davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp. (FL)

Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
Consumer complaint received 2018-07-12
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. (NC)

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXX XXXX  on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Consumer complaint received 2018-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX  in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. 
I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. 
Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. 
I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. 
I don't need to make any stories I am an honest individual which is why I am attaching all the documents.
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (NJ)

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
Equifax is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX/XXXX  XX/XX/2018 I have contacted Equifax to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX is XXXX XXXX XX/XX/2018.
Consumer complaint received 2018-08-08
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: Bread Financial Holdings, Inc. (MN)

To Whom it may concern, I have reported to the credit union about having XXXX XXXX XXXX on my credit report I have know Idea who this person is my ID check was stolen by this person was reported in XXXX MN in maybe XXXX some where are that year it has been a long time. Please remove. I also notice under Soft Inquiries there are a list of XXXX XXXX  on my credit report I have not request for any credit from any one these company I never called them or filled out any paper work not sure how they got my name I really appreciate if all of wrong information be removed ASAP. Only thing since my Bankruptcy should be on my credit report is XXXX which is the only credit card I have which I just required in XX/XX/XXXX. I have not request any other credit card you have XXXXXXXX XXXX as and error please remove. I am trying to keep my credit on the right track. Thanks
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca. 
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me. 
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network. 
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where. 

This is a blatant and absolutely unfair, and bad business to do things in this manner. 

Thank you in advance for your consideration. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I read in the XXXX XXXX XXXX " XXXX Will Share Your Pants Sizeand Banks Are Cashing In on Your Private Data, Too '', XXXX XXXX, dated XX/XX/year> ) that Capital One sells personal information including balances and transactions, and forces customers to opt out by phone instead of website. 

I called. The agent " XXXX '' could not locate my account by card number but did by XXXX. He then said my birth date didn't match their records, indicate a very basic failure in record-keeping on their part. 

The agent asked for my permission to send a text message to authenticate me, but this ALSO required that I accept that they would take and sell ongoing data from my cell carrier. This an unacceptable demand, especially coupled to their failure to maintain business records. 

I refused permission to increased data sharing. The agent proceeded without it, telling me my phone number is " invalid '' and attempting to troubleshoot his ongoing failures by asking how long I have used this phone number. It is the phone number I was calling him from and I have received other texts this morning. My phone number is in no way invalid. 

Capital One 's agent then said the only way to access my account to request that they stop selling my transaction data was that he would send me a text with a link where I would be forced to send them photos of the front and back of my driver 's license. Their failure to send a text message is apparently fixed by sending a text message. After all of this I did not have any reason to trust Capital One with more even-more-sensitive personal information. 

I asked if closing my account would allow me to prevent them from selling my personal information and the agent confirmed it would, but refused to do so because of his inability to " authenticate '' me. 

Also : Capital One and other institutions keep calling this " information sharing '', like they are innocent children sharing toys in a playlot instead of giant companies selling incredibly sensitive personal info. Please at least prohibit this transparent lie.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CO)

I was trying to make a loan at this other bank on XX/XX/XXXX and later they call me an say we cant approve your loan because it show on your credit history that I owe XXXX XXXX so I ask them when an they said on XXXX and they told me that collection agency is after me which is I honestly never ever step on XXXXXXXX XXXX property in my whole life.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

On XX/XX/2018 I sent out a debt validation letter not a verification letter to XXXX XXXX XXXX asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.
Consumer complaint received 2018-07-04
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. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear TransUnion, XXXX, XXXX  RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2018-08-08
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: SYNCHRONY FINANCIAL (MO)

i have a complaint about syncb, they put 2 hard inquires on my XXXX  report that i did not authorize, they are exactly 1 year apart within a week, i called them 1 month ago and told them to remove and they said they couldnt and told me to call XXXX  to fix it and it happens all the time, so i called back 3 weeks ago and talk to a superviser, mind you on my credit report it says, syncb / national credit card / airlines. the supervisor said he couldnt d9 anything to remove it because they are not affiliated with a credit card ( airlines ) mind you they are the ones that furnished this info to tranunion so if they are not affiliated with an airline or whatever then they should send info to all credit reporting agencies and have it removed
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is  extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Signed up for a business credit card. Nonetheless, the personal banker made someone who i wanted to hire as a manager as the primary in the account. I was never advised about how the credit card was set up. The primary is no longer associated to the business. I can't close the account, which is under my business, and the primary party keeps using the card. My company is liable for any purchases and I can't close the account or do anything. The bank refuses to answer questions about the CC.I have attached the article of incorporation showing that I'm the only person who own the company. 

I really believe that the personal banker was driven by his own greed to reach sales goals when he opened this CC. The personal banker didn't take the time to explain how he was setting up the account or anything else. 

I have been mistreated by Bank of America and no body can help me resolve this issue.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This complaint is regarding my online baking with Citizens Bank ( Citizens Financial Group , Inc. ). I am using my online baking bill pay feature to pay a credit card bill at XXXX XXXX. The Citizens Bank bill pay feature allows you to enter an " Amount '' to pay  and a " Deliver By '' date. On Monday morning XX/XX/XXXX, I entered the " Amount '' of  {$3200.00} and the " Deliver By '' date of XX/XX/2018 and submitted the payment. After the payment is submitted I received a confirmation page indicating that the payment was scheduled for a '' Deliver By '' date of XX/XX/2018. 

The due date on the XXXX XXXX CC was XX/XX/2018. On XX/XX/2018 I noticed a late fee from XXXX XXXX in the amount of {$32.00} as well as {$51.00} in interest ( I pay the full amount every month to avoid interest ) and called XXXX XXXX. They stated that they did not receive the check from my bank as of yet. The waived the late fee and asked that I check back in a day or two as maybe it was in transition. 

On XX/XX/2018 I checked my online baking and it stated " Check # XXXX was mailed to XXXX  XXXX Credit Cards for receipt byXX/XX/2018 '' however XXXX  XXXX still did not receive the payment. I then called Citizens back and they stated that the check was sent out, possibly on the XX/XX/XXXX and that it was the US Mail who did not deliver it yet. 

My complaint is directed at Citizens deceptive wording on when the check is delivered. Using the words " Delivered, '' " Delivered By '' and stating " Check # XXXX was mailed to XXXX XXXXXXXX Credit Cards for receipt by XX/XX/2018. '' are inaccurate. Because of this I incurred interest and a possible late fee not to mention a hit to my credit history. 

Additionally when I called Citizens Bank and had to wait 26 minutes on hold for someone to speak with, they started to tell me that the word " Delivered '' and " For Receipt '' means it could have been mailed or sent electronically from the bank on that date and that XXXX XXXX would not receive it for 3-5 days however they didn't seem sure themselves.
Consumer complaint received 2018-04-13
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: AMERICAN EXPRESS COMPANY (MD)

On numerous occasions I have submitted billing disputes regarding a {$250.00} hotel charge in XXXX. The hotel was moldy and unclean. The pool was dangerous and unsupervised - a girl nearly drowned resulting in pool closure during most of our stay - and the staff incompetent. We complained fastidiously and were assured by the XXXX that the room would be refunded. Nevertheless, no refund took place. I raised numerous disputes with Amex to no avail. They refuse to issue a refund without explanation.