davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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 (VA)

On XX/XX/2022, I mailed Capital One some documents pursuant to the Fair Debt Collection Practices Act that I have attached for reference and they have completely ignored me. They still send monthly statements demanding payment from me, but have failed to respond to the letters sent to them. 
I am aware that Federal Law supersedes State law in this matter and they have violated many Federal laws. 
If they try to come back and say that the above mentioned section does not apply to them here is the definition of debt and debt collector : 15 USC 1692a ( 5 ) debt : means any obligation or alleged obligation of a consumer to pay money 15 USC 1692a ( 6 ) debt collector : means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose is the collection of any debts. 
Considering those two definitions Capital One qualifies because each monthly statement that they send, they are alleging that I am obligated to pay that AND they are using the mails to send those statements. Also note, that Capital one principal purpose is to collect on any obligations alleged or not. 

I am also aware that Capital One is not apart of the exclusions section. I am the one who originated the credit because without me filling out the credit application, the credit would not be there.
Consumer complaint received 2020-11-25
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. (GA)

I placed three orders with XXXX. None of the orders were received. I contacted XXXX to have refunds processed on XX/XX/2020. I reached out to Citibank to find out why they have not processed the refunds and put the money back into my account. I emailed and left voice messages for XXXX XXXX in the executive office to get back in touch with me two days ago. I have reached out through chat and phone since then to no avail.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXXl XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, Equifax, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (NC)

I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and XXXX has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

Grain technology violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

My income has decreased and I sent to my mortgage company a request with my financials for the mortgage modification. I was declined because they said I had already had 1 modification within the last 5 years. I don't want to lose my home and Wells Fargo is unwilling to assist me. I have been reading and there is assistance under the XXXX XXXX & XXXX XXXX Modification Flex plan. I have resubmitted my modification request.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CT)

I have been trying to pay off a mortgage with Amerihome Mortgage. My bank sent them a bank check on XX/XX/22. They sent the check back. I called them twice in XXXX and the second time, the representative stated that they would take XXXX payments. I have sent them those payments daily up to the balance due. They took both XXXX and XXXX mortgage payments out before they were due. I did not authorize this! I just want to pay off this mortgage. My last call was with XXXX from the Resolution Department on XX/XX/22. He said they are holding the last XXXX in an account!! He said he could not accept this payment. Why were they able to take all the other payments?? Meanwhile, I am getting charged fees. I would like this paid off as soon as possible and all my over payments paid back to me. 
XXXX XXXX
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old Capital One credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the Capital One monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the Capital One statements, the account was charged-off on XX/XX/XXXX and based on Capital One policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to Capital One was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX  ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called Capital One ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX XXXX and XXXX  but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to cancel my membership with EXPERIAN, my monthly membership of {$24.00}. Starting on XX/XX/2018. 

I sent 10 emails and non of them was answered. 

I called 10 times and the automated attendant never guide me thru a real person. There is no option to cancel the account, but when I manage to transfer the call to a representative, the waiting time is more than 2 hours, the call ends abruptly before an agent took my call. 

Today XXXX XXXX I'm still not able to speak with Experian to cancel my account.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A. (GA)

I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (LA)

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Serv. continually send my mortgage statements late. After I called, I did receive a few of them by the XXXX of every month. But the vast majority of my mortgage statements are late. In XX/XX/XXXX I did not receive it until XX/XX/XXXX and in XXXX, again I received it late, on XX/XX/XXXX. As of today, I have not receive my end of the year statement. I also sent two letters in XXXX, XXXX requesting the closure of my escrow account. I called SPS on XX/XX/XXXX and spoke with XXXX regarding my escrow closure request and he said to email the request. I emailed the request and received confirmation from SPS they they had received it. I could send a copy of the email and confirmation per your request. After receiving a letter from SPS to upload the escrow closure request. I uploaded it and again received confirmation that it was successfully uploaded. On XX/XX/XXXX I spoke with XXXX who also confirmed that the escrow closure request had been received via email and uploaded from me, and my home insurer had emailed the declaration page home.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

Disputed account on XXXX of XX/XX/2021. Contacted the original creditor and they confirmed {$0.00} balance. Spoke with representatives around the XXXX of XXXX. They hung up on me numerous of times when tried to explain that I do not owe on account. I did not receive any written notice nor have I spoke with anyone before reflecting on my report.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (UT)

I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.
Consumer complaint received 2022-02-04
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CT)

I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX
Consumer complaint received 2024-01-24
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. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/2023 XXXX - XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-07-20
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. (CA)

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX  / XXXX / {$7200.00} XXXX XXXX XXXX / {$9200.00} XXXXXXXX XXXX / XXXX / {$17000.00} XXXX XXXX / XXXX / {$21000.00} XXXX  / XXXX / {$21000.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-06-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CHECK INTO CASH INC. (MO)

the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashMax LLC (TX)

I opened a loan with boost finance. I paid it off two weeks ago yet my account was drafted today. When I called them about it. I was told I needed to wait three days so that they can refund my payment. The also apologized. That is not ok. They shouldnt have taken it to begin with. They put me in a financial bind.
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MT)

I rented a safe deposit box in XXXX XXXX branch of chase in XXXX, NY in 2015. When I went to my safe In XXXX 2015, I found the hinges of my box cut and the door open ( I did not need to use my key ). The person in charge told me that they had to cut the hinges to open the box next to mine, however when I asked her why you did cut the hinges of my box and you did not inform me before cutting the hinges, she did not have any answers. She only gave a phone number to call. I called many times and asked them for at least an explanation or apology. They promised to do so but I have never received anything from them so far.