davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the best buy store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is best buy and deb collector are call XXXX XXXX XXXX XXXX there account CITIBANK , N.A . / BEST BUY account the amount balanced $ {$2500.00}
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (WV)

A modification was requested in XX/XX/XXXX on this loan and was n't approved until XX/XX/XXXX. I made the trial payments and then nothing happened with my  modification packet. I never got anything to finish the process and I was told by Citi Mortgage that I needed to wait for the packet they were way behind ... To this day I have never received that original packet. In XX/XX/XXXX Citi tried to Foreclose on my property at the same time I tried to sell my home.. The foreclosure attorney found an unreleased deed of trust on my property that Citi failed to have released when they refinanced my home.. 
This stopped the foreclosure and it stopped me from being able to sell the home. 
I have tried from that point until today to get them to work with me.. The title is still not clear so I cant sell the property and they have a foreclosure sale date set for XX/XX/XXXX. I tried to work with them in hopes to do a short sale once I hire someone to clear the tile since they are not willing to clear it and they will not stop the sale. I have a XXXX husband and a XXXX XXXX old grandson that I need to relocate very fast if I cant get this sell stopped.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (IN)

Regarding Chase Freedom Visa Credit Card ... 

I received a notice today that they were increasing my Interest Rate from 12.24 % apr on purchases to 15.99 % apr beginning XX/XX/18. I have the option to reject the interest rate/apr increase, however, I would have to close my account. I think it is unethical to impose more than 3.75 % interest apr in one big leap. I have NEVER missed a payment to them in approx. 20 years. 

Their explanation on the notice stated " We are changing the Annual Percentage Rate ( APRs ) because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I would like to keep my Chase Freedom Visa Credit Card, however, I am experiencing a hardship and will be unable to afford my monthly credit card payments when this APR is increased. 

It would not be in either my best interest OR Chase Bank 's best interest to loose me as a customer. 

This to me seems unfair business practices. I am currently maxed out with my credit limit with Chase, however, I repeat, in approx. 20 years I have NEVER missed a payment ... ever!
My only alternate solution may be to apply for a hardship program or consider filing for bankruptsy, in which case, Chase would receive no repayment of the credit card debt I owe them. 

In addition to my Freedom Visa with Chase, I also have a Slate Visa with Chase, and of which my payments have NEVER been late.
Consumer complaint received 2017-11-14
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: Synovus Bank (NV)

First Off, I have a secured card limit of {$350.00} The invoice read due, {$370.00} At the beginning of XX/XX/XXXX. I maid a ACH payment of {$360.00} to the card The next two business days, the payment was reflected on my account and I had a XXXX balance. I had available credit of {$330.00} and change. 
Two days later, my bank had sent them a check draft for {$370.00}.
After they received this additional payment, they put a hold on my existing available credit pending the 10 day hold release from my over payment. 
When I asked them why they did this, they stated that when a customer make two payments, their account is immediately put on hold until the funds were cleared. 
When I asked for those additional funds to be placed in my secured savings deposit, they said they could not do that and that I would need to send that money to another address. 
INSANITY.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery has been reporting an invalid account to my credit file for close to 7 years. They are falsely accusing me of owing them {$1000.00}. I have never had any account with Portfolio Recovery. Also, I have no contract with them. I tried to get them send me any agreement that I may have signed. They failed to provide validation. This is clearly a fraudulent act on the part of Portfolio Recovery. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
Consumer complaint received 2017-11-15
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. (PA)

I have a loan that was on Identity Theft & fraud by XXXX XXXX XXXX that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for  corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
Consumer complaint received 2022-09-09
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: SYNCHRONY FINANCIAL (TX)

There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from rent track was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am constrained to file this complaint with your agency regarding my credit card account XXXX, which was opened in XXXX, XXXX, knowing you have a good track record in resolving these types of complaints on behalf of consumers. I am taking this extraordinary step of referring it to your agency, in hopes of getting a favorable resolution because I was unable to do so through the channels established by Capital One. 

As stated earlier, I opened personal Capital One credit card account in XXXX XXXX, and made some purchases on it during that month. Knowing the importance of maintaining a good payment history, I went ahead and made my first payment in XXXX, well in advance of my payment due date of XXXX XXXX, which was returned to my XXXX Bank account ( ending in XXXX XXXX, even after the account had been verified by an agent of Capital One. 

Following that, I made another payment on XXXX XXXX, which was also verified by XXXX Bank for my account ending in XXXX, but it was subsequently returned. Another payment was made on XXXX XXXX using the same account, and that too, was returned and my account closed. During the time that the amount was deducted from my account in XXXX, I attempted to make purchases thinking that since the payment had been deducted from my account, it would have posted to my Capital One account to cover those purchases. Unfortunately, the purchases were declined, and that was eventually ( letter dated XXXX XXXX ) advanced as the reason, along with suspicion of fraud, for which my account was closed. 

After spending hours on the phone with unsympathetic assistants, as you can see for their records and my phone records, which I can produce at your request, I now feel like there is nowhere else to turn but to you, to have this matter resolved because ultimately, the very XXXX bank account which had been flagged for fraud by Capital One, turned out to be the account that the my full payment, plus late fees, was deducted from on XXXX XXXX.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MD)

Last year around XX/XX/XXXX I had an XXXX XXXXXXXX. I was off of work for two months and all of my bills were behind. I communicated with flagship prior to the XXXX happening and I asked to be placed on the don not contact list. they confirmed that this was done. Flagship Credit went against my preference when I fell behind. They would call me repeatedly on phone number XXXX. They also called my grandmother in the middle of us mourning XXXX XXXX XXXX XXXX XXXX I called and politely asked could they please not call me or any of my family members. When I mentioned filing a complaint with the CFPB they tried to offer me a {$50.00} dollar discount towards late fees but to my surprise along with that letter I received in the mail was someone else 's personal information. I spoke to flagship and let them know I received someone else 's information along with mine. Nothing was done to recover this person 's personal information. And they still continued to contact me. I have received phone calls on my new number that I did not disclose to them, and I have not been able to pay my past due balance on the portal even while my account was caught up. I have screenshots of the calls. They have been sending certified mail with threats of repossession and the account is not 90 days past due. I feel that they have violated multiple rights I possess as a consumer. I have even been hung up on by a customer service representative.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

The company XXXX is trying to charge me for a debt that I paid for services from XXXX XXXX I received a year ago. This debt was quickly turned over to them and they collected it from me. Now they are claiming that somehow another amount was never paid even though they confirmed earlier this year that I had paid off my debt with them. This all took place at the end of XX/XX/XXXX and beginning of XX/XX/XXXX, when I started receiving XXXX due to losing employment for medical reasons. I called them on the phone today XX/XX/XXXX to talk to someone about resolving the issue. They told me that it didnt matter what I said, I still owed them the money. They didnt offer me any chance or way to prove that I paid the debt off in the beginning of this year. Instead of offering to allow me to research the issue they demanded payment and threatened to ruin my credit.
Consumer complaint received 2017-11-15
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)

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX, bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (SC)

On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have two hard credit inquiries I am disputing. The first is from XXXX XXXX, XXXX for a credit card from XXXX XXXX XXXX. The second is from XXXX XXXX, XXXX for a credit card from XXXX XXXX. Both of these were not authorized by me and were done by someone else fraudulently. I called XXXX XXXX XXXX to terminate the card and I have had no contact with XXXX XXXX.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

I awoke XX/XX/2021 around XXXX XXXX. to find my coinbase.com account emptied along with {$700.00} from my XXXX XXXX  account used to buy more cardano coins before they emptied my coinbase account. The scammer took me for {$4300.00}. I have reached out to coinbase.com for help getting my money back. I have emailed coinbase.com multiple times and have got no where with them. The only thing they did was reset my coinbase password and told me I was out of luck. The case number they gave was # XXXX. I just want to hopefully get my money back and I will never do business with them again. Please help and God bless
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (IN)

XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I had applied for a Citibank Costco credit card online on the same day I applied for other credit cards. All other credit cards were approved however Citibank denied the credit card because there were too many inquiries on my credit report. I explained this to Citibank and said that this reason was never mentioned anywhere at the time of my application that if there are multiple inquiries on the same day the card would be rejected even when the credit score is very good. This is misleading the applicant and also negatively impacting their credit record. Citibank should clearly indicate in their application process and not just say that it will be determined after the the credit score. This is not a transparent process and absolutely impacts the customer negatively.