davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My son has had a savings account with the XXXX XXXX ( XXXX ) for over 15 years. He recently applied for an access device ( as defined by Reg E ) for access to the savings account. I am a custodial parent on the account since its inception and I signed the form for him to receive the debit card. The XXXX  pulled a HARD CREDIT REPORT on me on XX/XX/XXXX for his access device ( debit card ) on his existing savings account. I did not authorize this credit pull, and it has negatively impacted my credit score due to the HARD pull. I would not have permitted the debit card application had I known the XXXX would pull my credit report for such a request. I contacted the XXXX on XX/XX/XXXX to ask to have the hard pull removed, and they informed me on XX/XX/XXXX that they would not remove the inquiry, since this is per their " policy. '' I find at a minimum that the HARD credit pull is UNFAIR and DECEPTIVE by not disclosing this credit pull from me prior to the access device application. Please keep in mind that this is for a debit card on an existing savings account, not a new account, and there is no overdraft protection or any other credit element. At most, I do not believe the XXXX had a permissible purpose under FCRA Section 604/606 to pull my hard credit report for this activity.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I 've submitted letters and spoken to representative on the phone for Equifax to remove an incorrect name, several inquiries that I did not authorize and incorrect address, but to no avail. They have not responded to my numerous disputes instead they send a letter of the exact information that I am requesting removal of. One representative told me to contact the company to remove the inquiries and I contacted each and every company and the companies referred me back to Equifax. The information being reported with the inquiries, address and wrong name is incorrect and they refuse to respond and remove the incorrect information. I 've submitted my driver 's license, my XXXX and a utility bill several times to remove the info.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have made many attempts to work out arrangements with Navient over an extended period of time. There is always an excuse. I have seen several consolidations that they did within Navient that I did not request? I have a Defense to repayment request in because I am an ex-XXXX student. My other loan servicer has put my loans in forbearance pending the outcome of my request, but Navient has not. Those loans have just been sent to collections. I have no idea what the current situation is with Navient is either. I cant find most of loans and balances are way off so I do not know if they have been sold to collections or what has happened. I have called many times to ask why and I get a different story from every representative that I speak with. I know my defense to repayment request is being processed because I have gotten several Emails stating this. I have spoken to representatives at the Department of Education and was even walked through a consolidation request over the phone to try to consolidate out of Navient, but Navient loans always excluded. Something is extremely wrong if there is no recourse. Nothing happens to them for their deception and treatment, but there are severe consequences for me if I do not abide by what they say.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

I attempted to pay-off mortgage after being a few months behind to close loan. On XX/XX/XXXX, I contacted PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX to inform them I was going to pay-off loan and requested a pay-off amount. At this time, PHH did not establish the fact that my home was in foreclosure. I was told that a loan pay-off request was made an that it would be emailed to me. I waited until XX/XX/XXXX to see if the pay-off statement would be received in my email and it had not. I contacted PHH again on XX/XX/XXXX and inquired as to where my pay-off statement was as I had not received it. The individual stated that it was in the system and entered another request for a pay-off statement. I had not received and contacted PHH again on XX/XX/XXXX and they said to wait 5 days. I contacted PHH again on XX/XX/XXXX after not receiving the pay-off statement and they stated it was in the system. Loan Number XXXX On XX/XX/XXXX, I received a letter from PHH dated XX/XX/XXXX stating my property was in foreclosure despite my attempts to completely pay-off mortgage loan on XX/XX/XXXX. I contacted PHH, XXXX XXXX - Tel. No. XXXX, XXXX, who is identified in the letter dated XX/XX/XXXX with the statement about being committed to working with me. She said that I would have to contact the PHH Collection firm who was assigned the case - XXXX, XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX, Tel ( XXXX ) XXXX. 

Not much help from XXXX XXXX despite my attempts to pay off mortgage completely. 

I have the impression that the passing of the loan to a collector is only to enrich the Collector and others and take advantage of a XXXX XXXX XXXX XXXX XXXX. 

Please look into this provide some help as this is really uncalled for and disrespectful to a XXXX. 

Thank You,
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We are a small woman owned business who applied for and received a Spark Business Credit Card from Capital One. We began using the card it in XX/XX/2016. At that time the interest rate on purchases was 17.24 % with a credit limit of {$30000.00}. 

We continued to make payments on a regular basis. Unfortunately, we had company checks stolen from our local mailbox. For many reasons, it would have been too complicated to completely close our account so our bank ( XXXX ) worked with us to rectify the situation. We have a multi-step authorization processes in place before money is released. 

After the theft, although we made timely payments for two consecutive months, they were electronically rejected by Capital One. We were unable to resolve the issue through customer service and eventually had to find a branch and physically go over to bring them a check. We were charged late fees on both occasions. Suddenly our interested rate was raised to a predatory 30.650 %!!!!!! 

We have spent hours on the phone, gone to the branch, and written letters. No one seems to have any authority to do anything or will provide the name of a person who can do something to resolve this. We are desperate. First we were victims of thieves, now we are victims of Capital One. Please try to help us! 

.
Consumer complaint received 2018-04-26
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. (MN)

On XX/XX/XXXX, I submitted disputes to XXXX, XXXX and Transunion regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NY)

I had a credit card back in  XXXX  I did not pay it, I believe it was   XXXX   XXXX  , the balance was approx.  XXXX . A judgement was filed against me in NJ court by the original creditor. The debt was then purchased by  XXXX   XXXX  and they filed an additional judgement for approx {$2800.00}. On  XXXX   XXXX ,  XXXX  my checking account was levied by  Pressler & Pressler  of {$2400.00} plus {$120.00} service fee to my bank. I was left with {$0.00}, I am a single parent raising an adult with  XXXX . I was FURIOUS. I calle d Pressler & Pressler I w as hysterical crying, the attorney I spoke to,  XXXX   XXXX , was laughing at me. She is a disgrace to that profession. I was left with no money and a hold on my bank account which I still have on it to this day. I contacted the court in  XXXX  NJ where this was filed and was informed the amount is a few dollars short of {$3900.00}. Having recently gotten a job I did not want any type of garnishment filed ( which they were going to do ) I am in a payment arrangement with the NJ court now, I have paid them {$400.00} in addition to the {$2400.00} they swiped from my bank account. I have to pay the entire amount of {$3800.00}. and then go to NJ and get the release of the judgement and hope that is the end of it. I recently had my credit run and  TWO  judgements came up, the one I am paying off, which on my credit report it is for less than the court is claiming I owe. And the  Original one  that the second  one  is based off of. Needless to say that did n't look good. So, how do I get the original purchased judgement removed? And how is it possible that a judgement of {$1900.00} has ballooned to {$3900.00} and they were able to wipe my bank account clean? I have no rights? I was told I could come down to the court with  three  months bank statements and maybe get {$1000.00} of my money back. I have a job, a   XXXX   with  XXXX  and I do n't live in NJ anymore, how would that be a feasible option? I feel like the court is in bed with this  Pressler and Pressler , and HOW does a judgment filed by  XXXX   XXXX  get collected on by  Pressler and Pressler ? And that attorney,  XXXX   XXXX  should be disbarred ; she is a disgrace. I have to believe I am not the first nor the last to complain about  Pressler and Pressler , they seem to have quite a track record of preying on consumers. And  one  other thing, the address that  XXXX   XXXX  told me the notices were going to, I have not lived at since  XXXX . Which means they were getting the items returned. I had not received ( until recently ) a single piece of mail stating this debt existed.
Consumer complaint received 2016-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (CA)

My chase ink credit card was set up for automatic payment. I had not used the card in a while and forgot it was on an account of mine. A charge went through. Six months pass on the charge that I had no idea had taken place and I get a written communication that my account is delinquent. This was news to me, since I had other accounts with chase that were all in great standing and this was the first I was hearing about my missed payment. I called as soon as I learned there was a problem and made two payments in the next few days to square my account. I spoke with a number of representatives some very nice and others not very helpful or understanding. When I asked why they waited over six months to contact me they said they had sent multiple emails and made numerous calls about the issue. I explained I had not received the emails and they insisted I did. I also asked when trying to contact me by phone why there was never a message left? They told me they were not required to leave a message, which makes no sense at all if one is truly trying to resolve a delinquency issue. I finally said, if the other methods all failed, why wait half a year to send me notice by mail. They responded they had sent numerous letters. I never received any emails and I do n't answer numbers I do n't recognize due to the potential of scams. I asked for dates the other letters had been sent to me and they would not provide me with any information. The truth is, I only ever received one written notice and as soon as I did I settled my account. I am not an irresponsible person! I have a few other credit cards with chase one of which I pay for most of my expenses with, and then pay on time every month. I also have a saving and checking as well with Chase and at no time was any serious attempt to contact me sooner through those avenues ever made either. Now, due to poor customer service and a substandard method and or system of contacting a customer, I unfairly have a pretty ugly ding in my credit.
Consumer complaint received 2017-06-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

I 've had a loan with Titlemax in  XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.
Consumer complaint received 2018-09-18
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. (FL)

My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (OH)

I contacted Home Depot Credit Card ( issued through  Citibank ) t o inquire about a possible credit limit increase on my account. I asked the rep repeatedly  (  have a recorded call validating this ) if there would be a credit inquiry on my report for the credit limit increase request. She stated NO, there would not be. I asked her if she was sure and she put me on hold and then came back and once again reassured me that there would be NO hard credit card inquiry put on my report. She went ahead and processed the limit increase request BASED SOLELY ON THE FACT THAT THERE WOULD BE NO HARD INQUIRY and at the most a soft inquiry, this is the ONLY way that I agreed to let her do it. She then tells me that she has to transfer me to another department so that they can get more information and " verify me '' to further processing the request. When I reached the second representative, I asked again for him to confirm that there is NO hard inquiry, this rep says YES there is a hard inquiry, it was already done by the first rep and that there is always a hard inquiry with there company. Very upset, I told him that I had just been lied to about the HARD INQUIRY by the rep who first handled my call and transferred me to him. I also asked him to get the hard inquiry off of my report because in addition to being lied to about it, I absolutely did NOT authorize it. I told him to cancel the limit increase request and do not go any further with it due to the deception that I had received. In fact, we never even got to discuss the increase or verification or whatever the purpose the call transfer was for. We only discussed the Hard inquiry being removed and the fact that the rep had just lied. He ( second rep ) did apologize on behalf of the first rep and stated that he put in a request to have it removed and that I would get a letter in the mail in 10 days. This all took place on  XXXX / XXXX /  XXXX  . I have never received that letter. The inquiry is still showing on my report as of today. I also called back about  2  weeks ago and was told the same thing. Still waiting. A week ago, I submitted an online request and no one has gotten back to me. Still waiting. The hard inquiry that I did not authorize has affected me negatively and has dropped my  credit score . And no one gets back to me about it. I would like it removed immediately.
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (MD)

My name is  XXXX   XXXX , my social security number is  XXXX .     On  XXXX   XXXX ,   XXXX   I filed a dispute with Equifax that was resulted on  XXXX   XXXX ,   XXXX  . Confirmation number  XXXX . Regarding a public record on my file that had been paid. My request was to have it deleted. The credit report agency reflects that it has been released and had not removed this from my file after several attempts. I have also sent requests for verification and mailed validation of the debt and this also has not been submitted to me by the CRA in conjunction to my request.     The creditor is the State of Maryland, it is a tax lien in the amount of {$2000.00} and has been paid.
Consumer complaint received 2017-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CONRAD CREDIT CORPORATION (DC)

I entered into a   XXXX   XXXX   business agreement on  XXXX   XXXX   2017 . The total cost to do the business is  XXXX  dollars. I paid  XXXX  and have a balance of  XXXX . The business coach advised me that the business will finance the remaining balance. I asked on  3 occa sions if a credit check will be done and I was told no. The company sent me a document to sign with all my basic information. As a business partner I signed. On the  XXXX  of  XXXX     2017  I got an alert that some activity went on my credit. Only to see it was Conrad Acceptance Corporation. I contact my coach and told him I was being lied to that a credit check would not be done and I need a refund of a reversal of the transaction. He told me to contact support help at legendary marketing. I was told that the agreement I signed can not be cancelled or reversed afte r 3  business days. I made a report to my credit card company and the Credit Bureau. Attached is all text messages and emails.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Kohls/capital one card. I never asked for this. I was sent a bill that Kohls transferred past purchases to and never authorized. I sent a letter to Kohls/capital one telling them this is fraud. Told them to cancel the card I never asked for. I wanted kohls card only thru kohls like I had before., NOT A CAPITAL ONE CREDIT card. Today I received a new Capital/one credit card and was told to activate ASAP. I do not want this card. I have my own XXXX  card with another company. How can I cancel this without problems with my credit report. I did not authorize this credit card. This was wrong with Kohls doing this! 
XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following account : XXXX  XXXX XXXX Account number : XXXX {$0.00}