davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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: Resurgent Capital Services L.P. (NY)

Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.
Consumer complaint received 2020-08-30
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. (MA)

Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX bill. XXXX  XXXX is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with Experian. XXXX  XXXX continues to notify Experian the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX  has acknowledged the account is closed and settled. Even though XXXX  XXXX is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into XXXX  XXXX web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. XXXX  XXXX is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. XXXX XXXX contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX  account is XXXX. XXXX  XXXX has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I purchased a purse from a lady and she never sent the bag only the tracking number and still hasnt been received by XXXX, I was scammed and I just want my money I did dispute the charges through my back but havent been refunded.
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-30
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: JPMORGAN CHASE & CO. (MA)

I ordered photographic electronics, items from a merchant ( XXXX XXXX XXXX XXXX ) online with Chase Credit card worth of {$9500.00} XX/XX/XXXX The merchant claimed the order was delivered to someone else other than myself. I have made a good faith effort to resolve the problem with the merchant directly by contacting the merchant couple of hours after didnt receive my merchandise. I asked for a replacement or give me a refund, but after many efforts of complaints to recover a refund, there was no response or a resolution by the merchant. The seller at first said it will be investigated with XXXX and will get back to me XX/XX/XXXX but no one contacted me since. I contacted my credit card company to dispute the charges asserting that the goods or services were not accepted or delivered as agreed. XX/XX/XXXX during the investigation conducted by Chase, the merchant responded with some outrageous claim of accusations without bases and failed to provide proof that it delivered product according to the agreement. After my request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for supporting documents as to the facts that goods were delivered to and signed by me, Chase close the case and is now asking me to pay for goods I did not received. Chase has failed to comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable including, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX has attempted for 7 years to get this debt paid. I owed this to Captial One credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.
Consumer complaint received 2020-08-30
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. (IN)

I purchased a trip through XXXX in XX/XX/2020 for XX/XX/2020. COVID-19 hit and I had to cancel the trip in XX/XX/2020. XXXX  sent an email stating they were refunding the {$1300.00} for the trip but were unable to refund for the flight. Later that same day, XXXX placed a disclosure on their website stating they were cancelling all reservations and that people would need to get a refund from their credit card. I filed with the airlines who sent the refund to XXXX. So I filed a dispute with Citibank to get a refund for the flight. While talking to Citibank, I was told to only dispute the airline claim and to wait for the XXXX refund. I was told that I could change the dispute amount later if I did not receive the refund from XXXX. This was a lie. After numerous calls ( at least 7-8 in a little over 2 month span ) and repeated statements from various departments and personal in Citibank, I was repeatedly told they would change the amount for me. I eventually became frustrated and withdrew my dispute so I could change the amount and get a full refund. A new manager was very hateful to me on the phone and said they could not do anything because I withdrew my dispute. I was NEVER told that once a dispute is withdrawn, it can never be reopened. I filed a complaint with CFPB on XX/XX/2020. On XX/XX/XXXX, Citibank responded with an email basically stating they knew they lied to me in the beginning, but it was my fault for withdrawing the dispute. They did decide to give me a refund of {$450.00} out of the {$1300.00} because I am a " valued customer ''. I have responded twice to the email on Citibank letterhead ( XXXX ) and they have never bothered to answer me. I stated that I while I appreciate a partial refund, I don't feel like that is enough. I was lied to at the beginning of the dispute and repeatedly for months. Citibank stated in the claim that they knew I was lied to. So how to do they come up with a number that is not even half of what I lost. Had I known from the beginning that a dispute could not be changed or withdrawn, I would have filed for the full amount. I was trying to be honest and not file for the full amount with Citibank when I thought I was getting a refund from XXXX. Apparently Citibank does not feel like they need to be honest or they should take any responsibility if they are dishonest. Now I am out {$940.00} on a vacation that I was not able to take because a corporation does not feel like they have to live up to their word.
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (VT)

XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
Consumer complaint received 2015-10-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AZ)

ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.
Consumer complaint received 2023-05-10
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. (IN)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

SPS servicing is the most unscrupulous mortgage component I 've ever dealt with. The second time my mortgage was due to their company ( because my mortgage was sold to them after 10 years with XXXX XXXX XXXX who were great ) they charged me twice for an online mortgage payment transaction. I attempted to pay my mortgage online and their system kicked me off and told me to try again. So the next day I did, because I 'm responsible and pay my bills on time. Well turns out that my first attempt to pay was apparently processed but I did n't get confirmation of that! So when I paid again they charged me twice! Then when I call them to cancel one, they say they ca n't help me! So they fraudulently charged me twice! When the online payment is processed it clearly states that you will receive confirmation through an email that your payment was processed! Never got any confirmation for any payment whatsoever! So that 's why I paid out again the next day, because like I said I 'm a responsible person, and I like to play my bills timely! This company is the worst and commits fraud!
Consumer complaint received 2015-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (SC)

Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them!
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Avalanche Title and Escrow, LLC (TN)

In XXXX 2013 I sold my home in XXXX CO. Since that time HUD contacted me regarding a balance I owed to them for an additional debt. I have worked out an agreement with HUD and paying that debt. Now Avalanche Title has began contacting me repeatedly demanding that I pay this debt immediately and I have no means of do so. They have contacted me via phone and now have began emailing me at my place of employment demanding that I settle this debt with HUD. I have other financial obligations and this was proven to HUD and this why they agreeded to accept the payment arrangements. I feel that Avalanche and the realtor did not do their due diligence in obtaining this debt information from HUD and now they are placing the blame on me. During the time of the sale I was dealing with a XXXX parent and stated honestly and without reservation that I was not sure of any other debt and truly could not remember any addtional monies owed on the property. I do not want to face any type of judicial issues regarding this sell and would like for Avalanche title to stop harrassing me regarding my payment arrangement with HUD.