davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I had a XXXX credit card for two years with a platinum status, and I enrolled for XXXX  Thanks for sharing rewards program for {$25.00} last year, which is a 10 % in rewards program for XXXX  Card holder once a year. I have earned around {$2900.00} rewards by shopping at XXXX with my XXXX  card in XXXX. However, XXXX closed my account on XX/XX/XXXX without telling me reason why its closed over the phone. At that time I dont mind not continue use XXXX  card but I worried about my rewards that I had earned, so I called XXXX   customer service asking if I still would receive my thanks for sharing rewards even my account is closed, the answer I got was a Yes, the rewards card would be sent out XXXX-XX/XX/XXXX. And I have been waiting and waiting. During the beginning of XXXX I tried to call XXXX   customer service to ask when I can receive my rewards card, mostly I have to wait for 30 mins each call without any certain answer, however, on XX/XX/XXXX a representative told me he had reissue my rewards card and I would receive it in 5-10 business day, so I had waited till XX/XX/XXXX I made another call, this time I was told I wont be able to get my rewards card due to account closed. I was shocked and I Said that I paid for the program and I earned my rewards, if I didnt shop at XXXX  I wouldnt get a penny from it. However, I was just told we cant issue you the thanks for sharing rewards card due to your account closed, its not me who closed account!!
Consumer complaint received 2019-04-30
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. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

Today XX/XX/2019 First time I tried to call this company that has negatively impacted my credit it appears since XX/XX/2019. 

I contacted this company via telephone to get some understanding or dispute it if possible and I was connected eventually to a person named XXXX I was told. Her real name despite asking and even speaking to someone under her named XXXX lied and told me it was XXXX not XXXX or even XXXX - unsure of who is in charge at the place affecting my credit negatively upon first call ever. You can probably see based on what I have just said how this doesn't sound good. Never the less I was told she doesn't have a supervisor and later that the supervisor she doesn't have doesn't take calls from the floor. I asked for that persons name over and over and was refused to be given an answer - the person that lied about how her named was spelled numerous times and clarified if this was the full spelling and accurate spelling and lied over and over is named XXXX - some guy apparently after trying to get the owners name of the company since the person in charge is just hanging up on me and her employees under her just lie about who you are speaking to this has gone absolutely no where. I can not believe people could act so immaturely after calling about something this serious. I have since filed complaints everywhere possible except the County today and I will be mailing off my complaint to them tomorrow. There is no excuse for people acting this way and not being able to get information when calling about something that has this much of an impact on someones life. They clearly feel they can say or do whatever they want with no reprocussion. I feel bad for anyone that has a substantial amount owed from these people. I have since reached back to the DR office that initially reported this and explained what happened when calling them for the first time and am supposed to get a call back by end of business today about what they can possible due regarding the account at hand and the non sense mentioned taking place by these less than responsible people at PLUSFOUR inc in XXXX XXXX nv. Thank you
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OR)

We obtained several federal parent plus loans for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX thru XX/XX/XXXX. The institute made a lot of promises and misled us. In summary : Lied about graduation rates, job placement rates, and potential salaries on graduation ; Lied about available grants, scholarships, and financial aid ; Enrolling students regardless of their qualifications and ability ; Failing to properly inform students about loan options available and the differences between federal and private student loans ; Misleading students about the actual costs of education at XXXX ; Misleading students about accreditation and the transfer-ability of credits. 
In XX/XX/XXXX we submitted a Borrowers Defense to Repayment Application several times as each time we checked on it they could not find it. Finally, with the help of some diligent students and law students a lawsuit was brought to the DOE and in XXXX there was a settlement to have all the loans forgiven. This was supposed to be done at the end of and as of yet we have not seen any official forgiveness from our lender. It was originally with XXXX XXXX, transferred to Nelnet and currently with XXXX. 
On XX/XX/XXXX the XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by XXXX organizations including, XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Consumer complaint received 2019-04-29
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 (CA)

Dispute charges for span of couple week resulted more than {$4000.00} was put back to account, stated that only original chip card was used while I and my wife still have possession of those cards and we did not make purchases. 
The company fraud department refused to help saying there is impossible to have counterfeit chip cards meaning we are the one doing purchases.
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has been calling my phone number since I got the phone number, before I actually plugged a phone in. They call at all hours of the day numerous times. I have repeatedly informed them that they have a wrong number and they refuse to stop calling me.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

I am inquiring about the Validy of my XXXX entry on my XXXX Report and have requested information on how my information was reported to XXXX credit bureau when XXXXXXXX XXXX XXXXXXXX state they are not in Compliance with the credit Bureau which is in violation of my consumer rights 15 U.S.C1692C I ask of a Removal of XXXX  off My XXXX credit reporting agency
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

I recently opened a credit card with US Bank. Promotion was twenty months interest free. Problem arose when I attempted to use my card for a {$24.00} purchase and it was declined. Now I am standing in line with four other people behind me. This was humiliating, in as much as I had NO idea why this happened. Just to clarify, I had a credit limit of around XXXX my balance was XXXX. I had made three payments between XXXX and XXXX.. One on the XXXX of XXXX. for {$200.00} then again on the XXXX. for another {$200.00}, finally on the XXXX. of XXXX another {$250.00}. That was {$650.00} in a month in a half. When I contacted member services I was told that I made my payments too early ... ..Unbelievable. I'm embarassed because I pay my bills ahead of time. Subsequently I cancelled this card, after talking to a supervisor who abruptly and rather rudely told me, I didn't understand, it didn't matter the payments are electronically assigned to pay periods no matter what..
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have found a number of inaccuracies on my report. This company is still posting information that is almost 8 years old. XXXX XXXX is a charge off which is considered income and is well over 7 years and should be removed from my account immediately.
Consumer complaint received 2019-04-30
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. (ID)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Performant Financial Corporation (FL)

I keep getting calls at work from a third party collection company called performance collection. They have called my bosses family and friends asking if they know me, calling my job after they were ask by my boss not to disrupt me at work. My friends and family. It needs to stop. I cant function at work and my HR is getting irate. But to call my bosses mother in law thats too much. Please help!!!!
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RR Resource-Recovery (NY)

The first time that I tried to make a payment plan to address my medical debt I was told that I could only pay an agreed upon amount that was more than I could afford to pay and that legal action could still be taken against me even if I was making consistent payments if they were under the amount they wanted me to make. I called the legal department and they stated that this was not true and that I could make an affordable payment. I then made a payment plan with R and R Resource Recovery in which they were supposed to apply a specified amount to a judgement I had with them and then a specified amount to a " non-legal '' account. They were to deduct the payment automatically and apply it accordingly and mailed a written payment agreement. Despite this and making payment, I received correspondence from them stating that I was not paying the " nonlegal '' account and that further action could be taken against me. I contacted them and they stated that they had made an error and were applying the full amount of my payment to the judgement and failed to apply the rest to the " nonlegal '' account causing this. I was assured that this would be fixed. I then received a summons both in the mail and at my home ( which I'm sure I paid extra fees for ). I called R and R Resource Recovery who stated that they must have started this process before I initiated the payment agreement with them and that I didn't need to worry about attending court etc. that it would be taken care of. They then moved forward with getting a judgement for this nonlegal account despite telling me that I did not need to attend court or worry about this letter because of the agreed upon payment plan. I believe that they proceeded with this because the debt was about to be 7 years old and they wanted to be sure to secure the judgement regardless of the written payment agreement. I believe that they abuse their power and they want me to commit to an agreement although they do not and then continue to bully me. I also attempted to settle on this debt and they stated that I would have to settle on every debt I had in their office in order to do that even though they were all with separate entities, which I believe to be untrue since they have filed separate judgments against me. They also contacted my employer prior to even having a judgement in hand giving them the authority to do so. There is a apparent lack of communication within their office and with the attorneys they contract with. When I did try to communicate on these issues and advocate for myself I was told I was " volatile ''. They are also still reporting items on my credit report as an agency that they used to operate under that they state does not exist anymore " The XXXX XXXX XXXX   XXXX XXXX ''.
Consumer complaint received 2019-04-30
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Please reference the letter that I am attaching, that was sent to Equifax on XX/XX/XXXX. I asked them to investigate errors on my report and respond. They were supposed to do that within 30 days, but I have not received anything yet.
Consumer complaint received 2019-04-07
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. (CA)

On XX/XX/XXXX, I applied for a Pay As You Earn Loan/XXXX Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX XXXX. XXXX XXXX reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Consumer complaint received 2019-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA has locked me out of my account. I called for them to unlock my account I gave them my e-mail address which I use to send me a security code for me to log into my account and USAA told me they couldn't send me one. XXXX check company even though I had money caused me {$170.00} in overdraft fees, USAA refunded one set but has refunded the other 6 overdraft charges which totals {$170.00}
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc they have been contacting me at my office I told them to stop contacting me at work and they keep calling.
Consumer complaint received 2019-04-07
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. (WA)

On XX/XX/2019 I observed a new account on my Experian credit file under the category of collections, XXXX XXXX collecting on a {$370.00} from XXXX XXXX in relation to an auto accident I was in. This was news to me, as the last time I had seen that bill 's balance it was submitted to XXXX for payment under their auto policy claims department, and they hadn't informed me it was paid or not. I contacted XXXX XXXX. It turned out they had not engaged in improper billing procedures and billed me at an address which I did not live at. Regardless I paid the bill with XXXX in full, contingent that the report entry be removed from my credit report. The XXXX XXXX representative said she would quote " do everything she could to have it removed. '' Well, it has not been removed per our discussion, and my disputes about the improper billing procedure have been initiated with Experian. This is why I am writing to complain, because Experian has all the information they need to remove this account. They know that I did not know of its existence until it was observed on my Experian. They know that XXXX XXXX improperly submitted bills to an address that I did not live at. They know that I had an agreement for this account to be removed. They know I have not been late on any payments, EVER, and yet this account remains. I have disputed it multiple times. Each time Experian waits a day and then takes no action, and just marking the dispute as completed without removing the account. It hasn't been properly handled. It should be removed. My theory is that no one at Experian has read or understood the content of my communications, and that no one at XXXX XXXX has bothered to keep our agreement to remove after I held up my end of the bargain and paid in full. In conclusion this account should never have been in collections. If I had been billed properly at my actual address I would have known it existed, and paid it.
Consumer complaint received 2019-04-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2017, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. 
OnXX/XX/2017, Chase Bank in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why Chase Bank let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
Chase Bank hurt me gravely. 
1.Treasury Dept asked me to pay back the {$94000.00} plus interest and penalty charges and sent it for collection.

2.Treasury Dept reported to credit agencies for a delinquent account of over {$130000.00} and interests were accrued daily.

3. IRS asked me pay tax on the earned interest as if I had cashed the bonds
Consumer complaint received 2019-04-29
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)

Hello, my name is XXXX XXXX. My date of birth is XX/XX/XXXXand I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX - Closed XXXX/XX/XX/XXXX-Retail XXXX XXXX - Closed With Equifax XXXX/XXXX XXXX - XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-RETAIL XXXX XXXX  With XXXX XXXX/XXXX XXXX - XXXX   XXXX/VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.