davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I a partial payment of {$400.00} for my mortgage with XXXX XXXX XXXX XXXX  on XX/XX/2018. Capital One Bank didnt process the payment. It was not reflected on my account statement. As a result, I was charged a lot of fee with XXXX XXXX XXXX XXXX. My mortgage even when to a foreclose because of this. I want to be compensated for this BIG error.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have a XXXX mortgage and my servicer is Specialized Loan Servicing in XXXX. I had requested a XXXX month XXXX/financial related forbearance for XXXX payments, XXXX through XXXX of XXXX and I advised the servicer I would be able to make full payments again in XXXX of XXXX. I had contacted XXXX XXXX prior to my request to see what options were available and according to XXXX XXXX I was entitled to a maximum of XXXX months of forbearance and that I could also have these XXXX payments simply deferred until the lien was either refinanced or the home was sold without a formal Loan Modification. I made it clear I would make every attempt to repay these XXXX payments much sooner than this scenario. 

I attempted to make a full payment as promised on Monday XX/XX/2022 and I always use the online services of the servicers website. Every available payment option has been blocked from me to use without any explanation and I have repeatedly called the numbers I have to reach this servicer and I can never be connected through to the supposed representative assigned to my account. Its unacceptable that even after faxing my requests and copies of correspondence sent to this servicer previously I get no answers. 

I will file chapter XXXX bankruptcy as an option if I have to, to send this XXXX loan servicer a message, and Ill get a XXXX month plan to repay the past due payments which will amount to approximately XXXX a month plus a normal monthly mortgage payment. 

This servicer is intentionally ignoring XXXX investor servicing guidelines and Im not your typical mortgagor as I am a XXXX XXXX XXXX man with a prior XXXX year career as a mortgage servicing operations manager and Loss Mitigation Manager for some of the biggest banks and mortgage companies in the business. 

It is unacceptable that XXXX will not simply defer these payments pursuant to XXXX XXXX servicing guidelines.
Consumer complaint received 2020-12-22
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. (FL)

After reviewing my credit profile I noticed that I have several fraudulent accounts reporting on my credit profile.The following accounts below are fraudulent XXXX : XXXX XXXX Account number-XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX JXXXX - CARD SERVICE Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Transunion : XXXX Account XXXX Date openedXX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX XXXX Account number XXXX Date openedSep XXXX, XXXX XX/XX/XXXX XXXX Account number XXXX Date openedXX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CARD Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-18
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. (NC)

On XX/XX/XXXX I purchased orthotics from the XXXX XXXX XXXX XXXX XXXX  Store in XXXX XXXX XXXX SC at a cost if {$1700.00}. I realized that was much to costly fir off the rack orthotics. When i got home ( NC ) i looked at my receipt for XXXX Return policy. There was no mention of Returns. I went on their website foe instructions- all I found were complaints about this company being extremely difficult to get money back, if at all. I called Citibank customer service immediately for advice. I was told they would cancel the card ( ending XXXX ). On XX/XX/XXXX, i took allmerchandise back to the store, they checked the bag and boxes to ensure all products were- they were going to return the {$1700.00} to the Citibank. I explained that based on the horrible Return practices noted on their website that the account was closed. They gave me a receipt doe {$1600.00} .... I checked my Citicard and found that Citibank gave me a new account and put the {$1700.00} on that card! i called them immediately to alert them to their error. to make matters worse, they started a dispute under FRAUD ( not true ) I got a letter from Citibank that they found no evidence of fraud and i owed {$1700.00}. immediately called Citibank and they changed to bill discrepency. Ive been to the XXXX  store 3 times and they say they haven't heard from Citibank. Citi bank says they have nothing from the XXXX store. I was able to get the name and number of XXXX  bookkeeper ; she assured me twice she had sent the reimbursement to XXXX. this has been pending sinceXXXX! Ive talked to probably 10 citibank employees and all they says is they " reached out '' to XXXX. I explained over and over that XXXX sent the reimnbursement before XX/XX/XXXX, So a simple purchase/return/reimbursement has been my nightmare. Two of my XXXX  scores dropped from XXXX. Citibank did give me a provisional credit till problem solved. Please help.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION ()

Dears kindly we're making this complaint for TRUIST BANK as our bank XXXXXXXX XXXX is trying to communicate with Truist bank via the appropriate wire channels since XXXX 2023 but they didn't respond till now kindly the USD WIRE INVESTIGATIONS OUR REFERENCE is XXXX XXXX we need a respond to XXXXXXXX XXXX regards
Consumer complaint received 2022-12-14
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. (NY)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account Enhanced Recovery Collections 3. Validate Account XXXX XXXX XXXXXXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: N.A.R., Inc. (NV)

They did not use abusive language. The problem is they called me looking for someone else. They ask me if I knew the person and i never responded. The person XXXX ( unknown spelling ) proceeded to tell me their clients personal information in an attempt to gather more info. I attempted to warn them to not give me someone's personal information and then explained that I never verified knowing the person they called about. They in turn hung up, but it's too late personal information was given out to unsuspecting people. I called back the number and left a voice mail about not giving info out.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX
Consumer complaint received 2021-11-12
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 (TX)

I had a merchant charge me for a wrong order and I contacted the bank regarding this issue I have submitted all the supporting documents and they have refused to refund me the amount, they have been avoiding my email and have been ignoring my request to dispute the charge. This has been going on for 3 months
Consumer complaint received 2021-04-19
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX OF OHIO XXXX
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

I had completely paid off my federal student loan of about {$9000.00} during COVID while I completed my XXXX program. I called the loan contact number to see if I could get a refund of my payments and then apply for student loan forgiveness. I have waited over 1 month and have not heard back. I have not received the refund for my payments.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AL)

Account in question : Discover This account is continuously reporting charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NY)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XX/XX/2022 I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information. 
I also showed proof that this account was previously deleted and I provided the report # associated with this information. 
They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Consumer complaint received 2023-03-18
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)

The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, excuse my spelling ( I use a translator ) my language is XXXX  I have been a user of the Coinbae application for more than two months. 
Everything was fine so far I registered and provided all the official documents, for the verification of my person and to avoid fraud etc. 
The problem is that since XX/XX/2021 my account is blocked by Coinbase with the excuse that it is under review This after having registered for more than two months and with my verified identity Update my personal and work data etc. 
But the situation persists Unable to contact Coinbase customer service On the phone is a recording And by email a robot answers with the same answer always My money is blocked and I can't do anything Can you please help me get Coinbase to release my account Thanks in advance
Consumer complaint received 2023-03-18
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 (NH)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2019-07-12
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I was experiencing a hardship. I call Comenity/XXXX  and made them aware and asked them what was it that I can do to save my account. They then put me on a program where I would pay a lower amount but I would still make my payments. As long as I made my payments one time they recorded it every month, but they reported to the credit bureaus that I never made a payment for 10 consecutive months when they sent me a letter stating that I fulfilled the program successfully. They refuse to update my report to show that I made my payment on time and for this my credit is being affected.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. ()

I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill