davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very issue.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I got a lease through XXXX XXXX ( an XXXX subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX XXXX manager was of course YES! So I started driving on this leasing vehicle on XXXX platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through Trans Union to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the Trans Union or other credit bureaus about this lease as their manager promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX manager that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( Trans Union ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But XXXX company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XXXXXX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (VA)

got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. ()

In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.
Consumer complaint received 2017-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.  XXXX   XXXX   .Dated J XX/XX/XXXX  2. XXXX  .Dated XX/XX/XXXX .3.  XXXX   XXXX  . XX/XX/XXXX  4. XXXX  . XX/XX/XXXX  ... 5.  XXXX   XXXX   .Dated  XX/XX/XXXX .
1.  XXXX   XXXX   XXXX  , Michigan  XXXX  2. XXXX .  XXXX   XXXX  , Texas. XXXX ..3.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas. XXXX  ... 4  XXXX   XXXX     XXXX   XXXX  , Texas. XXXX .
I have a   XXXX   XXXX   XXXX   vehicle I do n't need another car. I have   XXXX   kids and I am single Mom.
All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my  XXXX  child and my daughters that are under the age of   XXXX   years old..
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC ()

I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since XX/XX/XXXX.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My name is XXXX XXXX. I opened a checking account with your bank at the beginning of XX/XX/XXXX of this year. I opened the account using the promo code XXXX XXXX, which advises that I would receive a {$400.00} dollar bonus once I have received two direct deposits of {$250.00} or more within 60 days of opening my account. After setting up the account, I called to confirm my account status and spoke with a representative who verified my information and assured me that my debit card will arrive via mail. I received my debit card and I received two deposits within the 60 day time frame. On XXXX XXXX, 2017, after my second deposit posted I called once again to confirm the status of my account and spoke with a representative named XXXX. Im employed in the legal field so I was sure to notate who I was corresponding with in regards to the matter. XXXX stated verbatim that he saw where my promo code was entered in the system and assured me that my bonus would post within the upcoming week and if I didnt see any activity to call back for assistance. After being informed by two of my colleagues that their bonuses had posted to their account, I called back on XXXX XXXX, 2017 and spoke with another representative named XXXX. XXXX stated that the promo had expired and he could not be of assistance to me. I then asked to speak with a supervisor regarding the matter. For security purposes, my information was verified and I was connected with a supervisor named XXXX. I explained the matter to XXXX who informed me that the offer had expired and was not valid in my area. I explained to XXXX that two of my colleagues had received their bonuses along with thousands of other residents who were not in the targeted area. He had no rebuttal for that information and stated he couldnt explain the reasoning behind them receiving their bonuses. XXXX then asked me to confirm the eligibility requirements that I received by email prior to opening up the account and confirmed my information to be truthful. He then asked if I could be placed on hold to look further into the account to see what could be done to assist me. After reconnecting with me on the call he stated he could offer me a {$100.00} credit for the inconvenience. I explained to him that I appreciated his customer service, but I was not satisfied with the outcome. I also stated that I took the correct steps to open the account in a legit manner and should have receive the bonus as well. He agreed. I explained to him coming from a legal background that it is not good business to mislead consumers and I was very unsatisfied as a new account holder. I took all the proper steps and should be compensated correctly for signing on with this bank. I also referred a family member. I believe this matter is highly unfair as a business and Im requesting to be compensated for the {$300.00} remainder of the promotional bonus.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (FL)

I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (VA)

I recently applied to Discover for a credit card. It has into APR of 0 % and after that the APR can vary from 11.99 to 23.99 As advertised, it reads : * Intro purchase APR is 0 % for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0 % for 14 months from date of first transfer, for transfers under this offer that post to your account by   XXXX   XXXX  , 2017 ; then the standard purchase APR applies. Standard purchase APR : 11.99 % variable to 23.99 % variable, based on your creditworthiness.
I have FICO score of  XXXX . I received a 23.99 APR! This is VERY misleading when it specifically says " based on your creditworthiness ''. How is it I received the HIGHEST APR with an excellent FICO score. I called the company and they said after a year they could look at possibly lowering it. I talked to the Manager and he said he could close the account. I told him if I close it, it affects my credit score and he said " I do n't know anything about that '' ... and he is a manager?!?!?! I feel this company is very misleading! It is a way of tricking you into thinking you will get a good APR, and when you get it, you do n't ... in hopes that you are not able to pay off your balance and the APR will skyrocket to 23.99!
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (SC)

I went onto   XXXX   XXXX   on  XXXX / XXXX /2017 and saw a debt for Medical Revenue Services. I got the phone number and called to figure out what the bills were. I wanted an itemized bill. I spoke with   XXXX    who is a representative of Medical Revenue Service. She was very rude. When I asked for an itemized bill she said that they had sent the itemized bill on 3 separate occasions and that she would not send anymore bills with out a payment arrangement. She also proceeded to tell me that I owed them more money than what they were reporting to the credit bureaus. I owed them a total of {$4800.00} she said the amount included the {$1400.00} and the {$2200.00} that are already on my credit report and the amounts of {$650.00} and {$520.00} that they are not report at the moment and I had no knowledge of nor will they give me proof of the debt. If I setup a payment arrangement today they wont report the other amounts. After some thinking and the fear of new stuff popping up on my credit report I setup a one time settlement. I still wanted a copy of my bills to prove that I owed the debt. She also told me that we would have to wait to get approval from the hospital for the settlement and that would give me a 25 % savings and the lady representing the hospital had gone on vacation and would be later that day or the next day.
After speaking to a friend and doing research the next day I called to speak with   XXXX   's supervisor. I was transferred to  XXXX  the supervisor. I told   XXXX   about my conversation with  XXXX  and how I was requesting an itemized copy of the bills and how she setup the payment arrangement with threats of placing the other items on my credit report. He got mad and told me he would terminate the payment arrangement. I told him I wanted to know what I was being charged for. I said I will pay my debt but I do n't even know what its for. He told me on 3 separate occasions they mailed out the bills I explained that I never received them.
Later that day I called to confirm the arrangement amount. I then called   XXXX    back and told him I am canceling the arrangement and would like the itemized bills sent to me. He got verbally abusive and told me I did n't want to pay my debt and that he will not send me any bills and be would send my debt to the State of South Carolina and they can send me the itemized bill and that he would start to report the other debts. Also he did want me to call back.
I just want a copy of the itemized bills to know what i am paying for. My request for it to be sent certified so we can both make sure I get it was denied because he said under the law they do not have to.
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (IL)

I disputed through   XXXX   and now there are an additional  XXXX + inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revenue Assurance Professionals LLC (TN)

CONSOLIDATED RECOVERY SYSTEMS Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CONSOLIDATED RECOVERY SYSTEMS is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (LA)

Arc management is reporting  XXXX  owed from   XXXX   XXXX   on   XXXX    2016. I have no knowledge of this debt nor did I receive any services from   XXXX   XXXX   or arc management. I have asked them to validate this debt to no avail
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

On my credit report for my payments made for my Discover credit card in ( XXXX 2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in XXXX 2017 with payments made on time from XXXX, XXXX, XXXX 2017.
They are reporting ND- No data for the month of XXXX 2017 for my discover credit card.