davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

I have a Macys American express card setup with electronic statements. 
I have had this card for many years and have never been late or not paid the minimum balance. 
At some point about 3 months ago I no started to no longer receive these statements and did not notice At this point Macys began to call my house multiple times a day however when answering the phone there was nobody on the line and the dialer would hang up on me. 
When I contacted them they stated that my account was past due so I made a payment in XXXX to bring it current and let them know that I was not receiving electronic statements and to enroll me in paper statements. A few weeks after this I decided to payoff the account and made a payment of over XXXX dollars. 
A week later I receive a letter saying that due to being delinquent they were lowering my credit limit due to me not paying Which I know can be negative on my credit report. 
This takes us to XXXX of 2016. I receive a notice in the mail saying that my account has a balance of XXXX and is overdue. 
Once again I did not receive a statement either electronic or paper prior to this late notice. 

After years of being a good customer they are going to potentially cause issues to my credit report and score due to a billing error on their side.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This lending company calls EVERYDAY, approximately every two hours, starting as early as XXXX XXXX XXXX XXXX. They call using various out-of-state unrecognizable cell # s. They leave long messages, always on a teleprompter, stating that my loan has been approved for up to {$80000.00}. 
I have one existing credit card with Capital One, which I became unable to make monthly, timely payments on due to divorce. I contacted Capital One, and got nowhere attempting to work with them. I have never requested a personal loan from XXXX nor from any other lending company that has continued to harass me everyday. I believe that Capital One is behind this. When I have spoken with many of these callers from various agencies, and told them that I have never applied for a loan with them, and that I am registered on a National Do Not Call Registry, ( and asked to have my name/cell XXXX  removed from their contact list ), the calls stop for several days, only to resume again. These are nothing but harassing phone calls.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

My card was stolen & I received a bill from Macy 's for XXXX men 's items from XXXX NJ store- I never chargedI called thief Fraud line and reported the card stolen - I kept receiving bills & kept calling to take charge off and CANCEL the card - I also wrote XXXX lettersToday I got a call from collections!!!!! They never cancelled the card or credited my accountAll Macy service is OFF Shore not in U.S. - they say they will cancel and never do - apparently they ignore letters as wellThis company can not be trusted
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (DC)

Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.
Consumer complaint received 2023-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: OCMBC, Inc (AZ)

On XX/XX/2023 I paid my mortgage payment to OCMBC through my banks online bill payment system. This was for my XX/XX/XXXX payment. On XX/XX/XXXX a new mortgage servicing company took over my loan. On XX/XX/XXXX the check my bank issued to OCMBC was cashed. XXXX XXXX I received a phone call from XXXX, my new mortgage servicing company, informing me I was past due on my mortgage. This was when I found out the loan had been sold as I had not received notification yet. I was not willing to give out personal information to someone over the phone that I knew nothing about. I received notification in the mail my home loan was sold. On XX/XX/XXXX, I called XXXX. They called OCMBC with me on a 3 way call. We spoke with XXXX who confirmed they had in fact received my mortgage payment. She said they would send it over to XXXX and the process could take up to 10 business days. On XX/XX/XXXX, XXXX still had not received my payment. I called OCMBC again and spoke to XXXX who said they are processing that over to XXXX. Due to the excessive time this was taking, I asked for a supervisor. XXXX laughed and disconnected the call. On XX/XX/XXXX I called OCMBC again and left a voicemail for the supervisor. On XX/XX/XXXX, XXXX still has not received my payment. They recommended me filing a complaint with CFPB.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I open a credit card account with American Express by following a link from their website. The link included a promotion for {$250.00} if I spent {$1000.00} in 90 days. I called in the morning XX/XX/2015 right after I applied for the card and spoke with male rep who confirmed the {$250.00} bonus and I applied correctly. He also asked if I was going to use the card right away and sent it expedited two day shipping. I spent the required {$1000.00} within 90 days but I never received the {$250.00} credit. 

I called Amex again on XXXX/XXXX/15 and spoke with representative ID : XXXX and was told once again that all conditions met properly for the {$250.00} bonus. I was told they would look into why my bonus did not post. I called again on XXXX/XXXX/15 and was given a case number XXXX. I followed up once again a few days later and was told I would not get the bonus because I had another AMEX card of the same type. I was told this is in the fine print but admittedly I failed to see it. 

If I was not eligible for the bonus I should have been told this the day I applied for the credit card and contacted AMEX customer service to make sure the account was opened correctly for the bonus. AMEX had two more opportunities to correct this but did not. I would not have applied for this card, which effects my credit score or spend the money on this card if I was told the of the conditions by AMEX customer service. Even if I made the error of applying for the card I would not have rushed to spend the {$1000.00} or if I was told I would not get the bonus and would have cancelled the application on XXXX/XXXX/15.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Synergetic Communication Inc (CA)

I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Services calls me repeatedly. I have asked on several occasions that they only contact me by mail, yet they still keep calling. More than XXXX caller has been aggressive and threatening. Some callers are evasive about telling me what company they are calling from and why. Every time they call I say that I have requested to only be contacted by mail and I have been told " apparently that did n't work '' and " you 're in a lot of trouble '' etc. I do n't recall receiving anything from them in the mail so I do n't know what debt they are calling about and I do n't trust them. After the way that I have been treated by some of their collection agents, I do not feel comfortable sending them any money. They are clearly not a professional outfit and I can not trust anything they say unless I have it in writing beforehand.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

The company contacted me via phone after I had complained about their repeated calls and they had told me they had removed my number from my account and flagged it as no contact. I previously made a complaint about this, and many other things. The company did not even address this in their response.

The company also had several employees lie to me and make bad faith suggestions on the phone and through their chat service. This was also not addressed in their response.
Consumer complaint received 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (GA)

I reviewed my XXXX via XXXX XXXX and noticed my score keeps going lower and found how to review negative remarks. I see Waypoint put XX/XX/XXXXXXXX  as I am late on a collection but I never received any debt notification. I called waypoint and they stated they mailed it to XXXX in XXXX. I stated I have lived in Georgia since XXXX. I disputed the late amount but the representative did not offer to resolve or was unwilling to remove any remarks stating I was late on this debt that I was never mailed about and have not received any information regarding the debt. 

I have audio proof I called XXXX today to get the number of this agency and then audio proof of speaking with the representative stating they mailed to XXXX, MN when I have lived in XXXX, GA at the same address for 4 years. On the entire audio call I stated to the representative I dispute the late mark and she didn't offer any resolution on this mistake. 

I am disputing this remark with all 3 credit unions as it is unfair practice to state this is a year old debt that has not been paid when I have never received an mail on this due to them sending to the wrong address. Therefore this is not late and needs to be removed.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put on my credit report!
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (TX)

To whom it may concern, I have 8 credit inquiries that are on my Equifax credit report. I am not familiar at all with these inquiries and have attempted to have them removed. I know for a fact these are fraud attempts. The companies claimed they do not have my information, therefore they need to be removed from my credit report. The inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be removed from my report ASAP. i understand my rights as a consumer and Im very familiar with the FCRA and my consumer laws. Below I have attached one email from one of the creditors, specifically XXXX. They claim to not have my information. The others have yet to respond and it has been months.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TN)

I received an email XX/XX/19 informing me of a Change in Loan Terms. I have an IDR that I agreed to in XXXX that set the payments at about XXXX a month. It was going to be difficult enough to rearrange my finances to pay that as a XXXX XXXX, but they jumped they payment up to XXXX. Whats the point in providing options for repayment then just taking it away?
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, XXXX and XXXX
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NC)

Conn 's appliance company acct # XXXX. I wrote them several times and the credit bureaus about these two erroneous errors on my consumer report or credit report. I dispute with # of months high credit amount last reporting and the last date of payments. These are reporting 3 different ways on all 3 credit reports. According to the fcra A 100 % reporting inaccuracy on my report. They keep coming back with verified. These are not properly investigated. They are reporting wrong. This is hurting my score and to refinance my home.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX XXXX, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet Experian continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA METRO 2 COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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: SANTANDER HOLDINGS USA, INC. (MI)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from XXXX, XXXX and Transunion in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that XXXX, XXXX and Transunion be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX