davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX of XXXX, I received an email from Paypal saying " We are sending you a card that can earn cash back for your business. '' The email included information about how to opt-out, but I never applied for the card in the first place ( and was on vacation at the time ). Without ever reaching me, and with no application or interest from me, the card was opened and mailed out to an address where I no longer live. My family says that the card arrived recently, but I'm not sure about the date ( probably within a week of today ). 

This isn't just a security concern. I'm concerned about my credit score, and about controlling my personal finances. I contacted PayPal today ( XX/XX/XXXX ) via phone to remedy the situation and close the account. I gave up after speaking with 4 representatives and spending over an hour on the phone. Representatives say anything from that the card doesn't exist ( under any city that I've ever lived in, my email, or my phone number ) to that it was my responsibility to opt-out if I didn't want the card ( a manager ). Each department refers me to another, and in the end, I still have an unwanted account that I can not get them to close. 

When researching this issue, I saw that PayPal was sued for {$25.00} XXXX in XXXX for similar violations, so it is concerning to me that they are still behaving in such a manner.
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Annual re-certification of income for Income-Driven Repayment ( IDR ) plan. This happened in XXXX and is happening again ( XXXX-XX/XX/XXXX ). IDR application submitted, with direct guidance from FedLoan ( we have notes of employees, employee numbers ) as they walked us through how to fill out the application so we did not experience XXXX again - which was they denied IDR, moved our monthly payment to {$1000.00} due to some box being checked " incorrectly '' but as guided by their employee. In XXXX, they also ( after many many calls ) assured us they would expedite the application and not run the {$1000.00} payment. They processed the {$1000.00} payment, and we had to go to our bank to cancel after being assured it would not be processed. 

Back to XXXX, same thing all over again. We deliberately call FedLoan to assure we do application correctly to avoid XXXX situation. Then they deny application, again after following each of their steps they directed, We talk to them and the most recent rep walks us how to fix the wrong application ( again which they directed us to do ). Now after months of sitting there, and they wait until the deadline for annual re-certification and say the {$1000.00} payment is due since the applications were denied. 

Again, it is a long history but the main idea is that we get different answers from different FedLoan reps - each assuring us it will all be fixed, expedited, application is correct, etc, etc but the end result is utter failure to honestly and consistently service my loan and work towards PSLF program. The emotional stress and actual time on phone is so intense and just is not right that a company can do that to people. I can't imagine the people who don't have a partner ( like my wife ) who as a XXXX veteran is home to deal with this company. Please, please help us.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX  account : XXXX
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. 

Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. 

In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. 

Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. 

Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to Bank of America since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX XXXX XXXX : Bank of America Home Loans This complaint is against Bank of America Home Loans a subsidiary of Bank of America Corporation for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against Bank of America. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from Bank of America Homes and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against Bank of America Corporation involving minorities and Latinos. XX/XX/XXXX, Bank of America settled the complaint by the US Department of Justice for {$16.00} billion dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

To start back in XXXX when the housing market crashed I asked for assistance to help keep my home. The company did help by lowering the monthly payment, but what they didnt do is explain to me what they were doing at that time. I tried to pull money out of my home come to find out I have no money because when they adjusted the payment they failed to tell me that they did a forbearance for the remaining part of money owed on home. Ive been paying my mortgage faithfully since then until recently. In reality Ive just been renting in another 10 years I will still owe the majority left on my house which means Im starting all over again 30 yrs. I Currently I fell behind I went on a repayment plan in XX/XX/XXXX thru XX/XX/XXXX XXXX mos paid exactly what they asked to bring account current. I received a letter saying I was in default I still owed for XX/XX/XXXX, we were in XXXX which at that time I thought I was making my XXXX payment since I thought I was caught up. I called the company and all they could do I say theyre sorry I then had to pay half of XXXX and now still behind for XX/XX/XXXX. Im not 30 days late but yet again I received another letter threatening if I dont make a payment they will start foreclosure. I spoke with a agent who then listened to my story reviewed account and said she would forward this to a supervisor and should hear something. I havent heard nothing. They did an injustice, they set me up to be right back in the same position I was in back in XXXX. I was mislead, wasnt informed correctly, and being mistreated as a customer. Ive been in my home since XXXX and cant believe I have to start this process all over again.
Consumer complaint received 2019-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion and told them I was a victim of fraud with their Inquire issue with someone applying for different credit cards and car loans and they refused to help me get those invalid inquires off of my report. Here are the list of items I tried to get help with. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

I had two Comenity Bank store credit cards. One was for use in XXXX stores and one was for use at XXXX XXXX stores. The accounts both had a XXXX balance and had a 100 % on time payment history. I had not charged anything on them for a while due to the fact that I have been sick and in need of a XXXX XXXX and on a fixed XXXX income. 

Both accounts were closed by Comenity around the XXXX of XXXX with no reason or prior to request that I take any action. When I called Comenity, they said they closed the accounts due to inactivity. They told me they could not reinstate the accounts, but that i could reapply. This action negatively impacted both mine and my wifes ( who was an additional card holder ) credit reports and scores. This is not fair to consumers in any way, shape or form.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was a victim of fraud which was quite unfortunate. My information was stolen and I later found out that my card had been used to make purchases. There was a spending spree that tool place and doesn't match any of my spending habits or patterns and wouldn't do. Upon my noticing I immediately contacted Capital One fraud department and they informed me that wouldn't be responsible for any of the charges because of zero liability and I didn't have the card. There were several charges spanning from XXXX. I received a letter recently informing me that investigation was completed and no fraud found. How?!! That isn't possible. I contacted rep on letter and after several attempts finally got to talk to him and he was very rude, harsh and dismissive of me. A terrible experience. I informed that I didn't/do n't have the card so how could I be responsible for charges when I didn't make them and also informed him there is no evidence that would even suggest I did or no proof!! This is not within policy and I am not responsible for the charges. I didn't have the card, didn't authorize any one on my behalf to use and also contacted them as soon as I notice. The total charges amount came up to {$3900.00} and I would never run up that amount or spend that at one time. History shows that and looking at places listed its outrageous. Most of these locations aren't even suited for me. They also have an old address of mine listed where some one could have interjected and taken the mail. I haven't been there so I wouldn't know. I did not make those charges and was informing but they didn't care to listen at all.
Consumer complaint received 2019-05-23
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)

On XX/XX/2019 Capital One deactivated my credit card because of a possible mass compromise. I tried to use my card on XX/XX/2019 at a grocery store and was unable to complete the transaction. However, I did not have time to contact Capital One to find out why. On XX/XX/2019 an attempt to use my card for {$0.00} was declined by Capital One. I was not notified of this attempt, even though I am setup for alerts by Capital One ( text and email ). On XX/XX/2019 I attempted to use my credit card at a gas station. It was declined. I called Capital One and was informed that my card had been deactivated and they would send me a new card. My complaint is that Capital One did not notify me that they had deactivated my account but waited until I contacted them. Also, they are not offering any identity theft protections as a result of their suspected mass compromise. I thought there were rules about notifying consumers when their account has been possibly compromised and providing additional protections.
Consumer complaint received 2019-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Netcredit is a company that not interest in listening to any complaint or trying to work with the me to help because I can't pay the high amount of interest and the very little amount going towards the principle that is unfair and wrong for anybody to have to do. 
I am not trying to not pay them but I have a problem with them trying to lock me in a five year loan which they seek to collect three time the loan amount they gave me. I am a XXXX Veteran that gets a monthly check that all I have to live on for Netcredit to do this is shameful and disgraceful. PLEASE HELP..!!
Consumer complaint received 2019-05-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2019, Equifax signed and received a certified letter from me through us mail, I asked Equifax for a Method of Verification the 15 days allowed has passed. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor. Equifax is in violation with the FCRA I am requesting the items be deleted based on the credit bureaus lack of compliance with the method of verification. Equifax confirmation dated XX/XX/2019,
Consumer complaint received 2019-05-23
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 (CA)

On or about XX/XX/XXXX and XX/XX/XXXX and on or about XX/XX/XXXX, I called Capital One to explain my financial situation and having recently been on XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXXXXXX I called to request account to be closed without incurring additional interest due to my unpaid leave and lack of finances while in family medical leave. Capital One said my account had already been closed but continued charging me high interests. Additionally, even once I borrowed money, on or about XX/XX/XXXX, to pay minimum due for account not to be charged off, Capital One continued to report late payment even while I made minimum payments through XX/XX/XXXX. Furthermore, at several times Capital One blocked my access to view account/bill/summary/statements not allowing me access to make payments. On XX/XX/XXXX, Capital One sent me an email stating my account would be charged off in less than 30 days, without ever specifying the date. 9 days later which is less than 2 weeks when I attempted to view my account, my account had already been charged off. Capital one harassed me on a monthly basis, they discriminated against me for being XXXX and being on XXXX and XXXX XXXX XXXX XXXX. Capital One offered solutions without results after they said they would stop reporting late payments to all 3 credit bureaus, stop interest fees and closed my account without allowing me access my account multiple times.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America sent us proof that on XX/XX/2012, they did a Principal Adjustment of {$65000.00}. This adjustment is not being reflected in our statements or in what is being reported to Credit Bureaus.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

While searching for my credit scores, I discovered that Designed Receivable Solutions submitted a collection for a ( closed ) XXXX XXXX XXXX XXXX Hospital bill in XX/XX/XXXX. According to three different Medicare representatives, Medicare paid the account, and that I DO NOT owe the original charge of {$3200.00}. The Medicare Summary Notice states that the total that I may be billed is {$190.00}. As always, that amount was to be submitted to my secondary insurance for payment. As of this date, Designed Receivable Solutions has not sent proof of original billing as requested! 

XXXX XXXX, the collection manager, literally laughed in my face when I stated that I was going to report this problem to the Attorney General Office, the CFPB, and The XXXX XXXX XXXX. His exact words were, " Good luck with that! '' It seems that he has done this before and that no consequences for his bold actions! 

Please note that I received from a person who worked for XXXX XXXX XXXX Hospital, who stated emphatically that a female co-worker had intentionally submitted many collection notices to XXXX XXXX XXXX Hospital patients upon its closing in XXXX, but he was intervening to stop this wrong. He promised that I had nothing to worry about, that he would send the {$190.00} to my secondary insurance for payment. 

Please note that I NEVER HEARD back from XXXX XXXX XXXX for any billing at all. In fact, Designed Receivable Solutions had my old address on file as of XX/XX/XXXX ; therefore, I never received any correspondence from them as well. I was never contacted by Designed Receivable Solutions until I called them after discovering on my own that my credit report contained a collection! I gave my new address and phone number to XXXX XXXX. 

Please HELP!!! I have endured so much sickness due to an already chronic medical condition ; since XXXX I have had to go to the ER twice and to several doctors for chronic stress and XXXX XXXX XXXX! 

Thanks for clearing up this matter. Enclosed, please find supporting documents!
Consumer complaint received 2019-10-01
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. (CA)

XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a XXXX   XXXX case and was able to break the lease without having to pay anything. I had a XXXX XXXX filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (TX)

PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND EXPERIAN DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.