davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OH)

In XX/XX/2017 I purchases a XXXX  laptop computer from the XXXX XXXX XXXX ( XXXX  ) for approximately {$420.00}. The item was being broadcasted on the XXXX XXXX. It offered a 12 month no interest with payments option which I ordered online on the XXXX site, clicked the 12 month promotional financing. I'm set up on auto billing that comes out of my checking account but in XX/XX/XXXX I noticed that I was being charged interest ( about {$8.00} each month ) when the promo was to be interest free. I immediately contacted XXXX XXXX  ( the company that underwrites the XXXX credit card ). They said that they would put my account into dispute and I checked back with them twice, it took nearly 60 days and they responded back to me via email stating that there was never any no interest promotion offered for the computer that I had purchased. To make this short, we communicated back and forth via email 2 or 3 times and they said that I should call them to discuss. To be honest I've spent many hours dealing with this so I decided to just pay off the entire balance of the card and I cut up the card and sent it back with my request to close the account. I went onto a website and published my story and after I checked there was a complaint right before mine with basically the exact same situation. I've paid this account off but I would like people to know that XXXX XXXX   doesn't follow through with promotional financing that is offered to XXXX  customers.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One multiple times to try and submit a dispute/chargeback for a product I bought that did n't meet standard. I called multiple times to try and initiate a " case '' against the merchant, but each time I was unsuccessful. My internal capital one " case '' was closed multiple times on the basis that I had resolved my dispute with the merchant on my own. That was untrue, and I have since been told that I can not continue my " case '', as its past the timeframe they allow.
Consumer complaint received 2022-09-08
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Monday I attempted to withdraw funds and I could not I called my bank and they told me that my account was frozen I did not get a call or email or letter and every day I've been calling I even went to the bank and told I even went to the bank and told them what happened they said that they are investigating it I have not heard anything from them I have no money on me I need my bills to be paid and I am broke I can not get access to my money please help me
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

Over XXXX  years ago I opened a credit card. Had trouble paying, but then paid it all off 100 % at the same time it hit my credit report. The reports show it as paid with a XXXX balance. However, it has been a very long time and the tradeline is not being removed. The card company indicated through investigation that they can't find the account under any search parameters yet they still report it as accurate. Its been XXXX years and all parties refuse to remove this from my report. 

Credit card company is XXXX XXXX
Consumer complaint received 2016-06-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (TX)

Have sent XXXX letters dating back to XX/XX/23 requesting validation and ownership of debt. I have requested documentation that they should have in their documentation as they are reporting inaccurate information on my credit report. They have only provided statements which I never asked for statements. Then marked my credit report with comments stating it meets requirements of the fair credit reporting act but have not provided information to me for this comment to be valid. I requested evidence bearing my signature showing the account is being reported correctly.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

BESTBUY/CBNA XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Calvin Dean Homolka II (OK)

My employer received a garnishment if my wages and notified me, Ive never received nitice if anything, I called the XXXX Kansas court clerk and she advised me it was a XX/XX/XXXX case number, the company XXXX, XXXX HAS NOT BEEN IN BUSINESS SINCE XX/XX/XXXX per Kansas Secretary of State,  it is addressed to me at an address in XXXX, KS, Ive never lived in XXXX, KS, Ive tried calling the attorney that is on the notice sent to my employer and all I get is voicemail, no live person. My dispute is I have no idea what this is, Ive never received notice of a Judgement filed against me, its from XX/XX/XXXX and they are trying to garnish my paycheck for a XX/XX/XXXX Debt I know nothing about
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Pulled boa response when they filed into the BK case a XXXX XXXXXXXX forged redacted FHA mortgage. 
The documents are from my case the letter they filed we never received anything from BoA or their lawyers. They claim we closed the loan won't tell us where we closed it. 
We never signed an FHA mortgage with BoA i know they forge mortgages XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

This is my second complaint to you since I did not get a confirmation from you so I don't know if you got the first complaint. 
I have also filed a complaint with consumer Financial Protection Bureau but they have done nothing. 
Since my last complaint to you, Chase Bank had violated my trust three more times ( within a 24 hour period ) I have now sent them over 20 emails concerning the 12 times that they have declined my card. 
Their response is to reply with a scripted response. They have continually accused me of typing in the wrong CVV number which was impossible in many of the circumstances and simply a lie in the rest of the circumstances. 
Yesterday and today was three more times and this came after their usual scripted response " Your card is in good standing '', " We will try to do better next time '', and " We have elevated this to our fraud department. '' DEAR XXXX PLEASE HELP ME. WHY IS NO ONE LISTENING TO ME? WHY WON'T YOU HELP ME?
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

Last month I received my annual escrow analysis which should I have roughly a $3,800 escrow surplus. I am currently two mortgage payments behind going on three in XX/XX/XXXX. I requested in writing like they told me to do to hold the three payments from the surplus. After doing as they instructed I receive an email reply back stating that the escrow surplus was used to reduce the monthly note.      It wasn't at all. The rep doesn't even know how to read the analysis. The note was reduced because the amount being disbursed from escrow was reduced from the insurance. I have spoken to four different reps, and sent various emails with no help. I even asked to be escalated to a manager and still nothing.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IN)

over XXXX dollars is being held because at some point in time in the next 6 months there may be a charge back, this is absurd and fraud, They Don't want us to XXXX XXXX  fine I am An XXXX  ( means federally licensed to XXXX XXXX ) and have been for the entire time I was a customer, if its a problem now that's fine there are other services that aren't run by communist, I'm a XXXX   % XXXX veteran and you are purposely and directly harming me both financially and emotionally this is terrorism and probably racially motivated.
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from Capital One that were included in that bankruptcy which is almost paid off, current, and never delinquent. Capital One and XXXX XXXX are reporting late payments to those Capital One accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to Capital One on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my XXXX XXXX score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (FL)

I Have MGCREDIT reporting on an acct that is not mine. 
I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

I called them a couple of time and tried to pay a debt they said i owe them for lab corp but they told me they could not help me removing it off my credit report that they only do it for specific clients. I just want to pay the the money they say i owe and get them off my credit report and them to leave me alone
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (PA)

Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SERVICELINK LOSS MITIGATION SERVICES (TX)

I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NC)

Hello- I am currently a credit card account holder with Citibank and previously a savings account owner as well. I called on XX/XX/XXXX to open a high yield savings and was told that I was required to submit an account application subject to review and final decision within 7-10 business days. I was also notified that there will be a soft hit on my credit. 

I have been in banking for 11 years now and have never heard of a deposit product such as savings subject to credit review. I asked to speak to a supervisor to better understand why this was a requirement and he had no valid answer for me other than " that is our account opening process ''. 

Since when is credit pulling a requirement to open a savings account? I am happy to accept this as a process if this is market standard but if Citi is alone in this and is making their own rules, then this sounds like discrimination to me.
Consumer complaint received 2016-01-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.
Consumer complaint received 2021-08-04
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: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are Navy Federal, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2017-09-09
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. (MN)

My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Debt Recovery Solutions, LLC (IN)

In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.
Consumer complaint received 2020-10-20
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2017-09-29
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. (OR)

XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you