arriving in time. At no point in the next three late statements was I able to setup autopayment online after I found out ( due to Wells Fargo extremely slow mail ) it was late.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OR)

Hunter Warfield Inc has fraudulently reported a debt against me. The false debt is from a 3rd party creditor for {$680.00} but they will not provide any dates nor supporting documentation over this debt and was told I need to prove it is not mine or pay. It's not a real debt, therefore there is nothing for me to reference to show it's not mine and this fraudulent claim has now stopped my mortgage refinance because of the credit drop. Local police have been contacted for ID Fraud against them
Consumer complaint received 2018-06-07
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. (KY)

On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.
Consumer complaint received 2017-02-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My boyfriend left me back in XX/XX/XXXX. I was full-time employed at the time, but fighting to keep my job due a discrimanation case against my employer. My account was XXXX payments beyond during that time, and my lender refused to accept any of my payments. I tried making a total of XXXX full payments every XXXX weeks, and each time the payments were returned back to my checking account. I spoke to a rep and they advised that if I did not make XXXX out of the XXXX payments, the loan would be foreclosed on. So I attempted to take the money out of my XXXX. I received the check to cover the XXXX payments, and I called the lender to workout arrangements for a XXXX time. They agreed to give me the options to gradually get caught up,, and advised that the first payment would need to be around XXXX to start the plan. I said ok, I have the funds, just waiting on the money to clear. XXXX days later I called back to make the payment, but to find out, the account was sent to Foreclosure and that XXXX was needed to bring the account current. In XX/XX/XXXX I completed the loss mitigation packages. I was hoping for some relief, but then I was denied. They claimed I 've already received help from a company called XXXX in XX/XX/2016, and that my debit to income ration indicted, that I would still be struggling to make payments after a repayment plan. It also stated that because I was still working, I was not eligible for any assistance. So in order for them to help me. I would need to be jobless. ( Stupid right? ) In XX/XX/XXXX, I lost my job and re appealed. 
Finally, I was offere a forbearance plan at XXXX a month, for the next XXXX months. In the meantime, I 've received a lump some of money to bring the account current and was told by XXXX, a XXXX at Dovenmule. That If I did that, He would bring my account current and give me the option to gradually get caught up on the attorney fee 's. I called back to set up the arrangement with him. But he song a different tune, and told me to call the attorney, their was nothing he could do .Working with this company has only proven to me that they really do n't care about helping the consumers save their home .I feel like I 'm being forced to lose my home and its really sad to go through this. Also, I 've received a total of XXXX reinstatement letters from the attorney, and the first XXXX letters, the attorney fees were XXXX. When I requested the XXXX XXXX, the fee 's jumped up to XXXX on top of my delinquent amount .Which their stating I now have to pay XXXX to bring the account out of foreclosure. When I should be around {$7800.00}. I 'm not sure why there charging me extra fee 's, when the loan is suppose to be on hold due to the Modification process. 
I cant win! I suffer from XXXX. I need your help. 
I would like my loan brought current and out of foreclosure. I would like a mod if possible with a fresh start. Or all the attorney fee 's waived and given the opportunity to bring my account current without the fee 's
Consumer complaint received 2017-02-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (AZ)

I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext XXXX.
Consumer complaint received 2016-04-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

PHH Mortgage is repeatedly saying they did n't get my payments, it 's been happening since fall of last year. I mailed in a {$2700.00} in XXXX to catch up what they said I was behind and an {$850.00} check for XX/XX/XXXX 's payment. They sent back XX/XX/XXXX 's payment, which I mailed in XX/XX/XXXX. I received it back on XXXX XXXX, 2016. I called, told them they were n't getting late fees for sending it back, I copied it and remailed it within a week. I mailed XX/XX/XXXX 's payment in on XX/XX/XXXX, I mailed XX/XX/XXXX, late, on XX/XX/XXXX. The day after I mailed XX/XX/XXXX 's payment in, I received XX/XX/XXXX 's back again, saying that it did n't cover what was owed. XXXX XXXX, 2016, I mailed a check for {$3600.00}, covering all of XX/XX/XXXX through XX/XX/XXXX, less late fees since I have sent in the payments. As of today, they are claiming, AGAIN, that they did n't receive the check. I have tried contacting them via email about the check, I was told to call collections and make payment arrangements. I have paid! They are destroying my credit with their poor handling of their business. I can believe that MAYBE one payment does n't make it, but several? I am fed up!!!!! I tried to make a one time payment online today, it would n't let me. I get the run around. I think they are taking advantage of a XXXX, I am almost XXXX years old and have a VA loan.
Consumer complaint received 2023-06-16
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. (IL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2020-03-06
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. (GA)

Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXX XXXX  Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

When I check my credit score thru both XXXX and Equifax is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citibank targeted me with a sign up bonus promotion of XXXX Thank You points for enrolling in their CitiGold checking account service. I completed all the requirements to receive this bonus, but now I am being denied this request. I have documentation from them that I have met the sign up requirements, but their latest communication to me is that I am not eligible for the bonus.
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE (OR)

I had a Barclays Bank Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. BARCLAY transferred to a collection name XXXX XXXX XXXX. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. XXXX XXXX  began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.
Consumer complaint received 2017-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TX)

Debt was disputed and removed by credit bureaus in XX/XX/XXXX and then sold to Amsher and it was back on my credit report XX/XX/XXXX. I have disputed with them, the amount is incorrect. They report that the debt is verified, I spoke with t-mobile agent and she did NOT verify the XXXX amount that Amsher has as collection amount. There should be no debt in the first place, due to the fact it was a month to month plan and the last month was paid, but sent to collection 3 months later. It does not show on my credit report that this debt is disputed.