davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
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: CITIBANK, N.A. (FL)

You Have 2 New Inquiries 2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit. 

XXXX Inquiry Date : XX/XX/2019 Phone # : XXXX XXXX XXXX XXXX The above inquiry was made of me at XXXX in connection with a fraudulent, unauthorized ( not me ), and therefore entirely illegal application for credit with subject merchant unbeknownst to me until informed by XXXX. I have attempted to pursue, rectify and address the above malfeasance and transgression with the subject merchant to no avail. Therefore, I am resorting to CFPB for protection and redress.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Fedloan Servicing is not following the instructions on how to credit the payments to my student loans. These are beyond the required monthly payments and are extra payments made to pay off the balances early. Despite providing specific instructions in writing and on the physical checks themselves to apply the payment to the highest interest loans, the company took it upon themselves to distribute the payments across the loans as they saw fit, disproportionally towards the lowest interest loans. 
XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest Balance % of total Balance Payment % of total payment XXXX 4.25 % {$430.00} 7 % {$110.00} 23 % XXXX 3.15 % {$2200.00} 34 % {$130.00} 27 % XXXX 3.15 % {$2600.00} 40 % {$160.00} 33 % XXXX 3.61 % {$1200.00} 19 % {$84.00} 17 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$4.00} 1 % XXXX 3.15 % 34 % {$170.00} .00 34 % XXXX 3.15 % 40 % {$210.00} 43 % XXXX 3.61 % 19 % {$100.00} 22 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$140.00} 18 % XXXX 3.15 % 34 % {$220.00} 28 % XXXX 3.15 % 40 % {$280.00} 35 % XXXX 3.61 % 19 % {$140.00} 18 % I have contacted the company multiple times requesting for them to submit the payments as instructed on the checks in the uploaded documents but each payment I submit they disregard the instructions.
Consumer complaint received 2020-01-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Card Acquisitions Group (AZ)

Was contacted by XXXX XXXX and some other man named something XXXX, they threatened me with jail time, told me I needed to adjust a payment within the next two hours or authorities will be sent to my house. Me being scared, I immediately set up a payment plan. I later found out that their whole entire process was illegal and that it could not take affect to my credit. They also broke their own contract towards these new payments by refunding me my money in order for me to take my complaint off XXXX. This needs to be removed from my credit score for unlawful actions.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

TRANSWORLD SYS INCXXXX XXXX {$4100.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe TRANSWORLD SYS INC and would like this removed and deleted from my credit report as soon as possible.
Consumer complaint received 2020-01-24
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 (PA)

Capital One credit card : I made an extra payment by accident through my checking account. This resulted in {$930.00} in overage payment to Capital One, and a negative balance on my credit card. Unfortunately, since it went through my bank could not recall the payment. 

I called Capital One on XX/XX/XXXX to have the money sent back to my checking account. I was given a 4-5 business day period for the ACH to go through. I had to call back on the XXXX and it was still not processed. They had to submit another request for another 5 business days. 
Why does it take 10 business days to process a simple ACH? I work in a financial institution and it takes a maximum of 2 business days to process an ACH. 

The managers I was put on the phone were absolutely horrible. They said there was nothing that could be done and even suggested to hang up and call again. What kind of terrible customer service is that from Capital One? 
It is now XX/XX/XXXX, so that is 13 days that this money still has not been returned. What if my checking account was overdrawn this whole time? 

" What's in your wallet? '' Absolute garbage.
Consumer complaint received 2020-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2020 I went to XXXX  XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get one in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.
Consumer complaint received 2020-01-24
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 — Problem with personal statement of dispute
Company: BOK FINANCIAL CORP (NM)

On XXXX XXXX I started a dispute with XX/XX/XXXX to have my late mortgage payments from XX/XX/XXXX-XX/XX/XXXXto be removed. They removed all mortgage payment history not just the late payments. In XXXX of XX/XX/XXXXI filed bankruptcy and didn't reaffirm my loan so I understand why its not reported after XX/XX/XXXX. I have called my mortgage co., Bank of Oklahoma, and the bureaus to get my history prior to filing bankruptcy put back on to no avail. My score dropped over 70 points and am being given the runaround every time I call. I just want my old history back on my report and no one will help me. I'm trying to improve my credit and this has set me way back. Please help!! 
Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2020 account # XXXX and # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

I have a hard inquiry from JPMCB on XX/XX/year>. 

I did not apply for credit recently. 

This should not be on my credit history.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

On or about XX/XX/XXXX I opened a Citibank Basic Checking Account after seeing an offer described by Citibank that if I opened a Basic Checking Account, deposited at least {$5000.00} within 30 days of accounting opening, and held at least that amount in the account for 60 days that within 90 days after fulfilling the conditions of the agreement I would receive a {$200.00} checking account bonus. I soon deposited approximately {$5000.00} on XX/XX/XXXX into the account. On XX/XX/XXXX I received another email update from Citibank about the offer and thanking me for enrolling in the Citibank {$200.00} checking offer and repeating the terms of the agreement. 

On or about XX/XX/XXXX I utilized the Citibank Mobile Application 's chat function to inquire as to when my bonus might be depositing, as it had been well over 60 days since when I opened the account and deposited the qualifying funds on XX/XX/XXXX. 60 days since my deposit would have been around early XX/XX/XXXX. The Mobile Application representative stated they could not resolve the issue and to call their One Stop Sales Unit, which I did on XX/XX/XXXX. The representative at the One Stop Sales Unit was confused and did not know how to search for the offer clearly, saying too that often the offers are for holding money in the account for 90 days or more, and provided essentially no clarity or guidance. 

I withdrew {$3000.00} of the {$5000.00} I had held in the account since XX/XX/XXXX on XX/XX/XXXX, my first withdrawl from the account. I am concerned as Citibank has been very unclear on when my deposit bonus will be depositing, as that is {$5000.00} I could be storing in other accounts that actually provided material interest income ( which are generally well over 1.7 % at the moment compared to Citibank Basic Checking 's essential zero interest ). Furthermore Citibank makes it extremely difficult to get any clear, definite answers on the matter as neither their chat representative nor their One Stop Sales Unit personnel have any meaningful knowledge on how to handle the matter.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is attempting to collect a debt that is over 4 years old and should be removed from my credit report. In the state of Texas they have to remove it after 4 years and it has been over that. This company is shady and does illegal things like calling me well before XXXX. They are constantly harassing me for a debt they CAN NOT collect and are damaging my credit and effecting my life.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

Our mortgage is currently with Specialized Loan Servicing ( SLS ). When COVID forbearance options became available, we requested a forbearance on our mortgage, but quickly realized we didn't need those benefits and requested to have the forbearance removed. They removed the forbearance promptly and all seemed well. This occurred XXXX 2020. 

Some time around XXXX, our account began a review for mortgage assistance, although that was never requested by me or my husband. I spoke with a representative on the phone who confirmed this review started with no specific request from the account holders. This mortgage assistance review caused a slew of issues. Our normal monthly payments and escrow only payments were disrupted and were not applied appropriately without having to contact the company by phone ( which is very difficult to do ) to get the account situated. 

The main reason for my complaint today is the valuation report that occurred as a result of the mortgage assistance review/request. We were charged an {$85.00} fee for this valuation report that, again, we never requested. I spoke on the phone with SLS requesting for the fee to be waived two different times and sent a written letter requesting the same. We received a letter from the company saying they received the request and were reviewing it around the beginning of XXXX and have not received a response. 

We never requested mortgage assistance. We were paying our mortgage each month and was never late or behind. We never requested a valuation report that we were charged for. I really wish we could switch mortgage companies, but all I am requesting today is reimbursement of the {$85.00} fee for the valuation report we never requested.
Consumer complaint received 2021-02-25
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. (AL)

I have made several attempts with the following credit bureaus : Equifax, XXXX, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Cadence Bank (AR)

Now a law firm working for someone got inside information from a county employee and used that information to garnish her ssi retirement savings for XXXX dollars and used my name again first that money was not mine in any way shape or form and I didnt even bank at bankcorp south when they ducked the rest of her money out leaving her savings wiped out and making it look like it was my fault Im no lawyer but I dont see how in the world any of this could be legal in any way shape or form. It went from bad to worse as I was dragged to jail after a level XXXX  XXXX offender stated to a XXXX county deputy XXXX XXXX that I tryed to run over him he accuses me of trying to run him down officer XXXX  beat on me in the jail in front of of other officers and jailers screaming I know your playing possum on me until a nurse was called up front she told him to get me to the emergency room now and he loaded me up and dropped me off at the local er XXXX XXXX XXXX where they tryed to XXXX   me with a XXXX XXXX XXXX in charge of the er and officer XXXX   went home I wan na get as much of this out as possible because I fear for my life now I have been set up I local towns for ludicrous charges and am still going to deal with this whole county is so dirty I never really could have reached 10+-ye are I need the help of the federal law inforsement agency thats in charge of this or I will be XXXX  by this time next year they are trying to beat me down but I have all the documents supporting my facts and if I dont they will be a fake document issued by local government and police judges and clerks backing up my statements thank you very much for your time and I pray to god thi didnt fall on deaf ears Ive never been in trouble with the law or anybody in my XXXX  years of life now all this has happened in a less than two years I know this for a fact if someone wee to administer polygraph exam I would take it first and let all the other people go after me I know what the outcome would be I could pass a million questions they cant pass any hes wainting to arrest me now! The city council in XXXX XXXX is dirty so Im assuming that the ones in XXXX XXXX and XXXX  are as well its way to much to list here but thats a start XXXX XXXX XXXX Arkansas XXXX thank you
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX and XXXX was removed from my mothers transfered to my account and removed from that account and I believe some one hacked my account because the same name that took the money also took money from my XXXX XXXX My bank is neglecting me not even giving me my refund
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advantage Credit, Inc. (FL)

In the process of applying to an apartment, the landlord needed a credit report. 

I obtained a credit report ( 1 day old when offered ) and asked the landlord to utilize the report I'd provided to avoid a hard pull. 

The landlord insisted on using their own report, but reassured me that their company would utilize a soft pull only. 

I agreed to them obtaining a credit report on the condition that it'd be a soft pull. 

The landlord/company obtained their credit report, but at the cost of a hard pull. 

My score dropped 13+ points after a hard pull was made on XX/XX/19 without my permission.