davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A MERCHANT IN THE INTERNET ADVERTISED A BEAUTY PRODUCT FOR FEMALES THAT WHEN APPLIED TO THE FACE WOULD HELP THE APPEARANCE BY REMOVE OLD AGE SPOTS, ETC. THEY WOULD SEND SAMPLES OF THE CLEANING CREAM AND A " MOISTER TO APPLY BEFORE THE MAKEUP. WE ONLY HAD TO PAY THE SHIPPING CHARGE OF {$4.00}. WE ORDERED THE SAMPLES AND WE CHARGED OUR BANK OF AMERICA CREDIT # XXXX XXXX XXXX XXXX. WE RECEIVED THE ITEMS WITH OUT ANY CORRESPONDENCE OF ANYTHING. THE WRITING ON TH ITEMS COULD NOT BE READ WITHOUT THE XXXX XXXX TELESCOPE. WHEN WE RECEIVED OUR CREDIT CARD STATEMENT WE WERE CHARGED $ XXXX ADDITIONAL FOR THE SHIPPING AND WE RECEIVED TW0 CHARGES OF ABOUT {$98.00} FOR EACH ITEMS. WE CALLED THE MERCHANTS AND THEY TOLD US THAT WE HAD TO RETURN THE ITEMS WITHIN 14 DAYS IF WE WERE NOT SATISFIED OR WE THEY HAD THE RIGHT TO CHARGE US THE COST OF THE ITEMS. WE TOLD THEM WE PURCHASED " SAMPLES '' ONLY. THEY TOLD US THAT WAS THEIR POLICY PERIOD. WE CALLED THE BANK OF AMERICA CUSTOMER SERVICE AND THEY TOLD US WE HAD TO PAY THE AMOUNTS PERIOD. WE WROTE MANY LETTERS TO THE BANK AND EXPLAINED THAT WE PURCHASED " SAMPLES. 

WE TOLD THEM THAT THIS WAS A SCAM AND WE WERE NOT GOING TO {$200.00} FOR SAMPLES AND WE RETURNED THEIR CREDIT CARD. 

THEY HAVE CONTINUED TO CHARGE US LATE FEES AND INTEREST WHICH TODAY TOTALS {$440.00}. WE BELIEVE THIS IS A SCAM AND BANK OF AMERICA IS A CO-DEFENDANT OF THIS SCAM. IN MY XXXX YEARS I HAVE NEVER HEARD, EXPERIENCED, OR READ WHERE YOU BUY A SAMPLE AND LATER YOU ARE CHARGED THE PRICE OF A NON SAMPLE.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to Experian, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MS)

I have applied for a short sale multiple times. Each time, the servicer has advised they " didn't get to our request '' until the very last day their timelines allow, and they declined our application for missing documents that we were never notified of. This has happened twice so far, and each time the " missing document '' is something that does not apply to us. I have received no missing document letters and my real estate professionals who call in repeatedly are told that there are no additional documents needed, until the very last day they are told something that wasn't requested is missing and there isn't enough time to request it, so they have to just decline our application and we have to start over. The first time, SLS advised the missing document they failed to tell us about was a letter of damages to the property, of which we were never previously asked for. The second time, they advised the missing documents were pay stubs, despite the fact that we do not hold employment. My real estate agent 's office was told on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX that we had no missing documents for our short sale. Then, abruptly, on XXXX we were told that the processor had just determined later on XXXX that we were missing pay stubs and the file had to be immediately declined because they ran out of time to let us know. Again, there are no pay stubs to provide as we are unemployed. Our file was declined unjustly and in error for SLS to cover up their own short comings on the time it is taking them to review loss mitigation requests.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.
Consumer complaint received 2018-06-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (VT)

The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (FL)

I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On Sunday, XX/XX/XXXX, credit was denied based on discrimination. Specifically, Citi bank ( Sears MasterCard ) "  escalation specialist ' ( XXXX ) told my husband over the phone that my application for Sears MasterCard was denied based on my XXXX name ( or national origin ) in violation of law. 

I received a letter from Sears MasterCard dated XX/XX/XXXX ( attached ) requesting additional information. 

I responded to the denial and letter with my letter dated XX/XX/XXXX ( attached ). I specifically included identifying information such as, reference number provided by Sears MasterCard in their initial letter, my name, social security number, and contact information. My letter was sent via priority mail with a USPS tracking number. 

Sears MasterCard ( Citi bank ) replied to my letter with their letter dated XX/XX/XXXX ( attached ). Their letter was sent in " bad faith '' asking for identifying information that had already been provided in the letter I had sent to them. It is obvious Citi bank is trying to deter my complaint of discrimination by intentionally not responding to the complaint outlined in my letter.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (TX)

I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.
Consumer complaint received 2020-08-19
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)

Greetings. I pray you and your family are save this covid season. I have been trying to reach these companies about the errors on my credit profile. They keep simply saying re-investigation over and over again when I have asked and requested them to please adhere to the law. Please see attached documents.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (FL)

I sent money for a rent payment of {$13000.00} and cashapp charged me a fee of {$36.00} when I tried to stop the payment and requested the recipient to refund me the money back they still kept the {$36.00} and they said they had a different type of cashapp account than mines had I know this in the first place I would not have even used them at all
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (OK)

Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Healthcare Management, LLC (CO)

i was in car accident XXXX and went to the XXXX XXXX XXXX IN COLORADO. I had an active full coverage insurance with my car insurance and health insurance by that time. My insurance had been paid all the related bill regarding my injury by that time and i never receiced any bill from that time until XX/XX/XXXX. I got a letter from collection agency that stated i owed the hospital {$20000.00} that i believed shoud cover my health insurance if the hospital had the right information and file the claim to my insurance.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

I hope this email finds you well. I am writing to address a concerning issue that has recently come to my attention regarding my credit score. 

Upon checking my credit score through XXXX XXXX Score, I was shocked to discover that it had dropped by XXXX points. This is particularly alarming as I have always been diligent in paying my bills on time and have never taken out any loans. 

In efforts to rectify this matter, I have reached out to both Chase and XXXX, the providers of my credit cards, as well as the credit bureau. Unfortunately, none of them were able to provide me with a satisfactory explanation or resolution. 

Given the importance of maintaining a good credit score, I am now seeking urgent assistance in understanding why this drop has occurred and what steps can be taken to address it promptly. Your expertise and guidance in this matter would be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (IL)

My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I did not pay the full balance of my credit card, so in XXXX I had and interest charge. I then paid my bill in full including the interest. There were no late fees because I paid more then the required amount asked for. In XXXX My statement had an interest charge on of {$13.00}, I called the credit card company ( Chase ) to discuss this, as I paid my bill in full and on time I wanted to know what I was being charged interest on. I was told because I didn't pay my bill in full in XXXX the interest carries over for two months. I wanted to know if I carry a balance on my card do I pay double interest all the time, and was told I have to have my bill paid in full for two months to not have interest charges. The representative could not answer my question on what I was being charged interest on nor if people are paying twice the amount of interest as told upfront. Is this the Banks way of charging double the interest, from what they advertise? The rep could not answer my question. 
I also noticed XXXX XXXX  XXXX did the same thing. I always try to pay these cards off every month in the off chance I don't I would like to know what my true interest rate is. 
I would like to know if this is legitimate? 
Thank you,
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (KS)

On XX/XX/2021, I received an unsolicited letter in the mail at my home address from " MoneyLion ''. The envelope flap was sealed poorly and easily opened, it contains a MasterCard debit card in my name and a " Welcome to XXXX '' single page promo. On back of the page is a " Direct Depost Form '' with a deposit account number and routing number for an account with " XXXX XXXX XXXX Account ) '' with a signature field, that can be detached. I believe this account was opened in my name against the Law, since I have no prior business relationship with either MoneyLion or XXXX and never applied to open deposit or credit accounts with them.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

Convergent says I owe money on a XXXX XXXX bill from XXXX and XXXX. I have never been with XXXX. I do not owe this and I received a letter wanting to discount my bill if I payed now. yesterday the XXXX of XXXX, XXXX. I called the 800 number and they had a phone number they said I owe on and I do not recognize this number nor have I ever received a bill for this number nor anything from XXXX. I have excellent credit and always have. This hurts my credit.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (NY)

Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

From XXXX XXXX XXXX an individual going by XXXX would message me through XXXX and eventually phone number ( XXXX XXXX ) XXXX saying to deposit checks ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ) sent by his accountant 's assistant XXXX XXXX ( XXXX ) and then transfer some of the money to his nephews and his friends via XXXX ( XXXX ; XXXX XXXX ; XXXX XXXX ) and to keep the rest. However, one of the checks finally bounced, finally got the guy on the phone ( and he sounded unfortunately not like what the guy would sound like on instagram ; e.g., sounded XXXX and the XXXX was a XXXX  guy ). We were texting for about four days and his situation sounded legitimate, he wanted to help pay one of my bills, in exchange for me texting him and giving him " companionship '' and I mentioned as long as it's just friends, I'm happy to help. He made excuses like, oh I'm going through someone stealing my identity so that's why I can't make the transfers myself and my back has been reported so that's why your check bounced, but when I finally said that I'd be reporting his number and emails and account to the authorities, he said " Ok '' and blocked me on XXXX. I've attached the checks they sent and one of the back ( the back was all the same ).
Consumer complaint received 2024-01-30
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: CrossCountry Mortgage LLC (TN)

Attention : Honorable XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Your office know me personally and Ive fought to bring attention to how your personnel have refused to do due diligence with XXXX Consumers, but this round I will work with my XXXX XXXX & XXXX Congressman to assure your personnel are doing their job as a XXXX XXXX. 
XXXX XXXX denied the Release of my Soft Pull Tri-merge Credit Report, I faxed a Request for the Release of my Tri-merge Credit Report with all, all 3 Credit Scores from each Repositories that supposedly was submitted to CrossCountry Mortgage on XX/XX/XXXX, I spoke with a XXXX XXXX, mgr with CrossCountry Mortgage about this Discriminatory Threat by XXXX XXXX by only submitting to XXXX XXXX only XXXX of XXXX of my XXXX XXXX XXXX for which a Criminal Supremacy act. My XXXX Report XXXX, my XXXX XXXX and my XXXX Report was XXXX, the reason these Criminals at XXXX XXXX submitted such criminal acts were to have me paying a higher interest rate and a higher Discount Points, pretty Slick XXXX criminal acts and intentions, but I Fight Back against XXXX Consumer Criminal injustices and threats to the XXXX Consumer like myself as well and a XXXX Veteran! XXXX XXXX and its employees are very familiar with me personally and very knowledgeable of my Buying Power as a XXXX XXXX and XXXX XXXX is attempting to suppress my Credit Report, but Im well aware of my Rights under USC 15, and Im looking for a Consumer Protection attorney to go after these XXXX  these White collar criminals. See attachment of my XXXX XXXX Report XXXX form that I faxed to these blatant Criminals!