davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I spoke to a FedLoan representative on XX/XX/XXXX about what I could do to avoiding negative credit reporting. The representative explained that the best option would be to have a Delinquency Forbearance submitted for me. Despite this effort, a negative credit report occurred a few days later on XX/XX/XXXX. It was later explained to me by different representatives ( XX/XX/XXXX and XX/XX/XXXX ) that the first representative ( on the XX/XX/XXXX call ) should have advised me to use a General Forbearance, of which I had 702 available days ( and still have 702 available days ), but failed to give me this information and advice. It was also explained to me after the fact that a Delinquency Forbearance is not something a consumer like myself can request, but must be offered and processed by a representative. This Delinquency Forbearance was offered and submitted by the representative on XX/XX/XXXX, which resulted in a denial because the circumstances of my case did not meet the required criteria. I contacted XXXX again on XX/XX/XXXX when I learned of the negative credit reporting. At that time, another representative encouraged me to submit a dispute and took it upon himself to submit a request for review on my behalf. 
The XXXX representative that I spoke to today, XX/XX/XXXX, explained the he also would have advised me to use a General Forbearance at that time if had been speaking to me and that, had the first representative advised me of this, I would have been able to avoid the negative credit reporting that occurred as a result of allowing that representative to submit a Delinquency Forbearance rather than a General Forbearance. I feel that I was misled as to what my options were on that XX/XX/XXXX call by the representative. If I were given better advice and had been made aware that I had the option of using a General Forbearance at that time and not encouraged by the representative to allow the Delinquency Forbearance to be submitted on my behalf, I would have been able avoided this negative credit report.
Consumer complaint received 2020-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (TX)

The original debt was {$530.00} from Speedy Cash. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, XXXX XXXX XXXX with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My debit card, along with my wallet was stolen on XX/XX/2019. I immediately reported this incident to my financial Institution, Bank Of America. I was told the investigation would take 10 business days to be completed, or I would be given a temporary provisional credit on the 10th business day. I received a message on XX/XX/XXXX, saying my claim was denied. I quickly inquired about this, and I was told the reason it was denied is because the person didn't have any unsuccessful attempts entering my pin. I was mortifed by this ridiculous reason, so I asked that this claim is reopened and escaped immediately. I was told to send a police report ; however, I was never asked to send one prior to my claim being denied. BOA is horrible for denying my claim and not adequately investigating it.
Consumer complaint received 2019-11-15
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: Experian Information Solutions Inc. (SC)

XXXX, XXXX, and Experian are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect information.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with TransUnion and XXXX detailing this issue. XXXX completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX XXXXhat states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

AT TRANSUNION I CAN NOT GET MY CREDIT SCORE. I CANT SEE ANY INFORMATION EVERYTIME I LOGIN ITS ALWAYS BLANK IVE PAID FOR A MEMBERSHIP.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On Friday, XX/XX/XXXX I went to make an additional payment on my credit card and noticed that my balance hasn't changed much over time. I then noticed that I have been getting an additional $ XXXX- {$18.00} charge every month for a cash advance fee for well over a year now. 
This was odd because I have not used my card in over a year. I called customer service, transferred to a manger and was told that over a year ago in XX/XX/XXXX I got a cash advance for {$20.00}, total being {$23.00} with the fee. 
I have been trying to pay my balance down, I make extra payments and make over the minimum payment due. 
I was told that I have now paid {$850.00} for the {$20.00} bill I took out in XX/XX/XXXX. I was shocked and upset. I told them I send extra payments every month, etc., and asked how do I pay off the {$20.00}? I was told the only way I can pay off the {$20.00} was if I paid off my full balance first of almost {$1900.00} and until then I'll be forever paying for the {$20.00}, which for me would take a long time as I don't have that sort of money as a XXXX parent of XXXX kids to just send over {$1900.00}. 
I asked if there was anything that can be done or help with this matter and was simply told no. This is not right and seems unethical for a company.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (MI)

My complaint is against PNC bank account # XXXX status open with {$0.00} balance. I have been trying to dispute a late payment back in XXXX of 2018 that should not be there at all because I was never late and havent been late ever with PNC. I have years making business with the mentioned company and I was a satisfied costumer until I found out about this negative mark on my report. Therefore, I decided to dispute this information with PNC but when you try disputing anything with them they make it so hard to do so. They want the dispute to be internal with, a clear violation of FCRA. Not like other creditors that have a fax number or an address to send your dispute and start with an investigation as required by the FAIR CREDIT REPORTING ACT. So that is why I had to proceed through Consumer Financial Protection Bureau. Back in XXXX of 2018 I made the online payment through their online system indicated that everything was ok and me thinking that the payment went through. I received no notice of any kind that I was going to be reported as late. Not even a phone call so I could make the payment. This is negligence, unfair business practice, breach of contract and the list of violation can continue if I decide to take this case to a judge. Please PNC be reasonable with a loyal client of yours and correct that error and we can continue making business. I would appreciate a deletion letter through CFPB so I can present to my mortgage company. I have a {$500000.00} home loan pending because if this error. Im attaching a bank statement from XXXX of last year, to prove it was not a money factor or even less that did not want to pay PNC. Thank you!
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TN)

On the XXXX of, XXXX XXXX, was in process of ordering 2 pairs of XXXX XXXX sunglasses. During the second order that order was instantly swiftly taken from me on my computer and charged to, my Macy 's charge account which was a XXXX XXXX balance. I, had to stop and for the next while cancel the order. I, tried different ways to let them know. The employee 's were in. I, had paid the 1st. order with my debit card and that is what I was using with the 2nd. pair. When I, received my sunglasses I, received two. The second order address was to XXXX, Tennessee. The order was delivered to her the next day. The next morning I, was charged {$100.00} without my consent or, acknowledgement. Again after several attempts I, talked with the shysters. No remorse. They lied to me a few times and told me on XX/XX/20 XXXX would p/u.. It didn't happen nor on XX/XX/20 and the mistake they made has " bate and switch '' got my money free of charge! City Bank services Macy 's account. There is not a " dept. store service bank ''!. On XX/XX/20 my account still has my money. The cancelled order is still outside for p.u. since XX/XX/20 @ my expense. I, definitely want to be compensated. To me this is a Federal Offense. I, prefer charges be brought upon them. I, am filing a formal complaint and I, want charges brought against Macy 's employees that have been involved. XXXX.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX added a debt to my credit report that was not mine. They also sent it to Crain and Weiner. I had to file a complaint against them for harassment. They have stop calling me but put it back on my credit report. I called XXXX XXXX and they are saying that the collection added it back on. I feel like this is just more harassment because I filed a complaint against them. I want this taken off my credit report completely. 
This form of retaliation has to stop.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Santander Consumer USA Holdings Inc. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (UT)

My family members and I were constantly harrassed by the local Utah branch while I was hospitalized. 
I took out a title loan of {$1700.00} with the Loanmax of XXXX Utah in XXXX.  My first payment was due early XX/XX/XXXXXXXX  but in late XX/XX/XXXXXXXX I was hospitalized with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Loanmax representatives began calling my home and leaving several messages that violated third party disclosure. A family member informed loanmax of my hospitalization but they continued to call and violate third party disclosure. 
When I was discharged from the hospital in late XX/XX/XXXXXXXX, several family members approached me about the numerous messages left on my answering machine by loanmax representatives threatening to repossess my vehicle and damage my credit. I still have these messages saved and will be forwarding them along for proof. 
I requested that the state manager, XXXX, contact me to discuss the account but I only received one message from her to contact the local branch and work out arrangements with them. I made several attempts to reach her again but never received another call all while the local representative continued to leave illegal answering machine messages. 
In middle ofXX/XX/XXXX I'd finally had enough and threatened to turn over the recorded messages and family statements of harrassment to the local Consumer Protection Offices, State Consumer Protection Offices and Utah Office of the Attorney General. After playing all the messages that violated third party disclosure to local management I was told that due to the several violations and medical conditions I'd had brought on me that the loan would show paid in full and no other collection or contact by Loanmax would be made. 
I did not receive any other calls or contact until my mother contacted me on XXXX stating someone was just at her house threatening to repossess the collateral from her. She told them I did not live there, which I do not. I called the repo representative and told him the loanmax decision from XXXX and he said he'd contact Loanmax. Then on XX/XX/XXXX the repo company visited my mothers house again. I again called the repossession company and told them never to visit and harass my parents again. Then on XX/XX/XXXX after XXXX they harassed my parents again. Then on XX/XX/XXXX they visited my in laws threatening to repossess the van from their address where again I do not reside. They were told not to return but they did again on XX/XX/XXXX. 
Loanmax then sent a different repossession company back to my parents home onXX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX in early XX/XX/XXXX but loanmax claims no wrongdoing and their legal representation stated on XX/XX/XXXX that my account was properly notated and no further calls have been made or will be made to any of the telephone numbers I provided. The local branch then attempted to call me on XX/XX/XXXX at XXXX MST.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

I keep trying to use XXXX  to link my account to my external account ( XXXX  and XXXX  ) for transfers but it wont let me! It says the bank has to fix it but all my info is correct. It let me before now so idk what the issue is
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

On XXXX XXXX, 2019, I disputed for the third time an account named XXXX   with Experian. This account should have never been on my report in the first place, since I was never given notice of this debt and did not know of its existence until my credit monitoring service noticed a delinquent account. Upon verifying the legitimacy of this account, despite never receiving notice, I promptly paid it in full ( paid XX/XX/2019 ). After disputing it three times, Experian still had the balance only paid partially ( {$240.00} as of XXXX 2019 ), and still has a past due balance of {$56.00} showing in XXXX and XX/XX/2019, despite being provided with the receipt showing the full {$310.00} paid in XXXX 2019. 

The original creditor admitted sending a notice letter to an address they knew I no longer resided. They had knowledge of my new address ( to which I had moved more than a year prior to the supposed notice letter they sent ) and still failed to send notice to the new address.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (NY)

I have received repeated calls from XXXX Ext. XXXX regarding some sort of collection debt for my wife. I informed them I not aware of any outstanding debt and the name on file although similar is not my legal name. The person now is contacting my job asking my office reception for personal information regarding my wife.
Consumer complaint received 2019-11-15
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 (NV)

On XX/XX/XXXX signed up for a 30-day trial of XXXX  ( grocery delivery service ) Made an order that was completely a mess - called XXXX company to cancel service that same day when mistakes where made with the first and only attempt to use their delivery service. 

On XX/XX/XXXX noticed a charge was made to my Capital One card - contacted both Capital One and XXXX to disupute the charges - spent over 90 mins on the phone with Capital One representative who added a representative on the phone from XXXX to our conversation. XXXX - agreed that the account was closed and Capital One assured me that the charges in dispute would be refunded. 

One year later - XX/XX/XXXX once again charges appeared on my card in the amount of {$99.00}. I filed fraud complain online with Capital One as this charge was in no way approved by me - to my knowledge this account had been closed 1 year ago. 

On XX/XX/XXXX noticed charges for {$99.00} had been applied once again to my card from XXXX. Called Capital One by phone on XX/XX/XXXX to dispute the charges once again - senior dispute representative of Capital One explained to me that I would need to supply an email from Instacart from initial ( one year ago ) dispute indicating account was closed. I explained that I dont believe they ever sent me an email as we completed this over the phone - phone conversations are recorded as the Capital One representative had assured me the day we made the call w/all parties on the phone and XXXX had agreed - on the phone that the account was closed. 

I am therefore once again disputing the charges in the amount of {$99.00} for the XXXX XXXX charges to my Capital One card for a service that I did NOT agree too.
Consumer complaint received 2023-07-27
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, Walmart transfered my Walmart card too capital one card services and said there will be no problems while this happens, we'll they lied, my card with Walmart I had with 10 years and 11 months with no missed payments at all. Once capital one received my account they closed my card and stated to me I had missed payments on my Walmart card and no payments at all, well I told them sorry that is wrong and is a lie, told them restore my account and they refused as I told them I checked my credit report and it shows no missued payments at all there company closed my account in good standings. Capital one transfered me to the fraud department and I said what fraud, they only fraud is going on is there agents that closed my account in good standings. Until now capital one still refuses to reopened my account as they have lied about missed payments on my Walmart card for 10 years and 11 months and there fraud department agreed with me fully too. This is very wrong of what capital one has done to me, I told them I will not pay on a closed account which they have done in the past to me and nothing has been resolved at all. I made disputes with the credit bureaus and they report things are resolved, nothing was resolved at all. Please call me for any information you need. Thank you XXXX XXXX XXXX note fully XXXX They discriminated against because I am XXXX.