davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I recently made contact with XXXX XXXX and advised them that was not me. And the supervisor over there was completed rude as well as the customer service department. They want me to send them information about me which they should have if they are stating I was seen at XXXX XXXX for treatment. I have advised them I have Medicaid for years so if I was there or at any facility my bills would've been paid by Medicaid. They can not show many any valid proof that I was seen at those facility. The last representative couldn't even find me in their system by name. I have to provide my social ( which felt very uncomfortable doing that ). The accounts # XXXX & XXXX. This is a collection agency that buys bad debt and try to collect on things that are not valid. This company has some fraudulent activity going on.
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I keep getting multiple phone calls a day from this company despite not having any contracts or anything with them. They keep calling in reference to a debt that for one isnt owed to them and that I have already paid! This has already cleared my account and I have even told them that its been paid but yet they keep contacting me and threatening to add this to my credit report. Well if they do I will have no choice but to exercise my consumer rights and take legal action against them! This would be the FOURTH FRAUDULENT time theyve done this to me, Ive had to report them multiple times earlier this year!
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been enrolled in the PSLF program since 2010. It took 9 months for them to process my application. Since then they have put my loan payments on hold numerous times sometimes for 6 months at a time while they " review '' different aspects. 

For more than two years I have been trying to get an accurate assessment of how far along I am in the program despite that they have held my loan payments every change they get. After losing my employment verification forms many times they received them and said I had made over XXXX patients. Then without telling me they changed and said I only made XXXX XXXX payments. 

I only saw this in reviewing my loans, Now for over a year I have been fighting this and they have not given me an accurate assessment of my loan payments and they have tried to limit this every chance they get. 

I tried to resolve this with them and the BBB with no appropriate response.
Consumer complaint received 2018-05-29
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: CREDIT ACCEPTANCE CORPORATION (CO)

Re : XXXX, credit acceptance ... ..XXXX, cfpb ; all reference appears to be in the co-signers name, XXXX XXXX instead of the " car owner 's '' name..reidun creamer, my daughter . quite clear is the premise of XXXX 's credit report, and quite clear is the company 's reporting to the credit bureaus ... .however, since CAC ( credit acceptance corporation ) is a high risk consumer acceptance company with 21 % or higher interest rate in Colorado to XXXX, with XXXX as co-signer ; and since duplication of any notices to either parties sent, minus any telephonic inquiries to either party wondering or stating that possibly an error in account numbers may exist and why would reidun buy this car with {$1600.00} down and make no payments whatsoever causing a repossession. If CAC would find presence and premise to show relief from reporting this account as a repossession on XXXX 's account, he can go forward with a VA home purchase. if the negative reporting remains, then both XXXX and XXXX may have no recourse but both filing Chapter XXXX bankruptcy, not using the CAC account as credit going forward. We do believe errors on both side exist, and possibly a solution can be seen to rectify and reward.
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I closed my XXXX XXXX accounts on XX/XX/2018 and they mailed me a check for XXXX which was the remaining balance. I had to scream at 3 different people cause they tried to keep my savings open without my permission. An inside source says they did keep it open and transferred money out of there after I closed my account. I sent my VA pension payments direct deposit to a new account at a new bank and todays the money should have been kicked back from NAVY Federal credit union and sent to my new banking institution. I called the VA and they said it was never kicked back to the treasury and they thought it was strange giving the circumstances that the account has been closed for more than 2 weeks. I'm writing that the bank is committing fraud against me for closing my account in retribution for reporting them so many times to the cfpb for stealing my money that they never gave back. I suspect they waited till it was closed and someone fraudulently transferred it over to a fake account and stole it.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Victim of a predatory Refi loan in 2007. It was suppose to be a cash out but a time of closing the XXXXongress Title closing agent said that the mortgage company is not doing a cash out just a conventional refi. Therefore the closing agent did not have all the closing docs including the HUD. She had me sign whatever docs she had. Later I discovered she signed the HUD and the appraiser fraudulently appraised the house. Appraiser stated that the house had gas and electric utilities when in fact it has below and underground oil tanks and oil heat. Never had gas utilities at property. Comps were inflated and done in another areas. Appraised {$95000.00} above market value. Today, lawyer is trying to foreclose using robo signed docs ( assignments, Mortgage, note ). CODI violations as well with multiple assignments.l have been in the foreclosure process of more than 9 years with two docket # s in XXXX County Court Hon XXXX XXXX
Consumer complaint received 2018-06-29
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. (TX)

I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX   has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file.

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax keeps reporting a number of addresses that are not mines. I keep disputing them but they are not removing them. These addresses are not mines and they are refusing to remove them and are refusing to tell me why they are not removing this inaccurate information. The addresses are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX., XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, XXXX  XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC (MD)

On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Service is inaccurate because I have never received any documentation for this bill. I have contacted the XXXX Tx XXXX XXXX, the original creditor, and am told there is no balance. I have contacted Phoenix Financial Service and was refused proper documentation to validate the debt. I am requesting this item be removed from my file to correct the information. {$1100.00}
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a credit card with Bank of America on XX/XX/XXXX. After I received and activated the card it was then blocked by Bank of America. I know this is for my protection but a huge inconvenience when you have a cart full of groceries. In order to unblock the card I called the customer service representatives who only made the problem worse. They accused me of trying to swipe the card vs using the chip saying thats what caused the block. Knowing they were providing false information I asked for a supervisor. I was then put on a lengthy hold only to have a very rude person get on the line who called themselves a manager but could not escalate the situation. I was told this will happen for 6 months until spending trends can be analyzed. I have spoken to several representatives in an attempt to get this resolved. The situation only gets worse getting conflicting information about my account. My biggest problem is with the customer service representatives that have no accountability for what they say. Mistakes happen but it seems they just make things worse by making statements that arent true. They have failed to reach back out to me to come to any resolution. All I asked for originally was to consider a balance transfer at no charge for the amount of the purchase that was declined. That is roughly {$14.00} fee I asked as a courtesy to be waived because of problems I faced. They continue to say nothing can be done and they cant control what other customer service agents say, but just repeat the company line and intentionally mistreat the people calling for help.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for and was approved for a American express delta sky miles card. The deal was spend XXXX XXXX dollars in three months and get XXXX delta sky miles. I have me my end of the promotion and now I am being told my card was approved but the promotional part was declined. I am furious. If they were not going to honor the promotion I never would have applied for this card.
Consumer complaint received 2018-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with Kohl's'/Capital One. An official dispute of this action was sent to Kohl's/Capital One XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with XXXX XX/XX/XXXX and the official dispute of this was sent to XXXX  XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Have not received Trip Delay Protection from Citi-Advantage/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX in a timely manner. 

I made a claim for trip delay protection from XXXX  XXXX XXXX on XX/XX/XXXX for a total {$340.00} to be paid by check. 

I have not received {$340.00} by check as of XX/XX/XXXX. My account was erroneously credited for {$310.00}. 

I've made several attempts to correct the issue with XXXX  XXXX XXXX and I have not been able to resolve either the issue of the missing {$30.00} per their guidelines nor the issue of receiving a check as stipulated in my original application. 

The guidelines stipulate " Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination ''. I did not arrive at my scheduled final destination until the next day.

Attachments : Guide, portion of claim indicating " mail me a check '' selected. ( signed original available upon request ) =========== from Citi AAdvangage Your Guide to Protection Benefits : page 10 .

Trip Delay Protection How Long are you Covered? From Trip Departure Date to Trip Completion Date.

Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination.
Consumer complaint received 2018-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

I received a Personal Loan Approval and wired {$600.00} Via XXXX XXXX XXXX to Citibank for the Origination fee.

Citibank was unable to deliver the money to the recipient because the Account was closed. Many attempts have been made both by me and XXXX XXXX XXXX asking to recall the money but Citibank refused to respond.

I just want my fee returned to me because the Loan process was not completed.

This is a case of Exploitation of the Elderly for Monetary Gains.

I have sent in supporting documents to your office already.
Consumer complaint received 2018-06-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC (NY)

On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX. 

XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is blocking me from enabling external applications. A representative told me over the phone that they do not consider XXXX  to be a trusted site and therefore will not enable me to allow them to connect securely ( https ) to my business bank account. 

I have the right to access my financial data. Please make CapitalOne allow me to do so.