davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with Experian, XXXX, and XXXX ( as well as XXXX, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.
Consumer complaint received 2018-07-14
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. 

Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. 

The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. 


Thank you for your assistance with this matter. 


I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Information Services, Inc (FL)

Hi, i had two police traffict tickets for XXXX XXXX XXXX XXXX XXXX XXXX : the first ticket was inXX/XX/XXXX or XX/XX/XXXX and the second police ticket was at the end of XX/XX/XXXX or beggining of XX/XX/XXXX. Now i received a letter from the company i applyed to work with that my criminal record it is still available or funtioning from XX/XX/XXXX until XX/XX/XXXX and the criminal report does not specify that was a XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX. The job fair that i attended was organized by the career source of XXXX XXXX  where i was attending since XX/XX/XXXX because i am receiving economy monetary support of XXXX dollars monthly, but had many bad experiences while speaking with the persons that work at this office call : the career source of XXXX XXXX  locate in the city of XXXX. My first infraction ticket was in XXXX XXXX, XXXX, in XX/XX/XXXX or XX/XX/XXXX and the second ticket was in XXXX, XXXX. And in the paper report says that both tickets are name as XXXX  and XXXX. I think that one of the tickets was a XXXX   and not a XXXX. If you can help me with this criminal recorf that i have that i was denied employment offering by the XXXX XXXX XXXX and the work interview was inside of one of the offices of the career source of XXXX   XXXX  that are suppuso to help you find work but in my personal opinion it is a waste of time because they let private companies do whateber they want with persons trying to find a stable work. Thank you for reading my letter and personal concern.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A true personal story : I was a Capital One cardholder for some time and I paid my bills in a timely manner. Then my Capital One account got hacked and someone ordered a card to a different address and was making purchases with my card and paying with my bank account that was pegged to my capital one credit card account. 

I called capital one and they were very callous about it and they told me to just change my password and they will send me out new cards. 

Lo and behold a couple of weeks does n't go by and I notice charges appearing that were n't mine. So after investigating I realized that this same hacker must have hacked again and ordered a new card and was spending once again. Oh you bet he did but this time he got smart and attached someone else 's bank account to the account ( a XXXX XXXX XXXX account ) and was paying for the purchases with this party 's bank account. This " hacker '' also started withdrawing money from ATM machines all over NY. 

I called capital one and again they were not forthcoming even blaming me, like it was my fault! Instead of commencing an investigation as to how my account was being hacked, they just told me to change my password and sent out new cards. 

I also spoke to the fraud department dozens of times ( each time took 30+ minutes ) and told them to please make sure my account is credited for all the unauthorized ATM withdrawals and charges. 

Capital NEVER credited me those charges. I never ever experienced more horrific customer service then my 6 month misery with capital one. They only wanted to sweep it under a rug that they were hacked. 
Capital NEVER credited me those charges. So I refused to pay my bill. I told them I will pay when they remove those charges. So they gave me the run around and sent me to other " departments '' but never ended up crediting those charges. 

I refused to pay and this went to superior court and I was n't going to start paying lawyers and never challenged it and lost by not showing up. 

Capital One has garnished money from my account on XXXX separate occasions also incurring me overdraft charges and bounced checks because I never got a heads up when the money was going to be withdrawn. 

But those were the least of my problems. 
The guy who hacked in managed to get all my info and so began my fun 2 years of identity theft. 
I have detailed very quickly a very unenjoyable episode to say the least. It has cost me so much time, money and effort.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (NY)

I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment. 
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia. 

In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015. 

Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check. 

Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start. 

To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose. 

The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want. 

This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XXXX separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to be made from XXXX XXXX to XXXX XXXX when their online payment option was actually working. The error message merely stated that it was " unavailable ''. Even when you call SLS to make a payment over the phone, they automatically refer you to their party vendor. How can XXXX XXXX XXXX be allowed to service-transfer their loans to a servicer who has such an inadequate payment option available - you ca n't even schedule a payment for a future date - only the date you actually find the online payment option available and working. 
XXXX 's payment was made on XXXX XXXX and a confirmation was received. Then on Saturday, XXXX XXXX, I receive a letter from SLS dated XXXX/XXXX/XXXX but not postmarked until XXXX/XXXX/XXXX and no received until XXXX/XXXX/XXXX. This totally antiquated and insufficient handling of payments has damaged my credit over and over again and now I am told I have to submit a cashiers ' check for the payment when it was their error that they did n't collect the funds on the XXXX of XXXX. How can this servicer be allowed to handle mortgage payments in such a manner?
Consumer complaint received 2015-10-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

This dispute is in reference to a previous case # XXXX I filed with you and received a response from the SLS. Please review the document they sent you dated XXXX. In the response sent you on XXXX/XXXX/2015 SLs states that my XXXX payment in the amount of XXXX is still due and this is correct. They also state later in the correspondence that the effective date was moved to XXXX/XXXX/2015. I paid my payment of XXXX to SLS and they are showing receipt but have not applied to my loan. I have also completed the paper for a assistance, mainly a forbearance for my mortgage. I believe these actions of delay are intentional. I also believe I am being discriminated against and their purpose is to make me lose my home by delaying processing on my mortage. I am asking for assistance in the matter. Please forward the the company please. My loan number is XXXX
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (GA)

I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?
Consumer complaint received 2019-04-24
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. (FL)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I WAS CHARGED FOR 2 CHARGES ON MY XXXX CITI VISA CREDIT CARD THAT I HAVE NO IDEA WHO THESE COMPANIES ARE AND I NEVER DID BUSINESS WITH THEM AND I DID NOT AUTHORIZE THESE CHARGES. THE CREDIT CARD WILL NOT PROCESS MY REFUND AND I DONT UNDERSTAND WHY.. I HAVE TRIED MANY TIMES. THE TWO CHARGES ARE XX/XX/18 XXXX XXXX- XXXX AND XX/XX/18 XXXX XXXX- XXXX ... THIS IS ALOT OF MONEY TAKEN FROM ME AND I NEED MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS SENIOR ABUSE. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

I had a bad debt show up on my credit report for {$2500.00} from a company 'Jefferson Capital Systems , LLC '. I did not recognize this company or recall owing a debt for this amount. I tried calling the company at the number listed on my credit report in XXXX of this year. I spoke with a representative in another country who was asking for my social security number. They told me that they bought the debt from a wireless cell phone provider. I refused to give them my social security number and asked to speak with a manager or someone that I could better communicate with due to the language barrier. The representative hung up on me. I do not owe this company money and I am unable to get this matter resolved or removed from my credit report. I am also getting letters from other third party company 's stating they own this same wireless cellular debt with different amounts due.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..
Consumer complaint received 2018-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

I WAS GIVEN A {$50.00} GIFT CARD ISSUED BY XXXX XXXX XXXX XXXX LICENSED BY XXXX XXXX XXXX XXXX. 
I LIVE IN PENNSYLVANIA WHICH PROHIBITS FEES THAT REDUCE THE AMOUNT OF THE CARD. I FOUND OUT ON XX/XX/XXXX THAT THE CARD IS ONLY WORTH {$20.00}. INACTIVITY FEES OF {$30.00} WERE DEDUCTED FROM THE CARD. THIS GIFT CARD EXPIRES IN XX/XX/XXXX.