davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

This complaint is what I consider to be a 'follow up ' to a complaint I previously submitted and it is regarding the " Price Rewind '' benefit for XXXX/Citi Visa cardholders. 

Basically, if I find a lower price on something that I purchased with my XXXX Visa card, Citi will refund me the difference. Of course, there are a number of exclusions but I am mainly concerned with this one :  " The lower-priced item is a going-out-of-business sale item or from an internet auction site. '' As I pointed out in my previous complaint, I would not expect Citi to honor a Price Rewind from an actual 'auction ' type transaction. In my case, I had purchased a computer monitor from XXXX, and later found the same exact monitor at XXXX XXXX XXXX store for {$70.00} cheaper. If you refer to the attached document for details you can see that XXXX sold at least 253 of these monitors at the fixed price of {$790.00}. 

This was not an auction. It was a simple transaction much like purchasing an item from XXXX via one of their vendors. Fixed price, full warranty, return policy, and more than one of the items. 

Citi actually did honor the two Price Rewinds, calling it a one-time courtesy but they basically blew me off and never addressed the root of my complaint - XXXX  is not just an auction site. 

Afterwards, I was given the opportunity to provide additional feedback and I later received the attached letter from Ms XXXX in response. 

In reading the letter, I felt like she never really looked at my complaint. I had clearly covered the items in her response in my complaint, yet she chose to ignore them. This is a direct quote from her letter : " Based on the underlying nature of XXXX, customers generally have to bid on products in order to purchase them. Because all of the prices on XXXX are not fixed, we do not accept the lower price. Thus, we consider XXXX and similar sites to be auction sites. '' It is my understanding that each " Price Rewind '' is actually assigned to a 'claims agent '. It would be very easy for an agent to see that buying something from an XXXX store, such as XXXX, is not an auction. I believe Citi is being disingenuous in their interpretation of their 'auction site ' exclusion to avoid having to pay out on these Price Rewind claims.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one XX/XX/2021 i call capital one i never use this card i was a victim of fraud I am writing to express my utmost dissatisfaction and concern regarding fraudulent activity that has occurred on Capital One credit card account. I recently discovered unauthorized credit card account
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE BANK USA Date of inquiry : XXXX XXXX, XXXX  Please remove it from my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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: National Credit Systems,Inc. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HILLTOP HOLDINGS, INC (GA)

We have renewed a XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. The agreement was to refi XXXX XXXX at XXXX into XXXX fully amortized 30 year loans ( XXXX for each house ). Prime lending has been working on refinance of this XXXX  for 6 months and still has not completed the loan. They moved the loan application to XXXX mortgage around XXXX. My XXXX  is maturing this week and will cost me more money to renew if XXXX doesn't finish. I have paid {$4000.00} to my credit cards, at their request, to ensure my credit would be over XXXX at their advise to get approved. 
Now, i have been given a CD that reflects a higher interest rate than I agreed to and I'm still not sure if they will even do the loan before I have to spend more money renewing.
Consumer complaint received 2020-12-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WV)

Hello- my mortgage was sold to Flagstar a year or so ago, without my knowledge or consent. I recently paid my mortgage balance down to 80 %. Repeated attempts with Flagstar to have the PMI insurance removed have been unsuccessful. I was told by a Flagstar rep that it stated in my original mortgage agreement that I signed for PMI insurance the full term of the mortgage, yet they won't send me a copy to prove this. After doing my own research, I believe that I'm not required to pay PMI after the note is reduced to 80 %. As well, I've never missed one payment! I'm hoping to gain some insight as to what I'm responsible for regarding my mortgage with this company.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I received a notice in XX/XX/XXXX from XXXX XXXX this collection was added to my credit reports. I obtained the collection agencies information and contacted them. I spoke with a representative and she asked for my name, address, social security number and address. After providing all of this information,, the representative stated she does not have an account for me or any of the information I provided and I must dispute this with the credit bureau directly. I disputed this immediately with the credit bureau and they have not removed it. It was updated to included in bankruptcy. I have not opened or used any utility accounts in my name since XX/XX/XXXX. If there was ever an account with an XXXX XXXX XXXX XXXX it would have been included in my XX/XX/XXXX bankruptcy and that is beyond ten years to remain on my file. The credit bureau has refused to provide the information in which they verified the date this account was opened and when the collection agency took over this account.I am even unable to get my dispute results from the credit bureau even though they've emailed me that my dispute results are available. Every time I enter my information to obtain the results, XXXX XXXX  and XXXX websites all say technical difficulties for the past week.
Consumer complaint received 2019-10-01
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. (NJ)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.
Consumer complaint received 2019-10-01
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-10-01
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)

Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX  XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX   updated, with all payments and current balance to all 3 credit reporting agencies.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

This company sends me documents with NO LOAN number attached while I've been making payments on MY LOAN and have not missed a payment. 

Why does the company give an acct number of XXXX and I have no idea what that acct is attached to. My principle payments that I pay monthly are being returned. You have a complaint on that and all the documents this fraudulent XXXX continues to say they are fixing the problem and on this end, they are foreclosing on a home that I've owned for decades. 
Also when I try to file a complaint with the local XXXX XXXX, that agency has cut off my ability to file a complaint and has locked me out. In other words, they are supporting the industry of taking people 's homes away. 

attached is the newest statement from SHELLPOINT but where is my loan documents with XXXX that's who my loan is and was with.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (PA)

My property taxes are being paid through the mortgage company through an escrow account. They underpaid my property taxes for 2023, and I kept receiving delinquency notices from the XXXX XXXX XXXX. I called once, they told me not to worry about anything, payment would be taken care of. I kept receiving notices and finally, did research and digging into what was going on and realized that my mortgage company, XXXX or ServiceMac ( I don't even know because my mortgage keeps getting moved around and the website vs documents have different names ) made an underpayment. Was supposed to be {$9100.00} and they paid {$7900.00}. I spent an hour on the phone with the company, they seemed clueless, requested to be put in touch with a manager, no one was available. I don't know when this will be resolved, they told me to get in touch with them in XXXX business days, which is ridiculous. I shouldn't be the one having to check if payment was made on my behalf, this should be an automatic process.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IN)

At this point, I DO NOT know what to do. I have dealt with XXXX, XXXX XXXX, XXXX XXXX XXXX and now SLS. I have had three modifications, only one was legit. When I refinanced in XX/XX/XXXX, I signed with XXXX XXXX XXXXXXXX the same day. XXXX is the ONLY mortgage on record, but NO ONE can find any documentation. I have always questioned my modifications and loan servicing since XX/XX/XXXX. I have kept everything. 
I am currently in foreclosure, sheriff sale XX/XX/XXXX. I want to save my home, but I am tired of SLS. I would prefer XXXX  XXXX XXXX then SLS. When I received my last modification SLS became my servicer. When SLS received my account there was a balance from the modification. Which is impossible. At this point I could not see my account online ; they would not discuss it with, and I received NO statements. Just told we are not allowed to discuss your account with you, just send the money. I ended up losing my job and did not get back to work almost two years later. In XX/XX/XXXX I almost lost my home but was able to borrow the money to save it and have the sheriff sale stopped. When I went to make my payment in XX/XX/XXXX, there was a $ XXXX extra charge on my account. I also wanted to set up automatic payments. I was told I can do automatic payments and they do not know or can not tell me what the $ XXXX overage was for. I just need to pay, if I want, I could email customer service. 
SLS uses the fact that my home was not reaffirmed they can not help me only take my money. I am so frustrated. I DO NOT trust them. I can not ask them for help, they always tell me they can not help me. I was told by multiple this would happen and their goal is to take your home. I can go and on. I do not understand how I can balance after a modification and sheriff sale. I wish I never refinanced and stay with my FHA loan. It has been a nightmare since.
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (TX)

I am in the XXXX XXXX XXXX since XX/XX/2019 and received XXXX XXXX order within the USA for more than 180 days, therefore I qualify under the SCRA law to return my vehicle w/o penalties to Honda. 

Honda Finance however claims that my status does not qualify me for SCRA, they claimed that military members XXXX  XXXX are the only ones that qualify for it, however if we refer to the Law IT SELF, it has 2 options regarding SCRA. 

1.- Return the lease if you are called on XXXX XXXX orders UNDER TITLE 10 for more that 180 days with out break in service. 

2.- if you are in XXXX XXXX and get XXXX overseas. 

Therefore I am going into XXXX XXXX orders order title 10 from my XXXX status which is part time ( 1 weekend a month ) However Honda Finance Is completing ignoring Number 1 option and only going with number 2.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (TX)

DCM Services continues to send debt collection letters and call my phone for a medical debt of {$260.00} belonging to my deceased mother. I do not know how they got my phone number, but I am not associated with the debt in any way. When asked how they got the number they stated that they do a " phone scan '', whatever that means. It has been explained to them that there is no estate and I do not assume any responsibility for this debt, yet they will not stop harassing me. All letters from DCM are being returned with " Deceased - No estate '' on the envelope.
Consumer complaint received 2019-10-01
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. (CA)

XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2019-10-01
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. (CA)

XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2019-10-01
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. (CA)

XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX   case and got a XXXX XXXX, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They claimed that I ordered " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and charge me {$27.00} I never ordered anything. Their website is exceptionally deceptive. 

Had to give credit card number in order to get 'free '' credit score. They never disclosed any charges, certainly not {$27.00}