davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-09
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. (SC)

To whom it may concern : I have been trying to get a refund in the amount of {$4600.00} from XXXX XXXX XXXX XXXX for booking # XXXX. Sailing date was supposed to be XX/XX/2020via XXXX out of XXXX, FL. Trip was cancelled due to Covid-19 per CDC and US Dept of State 's no sail / travel order. 
XXXX sent by email an option for 100 % refund, which I requested on XX/XX/2020. 

XX/XX/2020 - I filed disputes related with Citi credit card for all XXXX charges because I was fearful XXXX wasn't going to refund. Citi is investigating ( note that all charges concerning trip were paid off in full late XX/XX/2020 ), but, now it appears they ( Citi ) are holding my money. 

XX/XX/2020 - the only charge that was made from my personal checking account to XXXX for a spa treatment for my significant other was refunded in the amount of {$79.00}. This tells me they ( XXXX ) are in the act of refunding. I then called XXXX and they gave me itemized list via phone for all charges and said they were refunded late XX/XX/2020 early XX/XX/2020. The representative also told me that the bank ( Citi ) was now supposed to be streamlining this process. I am currently trying to get proof of refund from XXXX through documentation. 
Citi said they have received no payment from XXXX 's bank and I am hearing the same thing over and over from them ( I have 15 pages of documentation of correspondence through Cit 's messenger app. ) I have contacted XXXX XXXX XXXX XXXX, Citi, US DOJ, South Carolina Attorney General, and CFPB.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: STATE FARM BANK, FSB (IL)

I was a victim of a credit card scheme and I reported fraudulent charges and payments on my card. After being heckled into it and harassed I was told I still owe double the balance on the card. In addition to that my account was closed due to the charge and I was sent a misleading letter to settle the account only to be bombarded with late fees and other charges when I called. When I asked why wasnt I notified on previous calls or sooner I was told I should have received emails. Even though up to the point of the call I had not received not one call, email, text or letter in regards to my card until after I received a letter to settle my account balance.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am trying to add XXXX XXXX on my device my capital one credit card 5100 is giving me error message to contact my bank I have and they refuse to help me to get this resolved all they said is this is ongoing issue and when will it be fixed they dont know I am treated horrible they refuse to fix this issue and concern and they dont give me credit line increases when Im Loyal customer they decline my. Credit cars applications their system immediately it doesnt even try to qualify me I have applied for the savor one and venture and all declined Im treated horible
Consumer complaint received 2019-03-10
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. (OH)

Equifax reporting agency was to dispute inaccurate information from a debt collection company that is incorrectly reported on my credit report. All they did was got hold of the collection company and asked if the information was correct, and that company then told them that it was, so my dispute was not handled. Of course a lying company is going to say yes this information is accurate. I want proof that it is accurate, not the collection company saying sure this person made a payment on such a date, when the payment they are reporting is for XXXX dollars, cause that isn't a payment at all. I want proof of ownership and proof from them with the original credit company of last payment, statements for proof, and when the first delinquency was. I called the original creditor and was told the last payments on their end was from 2010 which is way past statutes of limitations to report. The original creditor has already been removed from my report, and the debt junk buyer is listing the accounts as new and keep reopening them and parking the debt. I tried explaining this to the equifax person and yet they won't get the proof. I faxed the junk buyer and requested in writing the information and they have yet to send it and it has been over 50 days. They can not prove it, because it is past the statutes of limitations. I want my credit report fixed. It is illegal to park debt and yet this company is doing so and equifax is allowing it to continue. XXXX   already removed this junk from my report over a year ago, when the junk collection company couldn't prove this debt as accurate.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (LA)

XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.

I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/2019 I purchased a pre-owned BMW from salesman XXXX XXXX. While signing paperwork she came to me with the XXXX stating the XXXX was clean a couple of days later after playing online to see the resale value it stated XXXX I was shocked to learn the car had been in an accident and the airbags deployed I informed BMW. And her she sent me a paper that was hidden under the XXXX that i signed showing the accident but failed to tell me the car still under warranty and they refuse to back up there product. 

After communication, they did agree to take the vehicle back but refused to take the vehicle back with my mother dropping it off due to me being on extended temporary duties with my job. 

I put a writeup on their page and they responded with a response. 


XXXX, we're sorry if there was any miscommunication. We want you to feel well-informed on the background of your pre-owned vehicle. If you wish to further discuss this issue, please feel free to contact us. We hope you give us another chance to clearly communicate. Thanks again, and please drive safely. ~XXXX XXXX
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (WI)

Can't get a response from the Supervisor.. The Customer service will say the supervisor will call back tomorrow however that never happens. Talked to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and so on. Everyone has a different answer and a different amount to pay. 
If I pay the {$600.00} a month this will be paid of in less than 7 months!! 
With all these problems they are ruining my credit.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc. (OH)

I get a call from this number 3-4 times a week during the day. Automated message, no options to speak to an operator and get me off the list. They give a website and number to call but I'm not comfortable doing that. They say they are a debt collector. I have no debt to collect. I've never had anything in debt collection. I've never gotten written notification from anyone regarding debt collection. My number is registered in the national Do Not Call registry. This is purely spam and needs to stop.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (GA)

Perfection collection is fraudauntly claiming that I owe {$3700.00} to some company called XXXX. I do not know who either of these companies are and did not sign or agree to anything they are. This must be identity theft and they have illegally placed this debt on my XXXX credit report
Consumer complaint received 2019-03-10
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. (HI)

There is an issues with incorrect information on credit reports, but one or two incorrect information is one thing, but when there is a list of incorrect information on credit reports that can only be attributed to either really incompetent data entering from credit bureaus or the credit organization reporting to the credit bureaus, which in this case I believe is both, there is something to be said. 

I tried to look at my credit reports and there is so many incorrect information on them, and when I tried to request my credit report online, then the credit bureaus would not let me access my reports and even show my information incorrectly, and when I tried to correct some of the information, they would not let me correct it, and when I enter my information correctly into their system, they display incorrect information right after I enter it correctly. I hate to say there is something going on that is very wrong here but it seems to me it is bad enough when the credit card companies are taking advantage of customer, but when the credit bureau who should be protecting the consumers no longer do their job or even goes as far as adding on the mistakes of incorrect records, consumers have little to do and maybe if that is the case, the credit agencies who are incorrect and not doing their job in the first place should not have a job.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs kohls credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Consumer complaint received 2019-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On or about XX/XX/2019, I transferred {$420.00} to my mom using Cash App ( an online financial transfer product of Square, Inc. ). After a few days, my mom had not received the transferred funds in her account. 
On or about XX/XX/2019, I tried to contact Cash App ( a service with few available customer support interface options except online ). With limited options ( and few responses ), I filed a dispute with my bank ( XXXX XXXX ). After filing the dispute, we ( my mom and I ) realized the issue ( with the transfer ) was somehow on my mom 's end. 
On or about XX/XX/2019, I cancelled the dispute with my bank. 
On or about XX/XX/2019, my mom was notified that as a result of my initial dispute ( which had been cancelled ), the funds ( {$420.00} ) were being withdrawn by Cash App from mom 's ( checking ) account and would be refunded to me ( the withdrawal from my mom 's account occurred on that date ). As of today 's date ( XX/XX/2019 ), I have not received the refund. 
I have contacted Cash App multiple times ( including sending emails to to Square, Inc. 's CEO and the executive in charge of the Cash App product ). 
According to the information provided by Square/Cash App, a refund was ( allegedly ) initiated by Cash App on XX/XX/2019 ( which doesn't actually match up with the timeline of events as I don't imagine Cash App would have initiated a refund to me prior to having received the returned funds ). 
However, my bank ( XXXX XXXX ) does not have a record of receiving the funds ( from Square/Cash App ) and is unable to locate any information corresponding to the ACH trace number provided. 
I have sent multiple emails, to no avail and I have been forced to file another dispute with my bank. I engage in numerous ( personal ) financial transactions on a monthly basis, including cross-border currency exchanges/conversions, transferring funds between different financial institutions, etc. ( as well as generally returning merchandise I have purchased using credit cards ). I don't recall having this many problems and/or spending this much time on what is a relatively insignificant amount of money.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stallings Financial Group, Inc. (GA)

Stallings financial group a collection company sent me a bill saying the creditor : XXXX XXXX XXXX XXXX XXXX that I owe them XXXX dollars I called them it's from a visit from the emergency room doctor I explain to them every month I pay on my hospital bill I haven't received a separate bill from a doctor saying that I owe the doctor that seen me Stalling financial group want me to send them a payment which I don't now anything about I don't old them this company say they got three debts that I suppose to owe I don't now nothing about I haven't received any bills in the mail or phone calls from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one bank usa na # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XXXX XXXX I am a authorized account // I didn been late at this account ... and I got in my report that im late for 30 days /// and they will removed by XX/XX/XXXX I need that information removed on my credit report I have a excellent report
Consumer complaint received 2019-05-30
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: Midwest Recovery Systems (UT)

On XX/XX/2019 it says that I applied for a loan and bows it went to collections. The amount is XXXX I never applied for the loan. Someone stole my social security number and are using my name. I want this to stopped now.
Consumer complaint received 2019-05-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (FL)

This is what happened with first company XXXX sold to new company and never received notification via mail they are adding g insult to injury doubling the price again read below also refuse to provide agreement with company : Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!