davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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. (TX)

I disputed a charge made on my Citi Mastercard ending in XXXX for {$320.00} at Home Depot under dispute code 53. Per the MasterCard Dispute Resolution Guidelines, the issuer may use message reason code 53 when the cardholder contacted the issuer alleging that the goods or services received were either defective or not as described. 
When using this dispute code the Chargeback Conditions must include both of the following : Both the issuer and the acquirer are located in the United States, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and/or the U.S. Virgin Islands and Goods and services did not conform to their description. Examples include, but are not limited to : Goods and services that did not conform to their description. Examples include, but are not limited to, a 100 percent money-back guarantee, written promises, or a return policy. The Supporting Documents needed are a Cardholder email, letter, message or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX XXXX stating all of the following : The cardholder engaged in the transaction The cardholders description of the goods or services the cardholder expected to receive The cardholders description of the goods or services the cardholder actually received The cardholder returned the goods or informed the merchant the goods were available for pickup. 
The cardholder contacted the merchant to resolve the dispute and the the merchant refused to adjust the price, repair or replace the goods or other things of value, or to issue a credit. 

All of these conditions were met, and I provided CITI with a copy of the MasterCard Dispute Resolution Guide, highlighting the requirements provided, the original sales receipt, a return refusal receipt dated and provided from the merchant as well as a letter meeting all the requirements of form XXXX. 

Citi failed to provide properly submit this dispute, or resubmit upon receiving these documents on multiple occasions. Even worse CITI agents have made multiple deceptive and untrue statements in an attempt to prevent CITI from having to meet its legal requirement under the FCBPA and the MasterCard Dispute Resolution Procedures.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express charged me a {$3.00} XXXX processing fee for an item I purchased from an XXXX company. I was never informed, in advance, that I would be charged this fee and I did n't authorize it. American Express refuses to credit the fee and is insisting that the charge is valid.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (NV)

I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal. 
The opening and closing balances were positive on that day.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (SC)

In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint. 
Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI XXXX.
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This is my third attempt disputing with Equifax, XXXX  and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2022-07-05
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. (FL)

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, - XXXX XXXX XXXX
Consumer complaint received 2016-07-12
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HONOR FINANCE, LLC (IL)

My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harris Law Group (CA)

I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by Harris Law Group at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX XXXX the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have been a with BESTBUY/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX XXXX  XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX XXXX, and Equifax to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX, Equifax and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CT)

I entered into an agreement with XXXX XXXX to resolve a XXXX account. The agreement was for XXXX monthly payments. On the XXXX payment, made in XXXX of XXXX, XXXX XXXX applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized XXXX to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at XXXX, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from XXXX on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called XXXX on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.
Consumer complaint received 2016-11-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One ; In XX/XX/XXXXpromised to process my refund in amount of {$400.00} in a certain time frame of 7-10 days, Capital One, has not delivered on their promise as to date, they have reported negative account information, and have not contractually the obligation of full disclosure, including A/R and A/P of account and has not disclosed in tax information, original contractual agreement, insurance polices etc.. which mean contract is void by their breach/ failure to perform.
Consumer complaint received 2021-10-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

Customer Financial Protection Bureau We are reaching out to you as our last resort in hopes that you can help us with an urgent matter in order to move forward with our plans. 
We have been trying to get our homes title clean since XX/XX/XXXX ). We have been calling every bank and every number that has been provided to us, only to get nowhere. No one seems to be able to provide us with any information. We are trying to refinance our property but the property has a lien that shows the second mortgage that was included in the XX/XX/XXXXmodification. No one seems to have this lien, but no one wants to clean the lien. 
We purchased our home back in XX/XX/XXXX with a 80/20 predatory loan with XXXX XXXX. Then XXXX transferred the loan to Ocwen bank were in XX/XX/XXXX we applied for a modification and were approved. After qualifying for the modification, they forgave the small loan which was part of the modification and we continued paying our home all these years without any problem. Ocwen bank transferred the loan to PHH Mortgage ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ) whom stated that they can provide a payoff letter only for the mortgage that they have, but they can not provide a payoff letter for the second mortgage. 
We are very frustrated because it seems like no one can help us. We even contacted MERS who told us to contact XXXX, but when we called XXXX, they transferred us to PHH  because they are the same mortgage company but we end up with the same answer. 


We are requesting your help to clean the lien on the title. We hope to hear from you soon and we want to thank you in advance for your time and assistance. 

Sincerely,
Consumer complaint received 2022-10-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

XX/XX/2020 chime bank closed my checking account with XXXX remaining funds and my savings account with XXXX in it chime will not send them back to the issuer or to me. They are now saying that they will no longer discuss my account with me.
Consumer complaint received 2021-04-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Quicken Loans is discriminating against people who were on a forebarrance due to COVID19 financial hardship. Due to errors made by XXXX XXXX, they are using this as a means to deny my application. I have excellent credit and this is absolutely ridiculous. XXXX XXXX explained to the mortgage associate what the circumstances were, but XXXX  went forward with cancelling my loan.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc. (NC)

SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.
Consumer complaint received 2016-07-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Russell W Richardson, Attorney at Law (IN)

Company has called XXXX family members. They have my first name correct, but not last name. I 've started receiving these scams since I recently received new credit cards. I 've told them it 's not my debt, and they still continue to ask how I 'm going to take care of this debt. If I do n't, legal action will be taken. They will not validate the debt, except a generic invoice through email. It 's also a debt from 2008, over 8 years ago. The 'representative ' claimed they have special permissions to bypass the statute of limitations.
Consumer complaint received 2020-12-21
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: STERLING JEWELERS, INC. (NY)

I am writing to KAY JEWELERS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting KAY JEWELERS agency to remove this ( charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-12-21
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. (MA)

Equifax is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally Equifax had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. Equifax, then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX  {$670.00} ) itself, but because Equifax dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Consumer complaint received 2020-12-18
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. (TX)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have disputed ERC Collections many times off of my credit and they have continuously stated that this debt is verified. I have asked for proof of the validity of the debt but have yet to receive it. I want to know what they used and how they are proving that this debt is verifiable.