davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. 

He has an advertisement in XXXX and send some documents to support him. 

There is no company involved I transferred to the person through XXXX. 
I have his full billing address that too post paid from XXXX. 

XXXX XXXX XXXX, GA, XXXX.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2019-01-28
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. (CA)

Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I filed a dispute over the phone with Citibank. My account had a fraudulent transaction of {$920.00}. The representative informed me that within 10 days I would receive a provisional credit. I never received it. On the 10th day I called and they said to wait another 10 days for the credit to reflect on my account. Today is XX/XX/2018 and I still do not have my money. I called today and they told me I had to file another dispute and wait another 45 days. They are taking me as a joke. Every time I call they give me different answers. Nobody knows how to help me. Citibank is trying to stay with my money. I have bills and have not been able to get my children their gifts for XXXX.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In XX/XX/XXXX i received alert from XXXX that XXXX added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but XXXX all Credit acceptance to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and XXXX before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that XXXX say they go by policy and procedures but when does it apply when its finacial benfincial to the company and XXXX are for the consumer, XXXX  does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the credit acceptance and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but XXXX   allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons
Consumer complaint received 2019-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (MT)

On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX  's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by XXXX that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, s number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used XXXX. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used XXXX. I called XXXX  's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which XXXX  had recommended ) and they had used XXXX. I called XXXX  for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or XXXX  to look into this and help the consumer ( me ) .I understand XXXX  's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both XXXX and XXXX , s.
Consumer complaint received 2019-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have not received communication from the account servicer, Navient, about the change in interest from this loan. 
I have noticed that every month, they have been raising the payment due for the loan without providing a notice that such a change has ocurred. 
I want them to be transparent about how they handle the payments and why that required payment keeps going up in just a matter of months. 
I assume that the interest rate of this loan is not supposed to go up this quickly. 
The rate just months ago was 8 % and suddenly without proper notice, it has been increased to 9 %
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WI)

I deposited a check I was given from a bed I sold on XXXX and it appears after the bank sent me an email the check was good that it wasnt because my account is now negative the amount of the check and more. I am going to call them in the morning Im very upset I live on a limited income and I can not afford to replace this money I was obviously frauded out of, im just sick about it and I dont know what to do.. I will contact the bank tomorrow, I accidentally came across your app tonight. I am trying to fix my credit and Im so upset. I dont understand why people do this to other people. I was told that the check was good and so I went along with the process and lost my bed and now Im out all this money in my account, Im so upset Ive barely been able to eat.. Thank you.. be careful there are a lot of scammers out there and somehow the bank didnt know the check was bad at first..
Consumer complaint received 2019-01-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (FL)

I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below.

1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act (  FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 
3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 
4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). 

Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (CA)

I was trying to buy an online XXXX server I was led to believe that a person on XXXX was the owner of this XXXX which he was he acted like 2 separate. people and made me pay XXXX $ in 2 separate payments ( without tax ) and I would like to know wether I can refund this payment or not ( done through XXXX )
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Today is XX/XX/19, and it is XXXX XXXX  pst. My loan payment with XXXX XXXX is due on XX/XX/19. I'm trying to pay my payment on the day it's due, and XXXX XXXX XXXX has XX/XX/19 as a greyed out option for paying my bill. Therefore, I had to select the first ungreyed-out day, which is XX/XX/19. Despite paying my bill on time, XXXX XXXX forced me to pay my bill one day late, when actually today is XX/XX/19. This is illegal. They will now claim that I paid my bill late, which means it won't count as a qualifying payment towards my Public Service Loan Forgiveness plan. In actuality, I'm paying my very large bill on time. I want XXXX XXXX XXXX to accept my XX/XX/19 payment for my XX/XX/19 due date as an on-time payment. Note in the attached picture that the date on my computer, the date the bill is due, and then the date that XXXX XXXX XXXX is allowing payment ( they aren't allowing payment on XX/XX/19 ).
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NE)

I requested a review of my Public Service Loan Foregiveness qualifying months a year ago. I have call several times since then to ask if it had been completed. This review has still not been completed and XXXX XXXX XXXX is unwilling to provide me with a general timeframe. 

I was also told around XX/XX/2018 that the months that I overpaid on from my determined monthly payment amount would be reimbursed to me after my foregiveness was in effect. I have since been told this is wrong and mocked for asking this question. I am rarely treated with any sort of respect when I call XXXX XXXX & often given misinformation with no offered apologies. XXXX XXXX never seeks to offer a solution to issues that they cause. They are also unwilling to provide me with copies of narratives from when I called in without a sopeana.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (SC)

On XX/XX/2018 we realized that someone had stolen checks from our business account and cashed three checks in three different locations. BB & T did not contact us that there was fraud against our account and we would have not known if we didn't check the account religiously. We immediately called BB & T. We were told by customer service that there was nothing that they could do and that we needed to shut the account down and open a new one. I immediately got off the phone with the bank and went to my local branch to close the account. The banker informed us that we could not close the account until the fraudulent transactions where credited back to our account. They were not helpful at all and did not care that we were frustrated that someone stole money from our account and we were not notified by our bank. They just kept saying that we needed to contact the fraud department and work it out. Well, 3 weeks have gone by and we are still missing one credit for the amount of {$270.00} authorized on XX/XX/18. Today on XX/XX/2018 I went back into my local branch in XXXX XXXX, South Carolina to see why our money has not been credited back yet. Keep in mind that the person that stole our checks signed his name and didn't even try to forge a authorized users name. I spoke with the banker who was very rude, rolled her eyes at me several times because of me expressing my frustration and proceed to tell me that there was nothing she could do that we needed to be patient. BB & T has a policy that after 10 business days they stop the investigation. Its been well over 10 days. The banker even asked the fraud department the same question and they said that it takes time and we needed to wait. No one can give us a straight answer as to why its taking so long for the refund. BB & T employees have admitted that this should have already been resolved as the check was clearly signed by a unauthorized user. I think that 3 weeks is plenty of time to figure this case out and should refund our money immediately. We feel that we are being mistreated as customers and just want this issue resolved so that we can close this account.
Consumer complaint received 2019-08-31
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 (TX)

data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (ME)

Chase Auto Finance, End of Lease Division, mailed me a bill for {$520.00} dated XX/XX/18 after I returned my leased vehicle to XXXX XXXX XXXX in XXXX, ME on XX/XX/18. I did not know or was expecting a bill, as the vehicle was paid in full and the car salesman at XXXX XXXX never told us to expect one. We moved from XXXX, XXXX to XXXX, XXXX on XX/XX/18, and my mail was forwarded. I did not receive the bill from Chase in the mail until XX/XX/18. The bill does not indicate a certain period of time to pay. I tried calling Chase to take care of this on Saturday morning XX/XX/18. The office was closed on the weekend, so I had to call and pay in full on Monday XX/XX/18. They had already posted a negative/delinquent remark to the credit bureau on Saturday morning XX/XX/18. After repeated calls, letters and faxes ( including from my attorney ) for them to remove this from our credit report, they have refused on several occasions. Below, please find a copy of the letter that my attorney sent to Chase to rectify this issue.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (VA)

I have called discover bank back a few times regarding this issue and they keep on saying that my account is suspended due to derogatory marks on my credit report from well on over 12 months ago. I have paid down the balance I have owed on the late payments. They are still saying because of what happened they cant do anything with my account because of my past actions due to Financial hardship. Basically I am just paying down my balance at the moment and i'm still not allow to even use the card i feel like this is racism and messed up I have fixed my past with them and still on a suspended account and cant even get a credit increase.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (GA)

I have had a XXXX XXXX now Chase Freedom card in excess of 5 years. When they discontinued their affiliation with the XXXX  XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from .25 to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 16.99 % in XX/XX/XXXX/XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. 
If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to my recent credit report request from XXXX, Experian, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ONXX/XX/2018
Consumer complaint received 2018-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A. (FL)

Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. 

They just wanted me to a to apply for a loan that I didn't ask for or want from them.
Consumer complaint received 2019-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Equifax and XXXX  responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if Equifax should be shut down. They are extremely shady and dishonest. 

XXXX  refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!