davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (GA)

I received correspondence from several attorneys that Jefferson Capital has filed a civil suit against me. In XX/XX/2019 I disputed an account with Jefferson Capital for a XXXX account they were trying to collect on they failed to prove the account was mines which resulted in the account being removed from all three of the credit Bureau. Since the removal of the account Jefferson Capital have never made any additional attempt to collect on the debt. So on XX/XX/XXXX I received some random mail from several attorneys that Jefferson capital filed a lawsuit against me, I immediately called Jefferson capital and spoke with a representative in the litigation department. When I asked her to explain to me why Im being sued if they removed the account and stopped collected on the account months ago she couldnt answer my questions. She then transferred me to the dispute Dept who I then spoke with a manager who couldnt explained to me why I was being sued if they had stop collecting on the account. The manager then told me she will send a email to the litigation Dept manager to give me a call back as they will be the better Dept to explain to me why Im being sued. No one have called me back. I have called on multiple occasions and spoken to multiple reps who keep transferring me to other departments because no one can answer the question as to why Im being sued. I was even transferred to the direct attorneys voicemail and I left a voicemail for them to call me back and still no one have called me back. On XX/XX/XXXX my wife told me that an officer came to the house looking for me to try give me papers from the lawsuit. I then called Jefferson captial once again and still no one is able to give me any resolution
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (FL)

FCI purchased my mortgage from XXXX in XXXX. After the company FCI took over, they added {$30000.00} to what I owed on the house. FCI awarded themselves {$30000.00} by adding it to my mortgage, this was illegal. After FCI purchased my mortgage from XXXX and added {$30000.00}, I had to file for XXXXXXXX XXXX  bankruptcy to save my home. When I filed XXXX XXXX in XXXX, the escrow payment was included in bankruptcy payment. FCI decided to stop paying the escrows ( taxes and insurance ) and sold the mortgage back to XXXX. In XXXX of XXXX, XXXX stated they had to raise my Mortgage payment by {$800.00} because of escrow shortage. FCI never told my attorney, my trustee or myself they will stop paying escrow. The Trustee is suppose to know FCI stopped escrow, including my attorney and myself. The payment was with escrow when I started XXXX XXXX payments with escrow, that was the bargain between XXXXXXXX XXXX and mortgage company. If you notice, FCI and XXXX has been tossing each other my mortgage back and forth to raise the monies I owe on my home, breaking many lending practices. I would like to see the {$30000.00} of what I owe and escrow shortage to be corrected. THIS IS FRAUD!
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IA)

I opened an account and they continue to charge me outrageous amounts of interest and return check fees even though my checks were never returned!! I spoke to a customer service representative who told me that my account was clos ed and that it was a mistake and so that it was on there and but there was no way they could fix it!
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

Someone used my XXXX XXXX to conduct international foreign exchange, which caused my property loss, and conducted foreign exchange through two different bank cards. This fraudulent person used different foreign exchange applications to fraudulent foreign exchange from two bank cards, respectively. I used XXXX XXXX, XXXX, and XXXX. I separately reported fraud to two financial institutions By XX/XX/XXXX. Discover Bank has updated my unauthorized amount to my bank account and helped me replace the new bank account and bank card. The fraudulent amount was {$3700.00}
Consumer complaint received 2022-11-12
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. (TN)

XXXX XXXX XXXX customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

I have received a letter from MRS Associates stating that I owe XXXX the sum of {$1600.00} dollars for a debt I have no knowledge of. I called that company and asked how was that possible when I have never purchased any goods from XXXX nor I had received any letters saying I was in debt with the latter. 

an MRS representative then explained that I had to call XXXX to a number no one answers. 

I was then directed to a XXXX website where is asking for me to file a police report. I don't have any details to provide to the police as I don't know what is the debt for.

MRS Case number : XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inquiry I have no knowledge of Inquiries that occurred on my consumerreport. I want these Inquiries deleted from my consumer report immediately. 
Thankyou
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed this debt with Portfolio Recovery, and they considered it validated because, as they stated they meet FCRA requirements. However my privacy has been violated! 


I never gave permission to have access to my information. How is that legal? My consumer privacy rights have been violated. Portfolio Recovery needs to be deleted immediately.
Consumer complaint received 2021-07-28
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 am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have deposited a total of {$1300.00} into Bank of America ATM # XXXX - XXXX XXXX, XXXX. The ATM only credited {$1000.00} and refused to accept {$6.00}. I am missing {$340.00}. Bank of America keeps sending from department to department with no resolution.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (NY)

I never received any notice about this debt in the mail. The company has not contacted me by phone or by mail in regards to this debt. The debt just appeared on my credit report and I do not know where it came from. I have never had an account with the company claiming I owe them this debt. They are claiming I opened an account on XX/XX/2023, but I was out of the country during this time and did not visit this theme park at all.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

Account closed with money in it, also kept contacting bank & other company about money coming out of my account without authorization & after subscriptions were canceled/closed. My credit history has been affected because of that as well. I now only have 1 Bank account with wells fargo, my business banking & savings were closed.
Consumer complaint received 2019-12-14
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. (NJ)

I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2021-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

While travelling I purchased some food at an airport XXXX  prior to boarding my plane. This purchase was on XX/XX/2021 for {$15.00}. Time was tight so I had to rush to the plane and did not check what was in the food bag until the plane was already taxiing on the runway. At that time, I discovered that I was missing ~1/2 of the food that I ordered. 

I called Capital One in early XXXX ( unsure of exact date ) to file a dispute. The person I spoke with said they would be sending out some paperwork that I would need to fill out to complete the dispute. I never received this paperwork ( and I have USPS informed delivery so was able to confirm by looking at images of all the mail that came by way ). 

A few days ago ( XX/XX/XXXX ), the original charge was reposted so I called back to see what the problem was. The person I spoke with told me to write up something in XXXX that details the situation and upload to the online system. I promptly typed it up and loaded into the online system. 

Today, I received online correspondence that they were declining my claim for not providing the requested information ( I provided exactly what was asked when I spoke to the service agent a couple days ago ). I called in again today to see what the problem was and how to resolve it. They sent me a link to an additional information document that I've now filled out and uploaded again. 

So now, it's ~1 month since the disputed charge. I've spoken to 3 different people and uploaded 5 different documents. I feel this is an extremely unreasonable amount of effort and hassle for a charge that was < {$20.00}. I've had far easier dispute processes with literally every other bank that I've worked with and those included amounts that were significantly larger.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/XXXX we made our monthly payment by bank e-check to Mr. Cooper. 
XX/XX/XXXX - Looks like they haven't cashed my check that should have arrived XX/XX/XXXX. 
Called and spoke to " XXXX '' who said that they are now asking people to send in checks and maybe they just haven't gotten to mine yet. Made a note not to charge me a fee. 
XX/XX/XXXX - XXXX -They weren't able to take electronic bill pay this month so they will not be charging me a fee for late payment. 
XX/XX/XXXX - Followed up with a text message on their site re : XXXX Mortgage XX/XX/XXXX - Called again about mortgage and they said I should cancel with my bank and send another check. Sent check for {$3800.00}. 
XX/XX/XXXX - Talked to XXXX who said that they back dated the XX/XX/XXXX payment to apply to the XXXX payment that was MIA. I got an email saying that XXXX  thought I was delinquent. XXXX says that I am not. I am insisting that they contact XXXX  and the other credit companies to clarify. Submitted a request to the Research Team to look into any thing submitted to XXXX, will make sure that anything is redacted if necessary. 7-10 Business Days. Might take a month to see the change on the credit report. Anyone in the call center can view the case and see the status. 
Talked to XXXX XXXX and got her number and email. Emailed her XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and left message XX/XX/XXXX. 
XX/XX/XXXX Credit data still indicates that we are delinquent on payment, reducing our credit rating by 170 points. XXXX, says XXXX nor XXXX filed a case. Says that no one talks to customers in the research department, but I can email XXXX. She is now filing a case. Will get a email notice from their research department 24-48 hours from now. 
Sent an email to file a complaint- XXXX as well as to the Research Department XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, Citi located XXXX XXXX XXXX, XXXX XXXX, SD XXXX denied my application for a XXXX XXXX XXXX XXXX XXXX XXXX. The reasons stated : " Too many recent credit inquiries were recorded on your credit bureau report. ''
Consumer complaint received 2021-07-29
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. (FL)

The following account is a fraud account as I have never opened or used it : XXXX XXXX XXXX account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.
Consumer complaint received 2021-07-29
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. (FL)

The following account is a fraud account as I have never opened or used it : XXXX XXXX XXXX account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.
Consumer complaint received 2021-07-29
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: Bread Financial Holdings, Inc. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I would like to formally dispute the interest rate I am being charged on USAA credit card. I formally mailed the complaint 8 weeks ago and have called several times, getting bounced between credit card servicing and application. Noone can give me straight answers on why this has happened. They only tell me I need to keep requesting new cards to see what my new interest rate would be. 

My husband and I have the same credit history & address for the last 10 years. We recently applied for an investment mortgage and USAA sent our credit scores. My credit score is higher than his and has been at least that or equal to his throughout our marriage ; however, his USAA credit card ( same product as mine ) is HALF of what mine is. 

We both have and called in to customer service agents and have gotten all kinds of reasons why they are materially different. However, given the facts, I can only surmise that it is because I am female- which is tantamount to discrimination.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I paid off the full balance of my Capital One Credit Card. The balance was {$2600.00} and the account was ALWAYS paid on or before the due date. We are a XXXX  military family and it is a major accomplishment to pay them off. Anyway after paying the bill off entirely I get another bill for {$35.00}. This was amazing to me as I had had no activity on the card and expected a {$0.00} bill. So I called them directly and spoke to 2 customer service agents who refused to remove the charge citing additional interest charges. I told them to simply invoke a one time courtesy adjustment and they refused. Now I am refusing to pay it.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into best buy trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos macy and XXXX dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.