davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My wife and I had to do a voluntary repot on a truck. USAA said they would auction the truck then allow us to make payments on outstanding balance. The day they sent us the payment arrangements, they also sent it to collections. They closed my wifes long standing credit card with them as well because it looked like we were in default on the truck without the chance to ever set up payment arrangements. My wife called USAA, they said they were sorry, they messed up bye sending it to collections but were unable to reverse the closure of the credit card. This reduced my wifes credit score bye over 200 points. We were told sorry, its our mistake but we cant fix it.
Consumer complaint received 2018-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Consumer complaint received 2018-01-22
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: CITIBANK, N.A. (CO)

On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob me.
Consumer complaint received 2018-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MD)

I have been struggling to pay my mortgage since my marital separation in XX/XX/XXXX. I have been trying to work with XXXX XXXX to save the home my XXXX daughters and I live in since that time. I have been working with a housing XXXX since XXXX and have applied for a loan modification. Every time I, or the housing counselor call, we get a different person that gives us different information. The housing counselor has been in the mortgage industry for 40 years, and says this is the worst company he 's ever dealt with.We were told twice that the loan modification pkg was complete ( most recent being XX/XX/XXXX). On XX/XX/XXXX, I recieved notice from XXXX XXXX that our home was sent to foreclosure that they have NO RECORD of us being in the modification process.XXXX XXXX gave me an option to make ONE full payment by XXXX to " slow the forclosure process down '', and when I called on XXXX to make the payment, they refused..demanding 3 payments. Every time we submit a document, they either misplace it or " do n't have it ''. We send it again, and they ASK FOR SOMETHING ELSE. They are rude, unorganized, unprofessional and confusing. I served 12 years in our military and have asked them repeatedly for help. Their most recent excuse are the natural disasters in California..I feel as though they are deliberately timing out the clock so that we lose our home.
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: K A P S & CO (USA) LLC (MS)

I have talk to them on the telephone and they calling block numbers on my phone so they can get in touch with me and I told I'm not working and no incomehow I can I send money on aold bill couple yearsback don'tthat make sense.
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After multiple disputes with XXXX XXXX XXXX, with every dispute coming back as a valid debt, I contacted Capital one directly. 1 dispute with capital one discovered that it was a fraudulent account. Attached is a copy of capital one 's letter date XX/XX/XXXX that says this debt is fraud. I also attached a copy of XXXX XXXX letter dated XX/XX/XXXX that says it a valid debt. 

Please remove from my credit files now. XXXX XXXX has refused to provided me with a copy of the original credit application and the drivers license on file, when I requested it. XXXX XXXX  has violated my rights as a consumer, by refusing to send me the information I requested. They also have violated my rights by not properly investigating if the account was fraudulent. 

Please remove now.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Equitable Acceptance Corp (MO)

I have called every company on my credit report to find out who has my student loan and I am constantly getting the run around. Everyone I call says they do not have my student loan. I called XXXX XXXX XXXX XXXX, Equitable Acceptance, and they ALL say they do not have my student loan. I am trying to put my student loan in deferment and I have received no help at ALL. This is very frustrating and customer service was extremely unprofessional and no help whatsoever. I need to find out who holds my student loans and how I can get them in deferment ASAP.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (MN)

The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX   years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a problem with XXXX XXXX XXXX and Capital One. I have a XXXX XXXX with XXXX XXXX XXXX which is managed by Capital One. 

I believe Capital One had a system upgrade during the spring time, and there could have been some problem, because I have not received any statement from XXXX XXXX XXXX   from XX/XX/XXXX to XX/XX/XXXX, so automatically my balance became " unpaid '' without noticing at all. 

I have not received any statement or any notice from XXXX XXXX XXXX credit card in XXXX, XX/XX/XXXX, and XX/XX/XXXX until I received an email from XXXX XXXX XXXX on XX/XX/XXXX " We see you missed a payment on XX/XX/XXXX '', which was a big surprise to me, since I have not received any statement/bill from XXXX XXXX XXXX for a few months. I looked back my email account and really there was no statement emailed to be in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXuntil I received such alert email. In a shock I immediately went to my account and I saw late fees and interest. XX/XX/XXXX was Saturday and the coming Monday was a holiday so I waited until Tuesday XX/XX/XXXX,  and contacted customer service of XXXX XXXX XXXX. I told the situation that I had never received any statement email or any alert email when I missed my payment due dates in XX/XX/XXXX or XX/XX/XXXX until I received one in a few days before. They waived the late fees but did not waive the interest, which was over {$80.00}. To manage, I immediately paid the balance. I can not understand why I have to be responsible and have to pay the interest, particularly with my 100 % on time payment history with full balance until then. 

Please investigate the issue with Capital One and XXXX XXXX XXXX. Not only the unfair interest was charged to me, but also this incident damaged my credit score. You can see my past very high credit score and payment history if you investigate. 

Thank you.
Consumer complaint received 2018-01-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (UT)

XXXX XXXX has frequently called my phone number, my family members phones, and my work phone numerous times a day. After finally getting sick of her annoying attempts, I emailed her and told her to not contact me any further at work on XX/XX/18. After I sent that message she decided to send a fax over to my work. Since I sent in writing that she was not allowed to contact me and she did, she has violated the fair debt collections act. I informed her I would not speak to her until I consulted with my attorney as after I spoke to someone last month and received my paperwork I noticed on my loan amount that XXXX XXXX had crossed out the amount that I wrote in and doubled it. Since I did not authorize that and was not told of it, that would be a fraudulent charge and I need to speak with my attorney on what I should do. XXXX has called me about 5-6 times a day since XXXX begin, every single day, she called my family members harassing them as well and now she is calling my work 2-3 times per day as well.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (CA)

I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.
Consumer complaint received 2018-06-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Navient never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead Navient kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through Navient if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT NAVIENT!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of Navient not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Consumer complaint received 2018-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Orions Management Group, LLC (CA)

On XX/XX/2018 at XXXX XXXX on saturday I received a voicemail from XXXX XXXX from orion management group. They said it was urgent and to call as asap. So XXXX I called back and spoke with the agent. He then proceeded on about a collection I have through XXXX  credit card. He told me that he has on file that they tried to call me about the debt and that I replyed bavk " just sue me '' I told him that I never received a phone call from them nor did I ever say to just sue me. He then proceeded on to me that I am going to recieve a court summons on Monday. He told me that he is working on behalf of there companies lawyer. He then went on to tell me that if I settle this debt for {$500.00} then they will stop the summons. I then told them that i can pay the {$500.00} on the XXXX, but he wanted my debit card information right now so he can put a ach debit for the XXXX. I then told him I can not do that because I've done that in the past and they illegally tried to withdrawal {$5000.00} in my account, and that I had to hand my account t over to fraud and close it. He then went on to tell me that that isnt his problem and that I have no other option. He then threatened to contact my employer in which I told him that I don't take personal calls at work. He then said again that he will be contacting my employer and that if I'm not willing to give my debit card information right then and there then I will be getting a summons on Monday. I am currently trying to get this all situated as this is a collection account t I don't recognize. I have documentation stated that my information from my background investigation for the military has been hacked into and stolen. I have a letter from OPM amd the federal government. I'm just very careful as I want to make sure this is truly mine and if it is this gives them no excuse to treat people like this and try to harass and intimidate people by misleading them and having very shady collection practices.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MI)

I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my account.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX refuses to provide a paid debt letter after being paid the full collection the amount was {$2900.00} and they stated I should pay {$2000.00} and they would properly recorded with the credit agencies- to date they show a balance of {$840.00} though the debt was paid for {$2000.00} so it should be a XXXX balance. 
upon calling the XXXX XXXX  XXXX advised they own the debt but XXXX XXXX is reporting it as their debt on my credit - XXXX XXXX rep states she can't do anything about it because i filed a dispute which I did not. XXXX XXXX or XXXX XXXX filed an internal dispute and refuse to provide me with a receipt and a paid debt letter for my mortgage company.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX