davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, and to date, they have not responded. The following outlines the inaccurate information and corrections required : XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$5900.00} Request : The reported balance is inflated and inaccurate. The past due amount is not applicable as the account was closed and XXXX. Please mark this account as disputed until resolved with the creditor. 

XXXX Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX Account XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Request : Verify the account as the reported information is incorrect. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Request : Verify the account due to the reported inaccuracies. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (DC)

I review my credit report and seen that ability recover service added a {$900.00} collection to my account however Ive never been in contact with theses people, never received any notice from Anyone Stating I owe {$900.00} for anything! 
I never miss any payment from that because its not my bill/debt! It just popped up on my collection. I called and ask them 1. ) who are they and who is the original creditor the lady told me on a record call that she dont know and unfortunately is unable to provide me with the information. 2. ) I asked Them why didnt I receive any notice about this debt via phone, mail or emailed to me about this debt ; the lady literally said she dont know why thats against the law, and it took away my right to properly dispute this. 
3. ) I told them that if they are unable to provide me with any Info on where the debt came from and who they bought the debt from and if they can not validate that this debt belongs to me. That it will need to be removed off my credit Report right away. It also needs to be removed because proper steps was not taken and they valiated my rights to dispute, also in order for something to go to collections you must have atleast a minimum of 30-120 days missed payment however I dont have any because this debt does not belong to me its just went straight to collections this is fraudulent activity. They person I was speaking with said you can dispute it and I told her thats exactly what Im going to do because this is fraudulent activity. And that I will be filing with the FTC about this however ftc directed me here. 4. ) I asked to speak to a supervisor or if they can provide me with there corporate information they hung up on me.!
Consumer complaint received 2024-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I XXXX XXXX opened a XXXX CD at Citibank with an interest rate of XXXX XXXX, with {$250000.00}. It matured on XX/XX/2024, and when I close the account on XX/XX/XXXX, XXXXthe interest should have been {$8900.00}. However, the bank issued a check for {$8800.00}, shorting me {$3100.00}. Despite multiple attempts to resolve the issue, both the bank staff and customer service have shifted the blame to the bank 's system. After three weeks passed, I contacted Citibank headquarters on XX/XX/2024, but they refused to reimburse the difference.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always ensure my payments are made on time, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (CA)

I have sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IA)

I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (WI)

There was a collection account of  XXXX  reported by collection company by the name of receivables performance on behalf of  XXXX   XXXX  to all  XXXX  credit bureaus,  XXXX   &    XXXX   removed the collection account, because I did n't owe it and it was n't validated by the collection agency, for that reason. Experian refused to remove it after I sent a letter as I did with to the other  XXXX  credit bureaus explaining I did not owe it and they needed to validate it, Experian told me to go back to the collection company to have them remove it, after several calls to the college agency, it has not been removed. And call after call to Experian still refusing to remove it.
Consumer complaint received 2017-06-19
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. (MS)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX  is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans tha t   XXXX   XXXX    is reporting on  my credit report. If  XXXX   XXXX  can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to  XXXX   XXXX  in regards to this issue but have yet to receive a response.  <P/><P/>  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  , PA   XXXX   This  letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.  <P/> Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I have  the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required unde  r Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be   promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.  <P/> I demand the following account be properly verified or removed immediately.  <P/> NameofAccount : Date Reported : ProvidePhysicalProofofVerification :  XXXX   XXXX  {$46000.00}    XXXX   XXXX   XXXX   Unv erified Account
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I live in a flood plane and which means that I have to carry flood insurance to statisfy my mortgage requirements. I previously had my home hazard insurance and flood insurance with XXXX. After a very poor experience with XXXX, I switched my home hazard insurance to XXXX. My flood insurance is set to renew this year on XXXX. I have been trying to switch that over to XXXX as well. <P/>In XXXX, I found out that my mortgage company, who handles my escrow, Shellpoint Mortgage sent over renewal payment to XXXX for my flood insurance. I did not request this nor want it. I only found this out when I called to have the insurance be switched to XXXX. <P/>Since then, I have been trying to get the insurance switched. On XXXX, Shellpoint told me that a check would be sent to XXXX. Then, once they received that payment, they would provide me with a Decleration Page, which I could use with XXXX to cancel the current renewal and get the original payment refunded. <P/>On XXXX I received information from XXXX that the check never went out. Upon calling Shellpoint, they confirmed the same thing. After spending over an hour on the phone between both parties, Shellpoint said that they would overnight a check to XXXX to make sure that we could get this worked out before the renewal date of XXXX for my flood insurance. <P/>On XXXX I called Shellpoint to confirm everything was good, and get the overnight check information ( tracking number, carrier, etc ) so that XXXX could easily find the check. Then I was informed that the check never went out and that it takes them 'time ' to process the check. <P/>I am currently on the phone trying to deal with this issue. However, I have very little faith that it will get worked out. I am worried that I will not be able to switch my flood insurance to XXXX and even if that happens, I am worried about being able to get a refund from XXXX. <P/>Please help.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I had been using XXXX connected to my PNC account for years, but now all out of a sudden PNC decided to disconnect the service. It might be because PNC recently launched the PNC Pay service to compete with XXXX and others. Very unfair.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am card member with Capital One VISA and my credit was used outside the United States on   XXXX   XXXX  , 2017. The day my credit card was used, I received an e-mail as a notification that prompted me to check my transaction and let them know if it is was mine or now. So within ten minutes of receiving this e-mail, I called Capital One to let them know about this fraudulent transaction. They told me to not worry because if this is my transaction then they wont pass it and I believed them because the bank as a {$0.00} fraud liability for the consumer. But after 30 days I received call from an investigator who said that the reported fraud was not actually a fraud and the card was used physically. I explained to him that this not possible because the card was with me and I did not leave the country. When I asked for proof, he did not give me any and just said that the chip of card was used. Then I called again after a few days to ask them to do the investigation again but again I was put in the same situation. When I pressed for proof, they told me that my signatures matched in the receipt and so I asked them to send the receipts ( attached below ). When I received the receipts, I could clearly see that the signatures were not mine and somebody had clearly tried to copy it ; both receipts had different signatures ( attached below is a copy of my actual signature ). So I called them about this discrepancy but nobody listened to my complaints. Every time I called customer service, there was a different person on the line and was not fully aware of the situation. When I kept calling, I started receiving the same answer about the card being used physically but I was never given any further proof. Every time there is a big transaction a bank calls to confirm the transaction so I asked the bank to give me proof that call when about this fraudulent transaction, but they told me they couldnt give that to me. At this point, I was tired and feeling harassed by Capital One. They never gave me any valid proof and because of this fraudulent transaction my credit score also went down. Now, to add to the trauma, they keep adding interest to the fraud charge and expect me to pay it. However, I never authorized this transaction and neither am I able to pay this large sum of money. Despite of my early warnings and continues calls, the bank authorized the transaction and continues to harass me about a fraudulent purchase.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/XXXX, I received a loan modification for the mortgage on my home that I have lived in for 22 years. It was a principal and interest only loan, with my monthly payment totaling {$440.00}. The loan was made possible by extending the years on my previous mortgage, which thereby lowered my payments. The interest rate was fixed for a 30-year term. In order to be accepted for this modification, I had to go through a 3 month trial period to ensure full payments of {$440.00} were made by the first of each month. I met this requirement and therefore, my mortgage payment stayed at the rate of {$440.00} for the remainder ofthe loan. I knew that this was a principal and interest loan, and that I was responsible for paying real estate taxes and home owner 's insurance, as was directed on the signed contract. I continued to pay my taxes and home insurance and am current on all payments up to this date, XX/XX/19. 

Approximately a little over a year after my XX/XX/XXXX modification started, I received a bill from Citizen 's Bank/CCO Mortgage stating I owed approximately {$5000.00}. They said that they had mistakenly not included escrow in the modification from XX/XX/XXXX and  therefore, owed this amount. But, I had paid the town of XXXX, MA for all the real estate taxed owed as well as paid my home owner 's insurance. I tried to set up an escrow account with CCO mortgage from that date forward, and provided them with proof of all the last year 's taxes and insurance payments. They did not agree to this. I have made several attempts to resolve this issue and am still paying real estate taxes and home owner 's insurance, as well as my {$440.00} monthly mortgage payment. CCO Mortgage claims that they have been paying the real estate taxes and insurance, and now say I owe them thousands of dollars, as this issue has gone back and forth for the past few years with no resolution. 

I have provided to CCO mortgage all documentation and proof of taxes and insurance payments, and can still provide this documentation, if needed. At this time, they are threatening foreclosure, though I've continued to make timely payments. I appreciate receiving the modification, which allows me to stay in my home, and just wish to resolve this issue as prorrptly as possible.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I opened an  HH Gregg st ore credit card through Synchrony Bank in account in  XXXX   2012 . I agreed to a 0 % annual percentage rate fo r twenty four  months, and then a slight rate increase thereafter, which was not honored. Instead I keep receiving statements with very high interest rates, including an inflated annual percentage rate of 29.99 %.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SC)

Hey, I was traveling overseas last year, and wanted to rent a car, so I decided to use one of the benefits that my XXXX Credit card offer, which is insurance coverage, and this is the reason I applied for this card. 
The way they advertise it is " Decline the rental company 's collission isurance and charge the entire rental cost to your card ''. 

So I rented a car on XXXX XXXX 2017 for {$150.00}, and when I went to pick up the rental car from the airport, the rental car company refused to accept the XXXX Credit card and wanted to charge me {$400.00} more on the top of the amount I paid, so I canceled the rent, and now the rental car refusing to take responsibility of misleading info on their advertising, and wo n't refund the money back to me. 
I talked to the benifit office of the XXXX Credit Card offered by Chase, and thei answer was that they ca n't help, they follow the policy of Chase, and when I called Chase, their supervisor said they ca n't refund the miney. 
What I 'm asking for is the redund of {$150.00} since I did n't lease the car, because their card is not acceptable like they advertise. 

Regards
Consumer complaint received 2022-11-17
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. (MI)

This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I submitted my final employer verification digitally on XX/XX/. It has been 30 days and the form has still not been processed, with no timeline in place. I have been paying my loans for 10 years while performing public service, and am in limbo with my loans because the servicer is not sufficiently staffed or efficient.
Consumer complaint received 2017-06-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX was bought out by Captal One Bank They are saying they have no records of these CD 's and assumed we cashed them out or do n't remember bc of my age or not remembering my own name. 1st CD deposit # XXXX principal amount {$1100.00} issue date XX/XX/XXXX apr 5.88 % maturity date XX/XX/XXXX term 18 months and then renews itself 2nd CD XXXX {$1000.00} issue date XX/XX/XXXX maturityXX/XX/XXXX term 36 months 5.6 % interest rate frequency rate monthly 3rd CD XXXX {$5400.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 18 months 4.75 % interest rate frequency monthly 4th CD XXXX {$3000.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 36 months 5.45 % interest rate frequency monthly FDIC has no record of any of them even being recorded pathetic that they should at least owe me what I invested but they do n't even show I made the transaction in the first place but I have all the documents!!! Do I need to get a lawyer for something I should n't have to?