davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened a secured credit card with Capital One Bank in XXXX of XXXX and gave them a several deposits totaling {$600.00}. Therefore, my limit was {$600.00}. I closed the account on XX/XX/XXXX and they are only refunding {$450.00}. They say the reason is that they can not locate all of the deposits. They are withholding {$150.00} due me.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have disputed an account with XXXX that seems to be reporting incorrectly, but they have ignored my attempts. I am asking Citibank as the furnisher of this information to contact the credit bureau and have this account updated. XXXX and XXXX are not reporting a late payment or collection status so I am confused as to why XXXX is reporting such information when all data furnished should be the same. Also, this account was paid and was never a collection. There was miscommunication about a shortage of {$10.00} that was resolved, and the account was closed. At this time, I am not seeking any monetary compensation, but I am requesting that this inaccurate information be corrected immediately. I will attach my credit report to show the inaccuracies.
Consumer complaint received 2021-11-13
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: Summit A*R, Inc. (FL)

On XX/XX/2021, Summit Account Resolution added a derogatory mark on my credit report per XXXX and XXXX. Upon further research, the account was transferred/ sold and I am no longer responsible for the account. A certified Debt Validation letter was delivered on XX/XX/2021 and in response, I received a bill. On XX/XX/2021 a second certified Debt Validation letter was sent. Debtors Creditor did not verify this debt. Also, there was NO written form of communications, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Summit Account Resolution, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (IL)

On XX/XX/XXXX I had XXXX XXXX install Phone and internet service. In XX/XX/XXXX, I decided to change to a different service provider. I then started to receive bills for " early termination fees ''. I contacted the company, because I never signed a contract with them and asked me to send me copy of the supposed contract. It took several months and several phone calls for them to send " a contract '' to my email. XXXX sent a copy of a contract with a digital signature. This is absolutely NOT MY SIGNATURE! not even close. I tried disputing with them and investigating with not much communication from them. XXXX turned me into collection agency and I have called and mailed several letters of dispute. 2 attached letters state that they have received my letter of dispute. They apparently do not investigate, and just ask XXXX if I owe money, they say yes, then that is it. I lose because I am an individual and they are a company. I did not sign a contract. They should not be able to collect money from a forged signature either. Also right above the forged signature, it states 24 month commitment. the fine print states different. I do not owe {$760.00} cancellation fees. I did not sign a contract! Please help!
Consumer complaint received 2019-11-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NC)

Re wells Fargo bank response to me on the phone yesterday XX/XX/XXXX at XXXX XXXX. As per XXXX and XXXX they could not identify any accounts that I opened originally XXXX with XXXX  XXXX  which merged with XXXX XXXX  which I banked at regularly in XXXX XXXX XXXX  XXXX XXXX. XXXX specifically stated to me ( it was recorded and documented by both XXXX and then transferred to XXXX in the wells Fargo specialty division wells Fargo bank. XXXX asked me what phone number was in my accounts I replied XXXX and I replied are any of these numbers on my files XXXX or XXXX or XXXX OR " XXXX XXXX XXXX '' XXXX stated that none of those numbers has ever been used on any of my accounts. FALSE. I have proof attached that Wells Fargo bank sent as a response letter thru this CFPB portal federal agency - of a application of sort from a Ready reserve college account IDENTIFYING ME AS MYSELF XXXX XXXX XXXX AND THE ACCOUNT NUMBER OF XXXX XXXX  AT XXXX XXXX XXXX  XXXX VA XXXX ENDING IN XXXX as documented proof of the documents sent to the cfpb and attached on this continued complaint since XXXX XXXX to Wells Fargo XXXX XXXX XXXX XXXX  XXXX va in person of having accounts with wells Fargo bank holding my solely owned monies of approx XXXX XXXX DOLLARS PLUS XXXX XXXX DOLLARS DEPOSITED VIA XXXX issued checks in my names of XXXX XXXX XXXX XXXX XXXX plus my social security XXXX checks of approx XXXX XXXX lump sum in XXXX and continued monthly deposits from then until XXXX. ( SSA dda  accounts are a issue also still ) THE PHONE NUMBER ON THIS ACCOUNT APPLICATION WAS. " XXXX XXXX XXXX ''. Please obtain the phone recording of my phone conversations of yesterday XX/XX/XXXX to your Wells Fargo account rep specialists thru wells Fargo customer service main # XXXX XXXX AND XXXX. I gave them numerous account numbers to research I was told BY XXXX SHE COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION ON ALL THESE ACCOUNTS. I was told that I needed to go to wells Fargo bank and show a ID. I have done that and a whole lot more wells Fargo ( we are talking about a human beings life savings of 60 years ) ... .since XXXX reporting of fraud and identity theft to the XXXX  XXXX   XXXX  manager at the XXXX bank location. I was told then I had XXXX money on any account. I am requesting production of the documents relating to to the attached XXXX XXXX /wells Fargo account ending in XXXX and coded at the XXXX XXXX office of Wells Fargo and a accounting of my life savings held and trusted by the bank of my choice for 30 years ... yes I said 30 Years!!! and allowed to be transferred into some other entity control and not assisting me originally in XXXX XXXX THRU PRESENT DATE when the chain of events took place of My identity theft on my person and my solely owned monies at Wells Fargo XXXX XXXX XXXX XXXX XXXX  XXXX va. My identity theft still remains registered with the Federal Trade Commission . 
Thank you
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (NY)

I wrote to Phillips and Cohen assoc ltd located in XXXX DE at the direction of XXXX as XXXX said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( Phillips and Cohen ) a letter XX/XX/2022, and XX/XX/2022 and to XXXX themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I XXXX XXXX have finished putting my daughter through college. There are several loans now serviced through NELNET. I have been harassed for months now, even though all of these loans should still be in deferment. Accordingly, since there has been several different criteria as to how much my payments will be, I request the following : 1 ) A cease and desist on all telephone calls from NELNET, since these calls are abusive and without constructive merit. 

2 ) That all loans go into an immediate deferment until XX/XX/2020. 


3 ) That I will be granted a consolidation of all loans with a reduction in interest rate to 3 %, and with a 15-year payment term. 

My request are reasonable under the circumstances.
Consumer complaint received 2021-11-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CO)

We applied and used the forbearance period during covid-19 due to my wife position being eliminated. After the forbearance ended we are able to resume our mortgage payments and move forward, LoancareXXXX XXXX sent me a plan package that raised my interest rate from 3 % to 3.5 % and told me I had to make three payments at an elevated rate. In their plan they said I had the right to appeal which I did. After not hearing back from them at the end of the month I called them and was told even though it said that in the contract I was not allowed to appeal and had to make my first payment by the end of the month. I have now made 6 payments at their elevated interest rate and now they sent me loan modification agreement which outlines mothing, doesn't show my payments and increases my mortgage loan amount by {$30000.00}. I have called four time between XXXX and XXXX requesting hep and each time I am told a loan expert will call me back within 5 days. I have never received a call from them to date.
Consumer complaint received 2019-09-26
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: Experian Information Solutions Inc. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-04-19
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. (FL)

i was notified that XXXX made an inquiry into my credit report. 

the credit report proves that XXXX made the inquiry and thereby obtained personal private confidential information. 

i never requested an inquiry from XXXX there is no reason for XXXX to make an inquiry. 

all of my debts were discharged in a XX/XX/2014 bankruptcy. since then i have NOT applied for credit or made any other request of XXXX therefore XXXX has obtained personal private confidential information illegally.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XX/XX/XXXX, I was offered a balance transfer promotion by Capital One. I requested the balance transfer for the amount of {$2700.00}, it was supposed to go to my XXXX XXXX account. I noticed it hadn't gone through, but I gave it a few weeks as I know sometimes processing takes longer. 

The balance was never transferred into my XXXX XXXX account. On XX/XX/2020, there is a electronic transfer charge on my Capital One statement. However, the money never appeared in my XXXX account. I have been calling to resolve this for almost two years now with no luck. I've gotten Capital One representatives on the phone with XXXX representatives and tried every method possible to resolve this matter. I ended up paying off the XXXX account, but Capital One never reversed it on their end, so I have been paying this amount in order not to default on my account. I am basically paying the amount twice with interest at this point. 

Capital One requested documentation and said they would start an investigation. These investigations went nowhere and no one contacted me with updates -- I only got them if I called. This was during a pandemic when I was a XX/XX/XXXX, a XX/XX/XXXX, had to hospitalize my mother, helped my grandparents overcome XXXX, buried my grandfather in law and took my mother in law to XXXX appointments. I still made the best effort I could to provide them with the information to clear it up. They claim they can not reverse the transfer because they don't know the account it went to, but in my first ever call on this matter, the representative told me the last four digits of the account it went to -- they were only slightly different from mine, with two of the digits reversed in order. 

My last communication with them was that they couldn't resolve it because XXXX hadn't responded to them. The representative told me they would send me a letter to attest to that so that I could contact XXXX. When I received the letter, it only said that they weren't able to help me with my request -- nothing that would indicate to XXXX that they had tried to communicate and needed information. I have spend two of my most difficult years trying to resolve this issue, and am now paying a balance I technically do not owe. Please help me resolve this.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Both cases have been Vacated and the credit bureaus will not take the accounts off my credit report XXXX, XXXX, and XXXX. Please help me to remove them. Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney XXXX XXXX XXXX ( XXXX ) XXXX XXXX Plaintiff N/A XXXX XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Counsel Statement of Costs Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Judgment Default Signed XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$200.00} Costs XXXX  : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$1900.00} Principal XXXX  : XXXX XXXX XXXX XX/XX/XXXX Vacated Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney MIDLAND FUNDING LLC Plaintiff N/A XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Statement of Costs Filed by Plaintiff XX/XX/XXXX Judgment Default Issued/Ordered XX/XX/XXXX Motion Vacate Filed by Plaintiff XX/XX/XXXX Order Vacate Issued/Ordered XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX Vacated XX/XX/XXXX Vacated
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

TV is everything in accordance with The Fair Credit Report act Convergent account, XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

I had a Citi Card XXXX account the balance for which I have always paid by the due date. On XXXX XXXX, XXXX, I received an urgent call and text message about a possible security breach on the account. I called the customer service office and was informed of XXXX charges on the account ( XXXX from the same company ) for purchases I had not made. When I confirmed that these charges were not mine, the customer service representative told me that Citi Card was closing my account. I objected arguing that this action would cause significant problems because of my automatic payment creditors. But the customer service representative would not budge. I then asked to speak to a supervisor and was transferred to XXXX. As I had told the previous customer service representative, I told XXXX I check my account every week so I could quickly inform them of any security breach. But he said the company policy required the closing of the account. And again, XXXX refused to reconsider his decision when I complained about the automatic payments. When XXXX would not change the decision, I asked for a refund of the remaining portion of my annual membership fee. XXXX explicitly told me I would receive a refund of that amount. 
Citi Card closed my account on XXXX XXXX, XXXX but never refunded my membership fee. 
I, then, engaged in a lengthy back-and-forth with the Customer Service Department at Citi Cards. At first, the representatives simply ignored my complaint. Then I received a response that my request was untimely because refunds were only possible within 30 days from the mailing of the statement with that charge. ( I was charged {$95.00} on XXXX XXXX, XXXX ). When I reiterated that Citi Card 's supervisor XXXX had told me the unused portion of the fee would be reimbursed, I received a message apologizing for the " incorrect information you received. '' Then, when I asked if Citi Cards was acknowledging that XXXX had made a misrepresentation, I received a message from XXXX, a senior account specialist, who asserted that " Our records do not show that you were advised that the membership fee would be credited. ''
Consumer complaint received 2021-11-13
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. (GA)

XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.