davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (OH)

During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I was notified via email alerts that an account for a student loan was opened in my name by all three of the credit bureaus. Following the directions on identitytheft.gov, I contacted all three bureaus to place a freeze on my credit reports as well as printing out current credit reports from each bureau. Both XXXX and XXXX were able to verify my information base on the information in both credit reports and place freezes on said reports. Equifax, however, was unable to verify my information and it was at this time that I realized that my birthday was inaccurately reported on their credit report. Furthermore, the information that they asked me to verify my identity was different than the information that I obtained as of printing out my credit report on XX/XX/2019. The last employer listed on the credit report I obtained from Equifax 's credit service was from the mid XXXX 's. I find it inexcusable that Equifax not only can not maintain accurate information on my credit report, but then does not provide current and accurate information when I request my credit report from them. This has cost me valuable time in trying to resolve a fraudulent account being opened in my name and with my personal information. Even worse, I have a credit freeze on my credit report through Equifax that is supposed to prevent accounts being opened without my consent.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBM Services, Inc. (MI)

In XX/XX/2018, I received a notice from CBM Services , Inc. stating that I owed an outstanding debt to one of their clients. I sent a debt validation letter requesting them to provide me with all documents pertaining to said debt and their authority to collect it. CBM Services , Inc. failed to comply with my request, which is protected under the Fair Debt Collection Practices Act. CBM contacted me again, by phone and by mail, insisting that I pay off the collection amount without verification. I sent a certified letter to them explaining that they had not validated the debt and to cease any further contact with me. The day that they received my request, they called me. They have continued to call and send letters despite my written request for them to stop. They also have never been able to validate the debt they claim to be collecting.
Consumer complaint received 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish an account without my written instructions
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My complain is two fold : I had Capital One Venture X card ( {$390.00} annual fee ). As part of that, there's a {$300.00} annual travel credit. Mine was expiring XX/XX/XXXX. It has said " expires XX/XX/XXXX '' I went in today ( XX/XX/XXXX ) and it said {$0.00} travel credit. So, I called the Capital One XXXX ( not credit card ). They told me that they see my travel credits as expiring on XX/XX/XXXX & there was nothing they could do. I was connected to the credit card side of things, who said that my {$300.00} travel credit EXPIRED already on XX/XX/XXXX. I said it's still XX/XX/XXXX. They said there was nothing they could do, the date could not be extended, etc. I was not offered any other compensation ( miles, bonus, etc ). I decided to close my account, and decided to transfer my account miles ( XXXX ) to an airline partner before closing my account. In trying to do that, I was prompted to

do MFA ( multi factor authentication ) and just continuously got looped to log out. There was a number to call, which had me waiting on hold and I had to get back to work, so I logged off. I eventually cashed in the miles/points for cash, which I did NOT want to do since it's an ineffective use of them, but I wanted to close out the account as soon as possible. I did call to close the account and reiterated the situation, asking to have my two issues escalated. Again, I was not offered an alternative and was reminded of the travel credit that comes with the card, which I could not use. Long story short - could not use the {$300.00} credit THROUGH the date it said. The travel department of Capital One had a different expiry date than listed.
As an aside, I did ask the Capital One XXXX people why LAST year 's ( XXXX ) credit also shows an expiry date of XX/XX/XXXX, but they couldn't tell me. See attached for details.
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (DE)

Ive been fighting with XXXX XXXX for months on getting a lower payment. I only make {$13.00} an hour with a car note of {$310.00}, phone bill {$120.00}, utilities {$300.00}, groceries {$200.00} and rent {$350.00} and other expenses not mentioned above. That alone is being paid throughout the month. They told me in order to talk with loan modification or be put into the loan reduction program I had to be past due indicating that I would have to miss my payment. Now I have this outstanding amount of money I owe. It was originally {$780.00} now I owe {$1500.00}. They have given me options for repayment and they include : Forbearance, interest only payments and wait for approval from the military office that of which I was already denied. They have been giving me the run around for the last two weeks now Im in default with a outstanding balance. Mind you many of my loans are variable some have interest rate of 11.7 percent. Im in need of help.
Consumer complaint received 2019-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian continues to report incorrect public record information on my credit report. As a result and in an effort to help correct the error I have asked them on several occasions for a full description of the procedure used to determine the accuracy and completeness of the erroneous information they are reporting. 

The Fair Credit Reporting Act in Section 611 ( a ) ( 6 ) ( B ) ( iii ) makes clear that the consumer has the right to request description of reinvestigation procedure, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit bureau must provide this information within 15 days. 

I have requested this information on several occasions and have been very specific that I am requesting the name and address of the furnisher, as well as the telephone number if available - as specifically stated in the FCRA. 

Experian continuously fails to abide by this provision of the FCRA and instead mails me a canned answer/letter that does not provide any information as to the furnisher, only explains that their procedure is to contact the furnisher and report back within 30 days. 

I have received the same canned answer letter over and over, a copy of which I am attaching. 

As a side note, it is worth mentioning that Experian is the only one of the three credit bureaus reporting this erroneous public record.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a Kohls rep on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been XXXX days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If Kohls is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a Kohls error. 

I spoke with XXXX XXXX from Executive offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 after many years as a loyal customer I paid off the remaining balance on my home depot credit store credit card my line of credit was $ XXXX.to my dismay they days later reduced my line of credit to {$500.00}. Dramatically affected my fico score and damage my good name without any form of explaining to me why only after I called they e mail me a letter, along with another creditor I file a former complaints against home depot started a chain of negative information against me although I never paid late never used the line of credit over 20 % off their credit line given to me I truly feel discriminate and clearly while they decrease my line of credit another creditor raised it how can they explained that.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I sold a XXXX XXXX XXXX XXXX ( missing crown ) on XXXX XXXX, on XXXX and the payment was made through PayPal for {$400.00}, the watch it was delivered to the buyer but the buyer it was not satisfied with the purchase so he Ofer {$200.00} for the watch, I did not accept and asked the buyer to return the watch for a full refund he went and open a case with XXXX, and PayPal put a hold on my account for {$400.00},., but the buyer never return the watch the buyer return a enty envelope then I contact XXXX and XXXX resolve the case in my favor ( seller ) Then the buyer Open a case with PayPal.,  PayPal request the buyer to send the watch back and this time the buyer sent a damage XXXX XXXX ( wrong watch ) and PayPal resolute on favor of the buyer., then I contact PayPal and the FBI internet crime Unit and I sent all documents and pictures., as of today XX/XX/XXXX I am with out watch, money my account on hold plus I have to pay PayPal {$400.00} please Investigate and help me resolve
Consumer complaint received 2019-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had rare XXXX on my knee which i had to go back home for XXXX. the XXXX   XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX  consumer usa also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

I receive a bill each month from Discover and pay the bill, usually over the minimum amount. A couple of days later I check to see that the payment is credited and it indicates I have a certain $ amount to use that reflects the payment I made. A few days later if I check again, there is another amount for " interest '' that I owe! It appears that I pay interest with the amount I pay but then they recompute the interest and tack on another bill. 

I have never seen anything like this. Instead of one amount there is now two. This makes it seem as if I did not pay the full amount. This can have an impact on my credit score and it means I can never pay down the bill I owe because of this practice.
Consumer complaint received 2019-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the transunion but nothing has been changed. during XX/XX/2018 I had rare XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during XX/XX/2018.
Consumer complaint received 2022-03-09
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. (GA)

I, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. XXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

XXXX  XXXX in XXXX, TX submitted a debt to National Credit Systems under my name that was attached to a different tenant. I never lived there, I simply applied but did not move forward with the lease. Both XXXX XXXX and National Credit Systems were not helpful in correcting the situation. They repeatedly gave me the run around and treated me rudely ( NCS ) when in actuality I was only trying to correct an error on their part. NCS would not direct me to the correct departments or provide helpful information.
Consumer complaint received 2018-01-06
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: BARCLAYS BANK DELAWARE (FL)

Letter dated XX/XX/XXXX, from the Barclayscard Office of the President / a XXXX XXXX XXXX, outlined credits that were in process of posting to my account in the amount of {$160.00}. This credit was short {$4.00} and should have instead been a sum of {$160.00}. This credit was supposed to have been applied and should have remained on my account for the next 3-4 months ; instead, it was removed on XX/XX/XXXX, which also was the first time that I placed a new charge for {$31.00} on my new replacement card. The card was replaced due to previous fraud on the account. 

As a result of the posted credits being removed from my account, I later learned that {$31.00} was expected as payment on XX/XX/XXXX instead of being deducted from the expected credit balance I thought I had. I posted a payment for the {$31.00} on XX/XX/XXXX, but it was just past the cut-off deadline and did not post until the following day of XX/XX/XXXX. I also have a future payment scheduled for XX/XX/XXXX, in the amount of {$35.00}, to cover the name statement period in full, for my " actual charges that exceed the {$160.00} which should have originally been credited and should have remained on my account, preventing all of these matters from becoming compound issues. Subsequently, I was charged a {$27.00} late fee. I have since contacted Barclays to request that all corrections be made. We are currently in a back-and-forth email and phone-tag pattern, meanwhile, I am still incurring additional charges i.e., {$3.00}. 

I am concerned this will continue getting out of control while I expect these corrections to be made. The fact of the matter is, the posted credit was removed from the account within 2-months of it being posted. This gave me no time to use it as intended and is now costing me more. There has never been a check issued for that or any other balance, not that I have seen, and nor do I want. I want all credits posted back to my account as discussed and for the full {$160.00}, plus a credit of the {$27.00} late charge, and the {$3.00} interest charge, and anything else that may post to my account in the meantime. I also want to make sure that nothing has negatively been reported to any of the credit bureaus, and nothing will. I would like a letter confirming that all of these transactions have correctly been posted and that I should be cleared of any adverse actions or negative reports that could possibly affect my credit, and I want this letter as a reference, should anything later appear and I would need a letter of that type to serve as proof to expedite any future potential issues as a result of these discrepancies now. 

Thank you in advance for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

My debit card was stolen on XX/XX/XXXX and had unauthorized transactions from XXXX  for XXXX and XXXX. As soon I saw the transactions I closed out the debit card. I tried to dispute them but couldn't since it was pending. I reordered another card on XX/XX/XXXX. 

My card was XXXX  after leaving it at the last legitimate store I did business at. 

I couldn't dispute the transactions due to them pending. When it completed I disputed them and had another card shipped to me. 2 cards in total were sent due to this transaction less than 24hours later it was denied. I don't have the pin written down on my card and it was XXXX. So no sure how they're saying no wrong doing was done.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was the owner of a beneficiary 401k account after my mother died late last year. 

After speaking with Merrill Lynch on the phone on XX/XX/XXXX and confirming that by me accepting the disbursement prior to the end of XXXX, the disbursement would count towards my XXXX tax year. I took action on the account and chose to complete the disbursement in XXXX for tax purposes. 

By XX/XX/XXXX, I did not receive my 1099-R form. 

On XX/XX/XXXX, I called Merrill Lynch to ask about the status of my 1099-R form. I was informed by the customer service representative, after she completed her research she said since the money was deposited to my account after a certain time, the disbursement would count for my XXXX tax year. 

I made a decision to accept the disbursement so quickly because I wanted it to count for my XXXX tax year. Because of this bad information from Merrill, my finances will be negatively impacted. 

I asked Merrill for a written statement confirming that my disbursement would count towards my XXXX tax year. I asked for this in writing because I was told two different things from two agents. They said they could not provide me with this information in writing.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the past 5 to 7 years, I've tried online to dispute information on my credit report from TransUnion online I have been unsuccessful. They denied me and blocked me. I called several times on for them to be rude to me. The error code is always the same denied access. They said I am blocked from accessing my credit report online and there is nothing they can do about it.
Consumer complaint received 2019-04-10
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. (AZ)

XXXX XXXX is claiming that I am the owner of an account that was charged off back in XXXX. The total amount that was charged off in my name is {$1000.00}. I never opened this account therefore i had no knowledge that it ever existed. Given that many years have passed, I can longer obtain a police report. My credit was fraudulent used in XXXX and went through great length to get it resolved and XXXX is the only that is not willing to remove. I believe this to be a XXXX attempt because I am XXXX and they want to deny us from obtaining credit. I will never have an XXXX card and they have proven to be XXXX   because of my XXXX name. Please help.