davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
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: MicroBilt / PRBC (formerly CL Verify) (IN)

I have contacted XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, and Microbilt. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2018-03-18
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (CA)

I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

False charges all from XXXX XXXX. Two for {$17.00} and one for  {$12.00}, grand total {$48.00}. On XX/XX/2020 Capital One sent me 3 letters asking for me to call their support center for more information. I  did and was told, " never mind nothing more needs to be done. '' Capital One then rebilled these charges on XX/XX/XXXX. On XX/XX/XXXX I faxed Capital One referencing my case number XXXX XXXX and requested a credit into please stop asking me if I want to have a credit because this is request number 3 and yes I am disputing the claim however they rebilled me a third time! I do not know who targetdealz is. I want a refund of {$48.00} and I do not want Capital One question me if I am sure I want this done. I really do!
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eagle Accounts Group, Inc. (IN)

I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially.
Consumer complaint received 2022-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

FREEDOM MORTGAGE HAS IGNORED REQUEST TO PAY THE HAZARD INSURANCE FROM MY HAZARD INSURANCE AGENCY, EVEN AFTER SENDING XXXX PAGE AND BILL VIA MAIL, EMAIL, FAX AND CALLING TO SPEAK TO A SUPERVISOR " XXXX '' ON XX/XX/XXXX WHO PROMISED TO OVERNIGHT PAYMENT. AS OF TODAY, MY INSURANCE POLICY HAS BEEN CANCELLED. BY LAW FREEDOM MORTGAGE MUST PAY ESCROWED HAZARD INSURANCE AND TAXES. I HAVE {$2700.00} IN MY ESCROW ACCT. THEY HAVE PUT ME AT RISK. IN ADDITION, THEY HAVE RECEIVED MONIES FROM A THIRD PARTY TO CURE MY PAST DUE BALANCE, NOW REFLECTED AS DEFERRED {$21000.00} BALANCE AND I SHOW AN UNAPPLIED CREDIT IN THE SAME AMOUNT. I HAVE ASKED QUESTIONS REGARDING BOTH MY ESCROW AND WHY UNAPPLIED FUNDS HAVE NOT BEEN APPLIED TO THE SUBORDINATE BALANCE AND HAVE NOT RECEIVED ANY ANSWER. THEY HAVE REFUSED TO PROVIDE ANY ANSWERS IN WRITING, NOR DO ANY OTHER DUTIES AS A LOAN SERVICER.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (WI)

I was told that I have a criminal conviction of XXXX XXXX  XXXX XXXX on my record and that is not true. I was found not guilty XXXX XXXX XXXX XXXX On the background report it says guilty. Can you fix that?
Consumer complaint received 2022-09-06
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NY)

I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am a 100 % XXXX XXXX  and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/year> for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

The comenity bankXXXXbread XXXX company charged me interest on a balance that was paid 2 weeks prior to the due date. There was no balance left to charge interest on. I have called and requested they waive or dispute the charge but they refuse and keep hanging up on me.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (LA)

Some body used my JC Penney Master Card without my authorization on XX/XX/2016- reference # XXXX, amount {$0.00} XX/XX/2016 - reference # XXXX ) ) XXXX, Amount {$6.00} I want to know who abused my credit card.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc. (CA)

I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I got an text alert about suspicious fraud activities on my account on XX/XX/17 morning. So I called Citibank to notify them that I did not make the purchase and close the account and reverse any transactions right away. That person used my credit card to make purchase from XXXX, XXXX and XXXX. I was able to stop the items before they were shipped out from XXXX and XXXX.The item purchased from XXXX was a {$100.00} e-gift card which was used to purchase XXXX gift card. 

Three months later, Citibank charged me for that {$100.00} gift card purchase because XXXX claims that the XXXX gift card was delivered to my personal email address and was used. I have never seen that gift card email delivered to my email nor did I use it. I have already notified Citibank of fraud activities on my account on XX/XX/17 and they should have protected my right as customer. But they refused to reverse the {$100.00} charge of that e-gift card purchase and I have to be responsible for it now. I have spoken to the customer service and security department from Citibank and they treated me like I was the scammer, instead of a victim of fraud. 

That doesn't make any sense to me. What are the ID Theft and Fraud Protection Service for if Citibank can not monitor and protect my account from fraud activities?
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (IN)

I have a loan with One Main Financial. If I am one day late, just one day, not 15 days or even 30 days, they start calling 2-3 times per day. I believe this is excessive. I dont answer. I will pay, just things are tight so we always have to string things out a bit and are sometimes a week or 2 late.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received notice on my credit report that I had a XX/XX/XXXX Eviction Notice from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/XXXX, this was settled in court. This is still showing up on my credit report and I want it removed. Also, in the collections section of my credit report, XXXX XXXX XXXX stated I owed them {$4600.00} and this is incorrect.
Consumer complaint received 2016-10-10
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

.I filed dispute with XXXX XXXX XXXX XX/XX/2016 And they replied that debit was reported correctly. I 've researched and spoke with threatening debit collector and now submit documents, reciepts, photos of there claim that last month rent unpaid and damage to apt . Made up this fictitious debit. I was in Hospital XXXX and family paid my portion of Section 8 subsidised rent. They stayed in contact with management concerning my status.When I returned home there were no doors to my apt . XXXX. Management informed me they had removed doors because of my not answering them. I was XXXX ill and now homeless no clothing all was lost ( antique furniture, family photos, jewelry, electronics, etc. )
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 paid application fee to view unit thru XXXX XXXX XXXX. I'm a sec8 tenant. I paid to view a 3 bdrm unit at XXXX XXXX. XX/XX/2021 I received an email stating the the unit will not be shown on date set up XXXX. Once XXXX was contacted regarding the refund I was told the unit had been rented by owner and to go back on-line to find another unit. There was nothing on the web site that will take my 3 bdrm voucher. All my personal information was forward over for income verification. No response from XXXX XXXX just a link to view more units that I have to still pay for.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have tried 2 times now to apply for a secure credit card from My bank that I bank with bank of america they have declined My application 2 times now they have told me I don't meet their credit qualifications and I have things on my credit report that want allow me to get a secure credit with the bank that I bank with I have been with bank of america since 2017 and I can't even get approved for a secure credit card when I am putting up My own money for a secure credit card I don't agree with the decision for bank of america to decline My application 2 time 's for a secure credit card I don't agree with bank of america decision for them to declined me 2 times from getting a secure credit card so I can build credit how can I build credit if My own bank doesn't even give a chance to get a secure credit card this is bad business from bank of america bad business at it's finest.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the accuracy of my credit report, as the listed accounts ( XXXX XXXX XXXX and XXXX XXXX ) are confirmed cases of identity theft, acknowledged by the respective banks. The law requires immediate removal of such fraudulent accounts, and failure to comply will result in necessary legal action.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

There was a dispute submitted thought my bank account in the amount of {$230.00}, {$350.00} and {$600.00} by fraud because the time the disputes submitted i was out of the country exactly on XX/XX/2023 and i came back on XX/XX/2023. After i came back feom my trip i found all these mess on my account and i also didn't find my Card in my possession. I report fraud to the bank to investigate that all the transactions made inside the United States and i offer to provide my flight tickets and my boarding passes. Unfortunately two days ago i noticed my bank account has been closed without any notice or investigation resolution. Therefore please investigate with the bank and have my right and justice be served. Thank you very much and your consideration is greatly appreciated
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (SC)

Medical Data Systems Inc at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX has been sending me collection notices in the amount of {$210.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2017-03-01
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (FL)

XXXX gift card from Incomm. 
Had a {$25.00} gift card and with cash bought something for {$47.00}. Returned it to the store and the clerk accidentally put all {$47.00} back on gift card. XXXX froze the card saying it was more than {$25.00} and after calling XXXX or more times they are refusing to unlock the card. We ca n't speak with a manager. They are just stealing our money and there is nothing we can do. 
XXXX
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

Experian is reporting XXXX accounts as having reported a negative status. Because of accounts not reporting a payment status. These accounts are reporting current and or Paid in full on time. 
XXXX XXXX : An approved loan for one day only, on the wrong Car. 
XXXX XXXX : The same situation, a one day loan. 
XXXX XXXX : Reporting Status Current, only open two months. 
XXXX XXXX : Reporting Status Current, Paid and closed after 48 months of timely payments.. 
XXXX Credit Card : Reporting Status Current ( Paid off within 12 months to escape credit fees ), account closed by consumer.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc. (MO)

Date opened : XX/XX/2021 Amount : XXXX Credit Limit : XXXX The Balances on my Account were Fraud Transactions.
Consumer complaint received 2018-03-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (PA)

My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/XXXX, I got an alert from the following company ; XXXX, regarding an amount of {$1200.00}. This showed up again on XX/XX/XXXX after it was previously removed. Because of this, my credit is impacted by almost XXXX points ( again ). 

I explained that there was a name mix up. An individual has the same first and last name and lives in a different state ( I believe it is in Texas and they had a medical bill to pay that they did not pay ). Not clear how the mix up happened. Both Experian and the XXXX are being difficult to work with. Please help! 

Thanks, XXXX
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! 

I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. 

Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.