davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX I made an online purchase at XXXX with my Chase card XXXX for {$1100.00} and I chose the option to pay extra to have my products overnight shipped to me knowing that I would be going to work I am a XXXX XXXX XXXX and not be home for a couple of days and my shipment was delayed and I tried to cancel the order through email and phone call before the order be sent out And I was unsuccessful with reaching them by phone I emailed multiple times I didnt receive an email until days later and was told that the package was still delivered and I have no knowledge of where the packages or where it was delivered I opened a dispute with my bank and XXXX neither was helpful
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

I received a notification that I could use my Best Buy/Citicard for 6 months no interest. The email did not indicate it was only at bestbuy. They also email people and indicate higher rewards for a specific time frame which they do not honor. I spoke to an individual today whose name was XXXX ( or so she said ) and apologized for the misunderstanding. There is no misunderstanding. It's intentional fraud. I can not talk to the issuer Citibank as they have relinquished all servicing to BestBuy.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I pulled my consumer report and noticed your company pulled my report without my permission. No consent is identity theft. Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$1000.00} } per 15 U.S.C 1681n. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OR)

I was mailed a card I did not apy for the card came in my name asking for my social name phone and address when my husband received one too and did not apply he called Citi bank and they said we needed to report a fraud claim
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I applied with this company last week. 
The first problem they pulled my credit two times for one application. 
Second they told me I was approved, then told me I was declined, then told me I was approved and sent me an email stating the approval. Now tonight I find a car that fights the approval and I was told after leaving the dealership and placing my Deposit that Im declined. No one in this company has patience or give true and correct information. This is so frustrating and embarrassing. I need solid answers, not only that the apr changed.
Consumer complaint received 2021-01-05
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: Lewis, McDonnell & Associates (TX)

After my divorce in XXXX, my credit was ruined. I was able to bring it up to XXXX by XXXX. However, in XX/XX/XXXX a debt buyer, LEWIS MCDONNELL & ASSO, started reporting an unpaid account to the bureaus, which is not mine. It says the original creditor is XXXX XXXX XXXX, which I have never had an account with, and no longer exists from what I can tell. I've found websites and stories about XXXX XXXX XXXX  changing their name & /or being sold, which included the names of companies that I have had accounts with in the past ; XXXX  and XXXX  . I have contacted the two companies that I have had accounts with in the past to see if they are related to this XXXX XXXX XXXX  ( original ) creditor, and they are not. 
According to my credit report, LEWIS MCDONNELL & ASSO claims that the " Original loan amount '' is {$1600.00}, with a current balance of {$2300.00}, as of XX/XX/XXXX. It lists nothing about the Date of First Delinquency, the Date of Major Delinquency, or anything else. 
And according to XXXX, XXXX XXXX XXXX  charged off this account on XX/XX/XXXX. And LEWIS MCDONNELL & ASSO picked it up ( from who knows ) on XX/XX/XXXX. Also according to XXXX, once I disputed this account in XX/XX/XXXX, their investigation resulted in a " certified '' claim, which means that when asked for confirmation, LEWIS MCDONNELL & ASSO simply stated that they show this account in their records, which ultimately confirms the account exists. As explained to me by XXXX, when a dispute is initiated, all that means is, is that they inquire about the account, and if it appears in their system, it is considered legitimate. That said, you can dispute an account that does not belong to you, but the company that is reporting the claim simply has to confirm the account exists, rather than to confirm the owner of the credit report actually entered into an agreement with that company or not. This is wrong in every way. It is unethical, immoral, and downright criminal. 
So, as it sits, an account was opened 6+ years ago in my name with a company that no longer exists, and somehow a random debt buyer has the right to report false claims to my credit report and ruin my life without providing, much less having, any proof of a contract that I ever entered into to pay a debt of any kind. 
How is this even possible?? What are my rights? I can't make an untrue statement about an individual because it is considered slander. But some random company can report that I owe them money and have refused to pay it for years, and without repercussion? I demand, as an American citizen and taxpayer that this be overturned and resolved immediately. LEWIS MCDONNELL & ASSO must be required to provide a contract that proves that I agreed to pay a debt to them, as well as, defaulted on it.
Consumer complaint received 2021-01-05
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. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  / XXXX, XXXX XXXX XXXX, XXXX XXXX I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

I have been attempting to work with Ally to get this issue mitigated and was promised a resolution at end of XXXX but it just keeps getting worse. Ally incorrectly made an extra property tax payment in XXXX ( after missing to pay a payment ) that resulted in a negative balance to my escrow account and my annual interest statement being incorrect. This has also negativity impacted my new escrow statement and increased my payments. I've requested Ally to resolve by applying the incorrect tax payment which was refunded to them by the county to my escrow account. This finally occurred last week. I was told I would be refunded the resulting overage to my escrow account. This has not happened. Nor was this overage reflected on my escrow true up statement for the upcoming year. Instead on Friday I noticed that Ally made 2 property tax payments this week - one was correct and the other was not due until XXXX. 
Instead of responding to my request for an update they made a reference to my XXXX information. I did not have a mortgage with them in XXXX. 
I am getting no answers from Ally. They keep mailing me the same information over and over ( literally the same printout repetitively ) and provide no updates.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Afni debt collectors are trying to collect a debt that I do not owe. Moreover, this false debt was previously placed on my credit report and removed after I contacted the CFPB where XXXX XXXX XXXX acknowledged that this debt was placed in error and I did not owe anything. Over a year later AFNI must have bought this false debt ( that was removed ) and are trying to collect on false information. They have lowered my credit score in all 3 bureaus by 65 points for a debt I do not owe.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I had a transaction fail on the Coinbase exchange on XX/XX/XXXX for 2 {$500.00} dollar deposits. I have now made sure that I was able to cover and I can but I can't reinstate my bank account on the Coinbase app and I am being refused to trade and interact with my money on the exchange. I am essentially stuck amid the increase in XXXXXXXX XXXX price. The company lacks capable customer support and is slowly responding to emails and XXXX posts. I just desire a resolution to this situation. 
I have already addressed it with my bank and they said that my deposits went through so I am unsure as to what the problem truly is. 
The case numbers are Case # XXXX and Case # XXXX. I am hoping to see this resolved in the near future and will not be doing business with Coinbase again.
Consumer complaint received 2021-01-05
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. (GA)

The company is using this response as a stall tactic because they are unable to verify inaccurate information that they are reporting on my credit file. I demand that the items I disputed to be removed immediately because experian is in violation of the credit reporting act
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

My credit was illegally ran by CarMax at about XXXX pst without my permission on XX/XX/21. I asked if my credit was being ran and I was told NO. This is criminal and illegal. It happened with XXXX in the CarMax XXXX Cust Srv Call Center on XX/XX/21. I found out only because I receive real time alerts on my phone from XXXX. I only called in to CarMax to schedule a test drive. When I realized my credit was ran AND no test drive would be set up, I asked to speak to a manager. I was transferred to the XXXX CarMax location to XXXX, a sales manager. 

I spoke to XXXX, the sales manager at the XXXX center, who was rude and not helpful! My credit has been ran multiple times through multiple banks due to this even though I ALREADY HAD A PRE APPROVAL FROM MY BANK! I was told I was being set up for a test drive while all the while CarMax was collecting information to run my credit! 

Please pull the call center call records as proof! My credit score has been damaged by this. Unacceptable.
Consumer complaint received 2021-03-21
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: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint #. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize
Consumer complaint received 2021-03-21
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: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX I was notified via my Robinhood Brokerage Account App of activity on my Debit Card associated with my brokerage account. I noticed 7 transactions that I did not make. I had my card in my possession at the time ; however someone was able to obtain my debit card information and charged {$120.00} + {$110.00} at the cash register and {$200.00}, {$300.00}, {$200.00} {$300.00} from the ATM at a XXXX supermarket in XXXX XXXX. They also attempted one declined ATM transaction of {$200.00}, as well. The total fraudulent charges was {$1200.00}. 

Immediately after noticing the fraudulent charges, I reported my card stolen to Robinhood and filed a claim for the 6 fraudulent charges. Robinhood has ZERO phone support and I have emailed them numerous times between XX/XX/XXXX and today to obtain a quick resolution to the fraud on my account. I was finally emailed back on XX/XX/XXXX by Robinhood only to tell me that all 6 of my fraud claims were denied by my Robinhood brokerage account. I was never able to speak to single human being and all emails have been automated. My case was not properly reviewed and handled by Robinhood so I am writing now to report this. These 6 charges on my account were absolutely fraud!! Robinhood does not have phone customer service so that I can not properly appeal this decision with a human being and re-open my claim. 

Today, I filed a police report in the City of XXXX XXXX regarding this identity theft, as well.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

I sent a debt validation letter for a medical account via certified mail ( XX/XX/2020 ) requesting : 1. A copy of their bond and license to collect in TX 2. A copy of the agreement authorizing authorizing the company to collect the debt 3. An accounting statement of the amount owed 4. A copy of an agreement with my signature confirming acceptance of the debt 5. The name and address of the original creditor. I did not receive any of the requested information. I received a copy of a demographic information printout. The printout had " RSC {$1700.00} '' handwritten on it. I sent a reply via certified mail ( XX/XX/2020 ) stating my request was not fulfilled and none of the information from my request was provided. I received a reply basically stating that was verification and they wouldn't provide any additional information. They have since marked this account as closed and are still reporting it to the credit bureaus. I have attached a copy of the letters sent and the response.
Consumer complaint received 2021-03-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

We are selling our home when we first bought the home in XX/XX/XXXX we got a first ( {$210000.00} Citi Mortgage ) and a second ( {$52000.00} Citibank ) on the home. A few years later we went into financial hardship and filed chapter XXXX BK and also went through a loan modification XX/XX/XXXX-XX/XX/XXXX. During this period our second on the home we thought was included in the loan modification because we never made any other payments to Citibank/ Citi Mortgage.over the next 11 years we have built up our financial portfolio and we are now a strong credit worthy couple. We are attempting to sell our house and move closer to grandkids. During the process it was discovered that our second from XX/XX/XXXX with Citibank/ Citi Mortgage is still out there or it may have been forgiven during the time period under the Obama administration. We do not have any paperwork in regards to anything for the second deed of trust. We have all of our taxes from XXXX to current and the last year we have a 1098 on the second is from Citibank/ Citi Mortgage XXXX. In XXXX we only have Citibank/ Citi mortgage XX/XX/XXXXon our first deed of trust. 

Since we discovered the issue of the missing second deed of trust we have placed phone calls with Citibank/ Citi Mortgage , XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX All companies in which the loan had been sold to over the years. This paper trail is from the first mortgage only. None of the companies listed above have any documentation of the loan, or me in their system. 

We contacted our attorney and requested all of our paperwork for our BK. The second deed of trust is listed in the paperwork as a asset or debt on the home but it was not included in the chapter XXXX BK. Citibank/ Citi Mortgage does not have a customer service for passed or lost deeds so a written request was submitted to their legal department with no phone number to follow up with. As of this writing we have not heard back from them. We have spent countless hours trying to find out any information on this missing note. We are more then willing to pay it off if we owe it. We desperately need someone's help in getting us in contact with someone from the legal department of Citibank/ Citi Mortgage. We want to resolve this issue so we can move with our lives.
Consumer complaint received 2021-03-21
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. (PA)

I just received an updated credit report from Experian. Upon review, I noticed inaccurate and incomplete information still reporting. I circled the information in the attachment. I have been disputing a bankruptcy that has been reporting incomplete and inaccurate information and Experian has failed to consider the evidence. The same with the account XXXX reporting a different bankruptcy type than the bankruptcy that is reporting. There are no financial accounts attached to the bankruptcy. To file bankruptcy you must have delinquent accounts and amounts. To report information on my credit file you must get information from the source. Not third-party sources such as XXXX per FCRA. Third-party sources gather information period without verification. How is anything verified through them? I contacted the bankruptcy court which they sent me a letter stating they do not share personal information. So how is it verified? XXXX has removed the inaccurate information I sent proof of that and Experian and XXXX refused to remove it and violated my rights as a consumer. I requested XXXX to please remove the personal statement that is appearing on my credit file and they still haven't removed it. I attached it to this complaint. Please remove the statement from the personal statement section of my credit file.
Consumer complaint received 2021-01-05
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: Resurgent Capital Services L.P. (IL)

On XXXX XXXX LVNV FUNDING added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. LVNV FUNDING did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I submitted my mortgage application for refinancing in XX/XX/2020. 7 times contacted with mortgage broker, 3 times with NEWREZ customer service. No calls back or responses. 
Now, after 3 months of time waste interest rates went up. I suspect fraud or neglect and want to be compensated for my time and horrible customer service/ unprofessionalism/ customer neglect and money loss. 
Broker information : NEWREZ XXXX XXXX XXXX XXXX NMLS # XXXX Phone number XXXX
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.