davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NJ)

I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NE)

Regarding my account with XXXX XXXX for a lease on the XXXX XXXX XXXX. 

XXXX XXXX added sales tax to my monthly payment in error. In the state of Iowa, you pay the sales tax for the year when you register the vehicle. They mistakenly, retroactively added sales tax to my monthly payment amount with out notifying me. I did not realize this until I logged into my account online and noticed they were claiming I was behind on my monthly payments. My monthly payments were taken automatically out of my checking account. 
I asked the rep two questions : 1 ) Why was the auto payment not adjusted accordingly so it at least did not appear I was late on my payments. They said there was a glitch in the system and it should have adjusted.
2 ) Why was I not notified of a change to my monthly payment amount so I could dispute it. No explanation could be provided. 
I was told on this call that they would confirm the vehicle was in fact registered in Iowa and would issue me a credit on my account. The credit was issued at a later date. 
I asked them if they would also correct my credit as they reported me late to the credit bureaus. I was told this would be done, but I see it has not as it still shows I paid 30-60 days late. 

I would like this reflected accurately on my credit report as I never made a late payment to XXXX XXXX.
Consumer complaint received 2017-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC (TX)

I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.
Consumer complaint received 2017-10-04
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: Experian Information Solutions Inc. (MA)

CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

On XX/XX/2017 The company EOS CCA reported a debt of {$200.00} to my credit union. This company has yet to issue me an contract or agreement made to verify the account. I have tried to dispute this acccount on three occasions with only response that it meets FRCA requirement. The company nor the credit union has yet to send me any documents to verify a contract with EOS CCA.
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (OR)

I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Consumer complaint received 2017-06-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (PA)

We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Yes have complained about this numerous times. My home mortgage payment is supposed to be taken out of my USAA checking account XX/XX/XXXX of every month. It is XXXX XXXX XXXX 2017 and my mortgage payment has still not been withdrawn by XXXX nor USAA Federal Savings Bank. I just talked to USAA CEO 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly. When or is any Federal Action going to be taken to resolve this as it is unacceptable by all means for a mortgage payment of over 1200-US dollars a month?
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (CA)

My mother who is XXXX years old received a book in the mail called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A few weeks later she received a bill for {$44.00}. 

I called the company XXXX XXXX on XX/XX/XXXX and explained we did not order the book and if they sent us return postage we would return it. They claimed that my mother ordered the book from TV. I explained that she is XXXX years old and would never order something from the TV - let alone a book about leading a more active lifestyle! I explained that this was probably mail fraud - and they were taking advantage of seniors. 

They send the account to collections with North Shore Agency who sent my mother a bill.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was closed.
Consumer complaint received 2017-10-03
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. (KY)

I have contacted all three credit bureaus multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding XXXX hard Inquiries and two car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports TransUnion, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To Whom It May Concern, I am writing to formally dispute the late payment notations that have been reported for my Capital One credit card account in XX/XX/XXXX and XX/XX/XXXX. These late payments do not accurately reflect the circumstances that led to the delays, nor do they align with my overall positive payment history. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were, in fact, late. I request to see all statements and payment transaction records from Capital One that would prove my payment was not submitted on time. It is my understanding that these items must be verified for accuracy. If Capital One is unable to provide that proof, or if there is a lack of proof of these payments being late, I kindly request that you update my payment history to PAANL ( Paid As Agreed, Never Late ) status in compliance with consumer protection laws. 

While I acknowledge the missed payments, I would like to note that I have made 98 % of my payments on time over the life of this account, which I have held since XX/XX/XXXX. The missed payments in XX/XX/XXXX and XX/XX/XXXX occurred due to a period of financial difficulty during my transition out of military service, as I awaited my VA XXXX benefits. Once I received my back pay, I promptly caught up on all obligations and have remained current on this account ever since. 

Given that I have demonstrated consistent financial responsibility throughout the majority of my accounts history, I respectfully request a review and removal of these late payment notations, as they do not fairly represent my overall creditworthiness. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Consumer complaint received 2017-10-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AZ)

I have received calls on my cellphone during work hours. I have verbally told them that I can not receive calls during business hours. I have told them 6 times. I went on their website and sent a message that they may not call me during business hours ( XXXX ). They have recently starting calling my office. When I logged on to submit a forbearance and/or deferment, I changed the settings showing my office number. Today, XXXX/XXXX/XXXX, they called again. I called them back. I was transferred to a " specialist ''. I informed this lady that I have filled out the Income Based Repayment documents. She had me listen to a recorded message and stated that she had updated my file ( s ) and the calls would stop. She did warn me that they would start up again on or about XXXX/XXXX/XXXX if I have n't submitted the documents. Fast forward 3.5 hours, another call at my office.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter. 

On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX 

I demand to obtain a copy of the itemized billing so that I can validate the debt. 

ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (TX)

XXXX   XXXX   XXXX  in  XXXX , North Carolina charged me for natural gas consumption in  XXXX   XXXX  for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from  XXXX  to  XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on  XXXX   XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by  XXXX , and  XXXX  took no action. The debt was sold to FirstPoint Collection Resources of  XXXX , North Carolina. In  XXXX   XXXX  I received a letter that was dated  XXXX   XXXX ,  XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of  XXXX   XXXX   XXXX .
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION (VA)

I authorized Branch Banking & Trust ( BB & T ) to make a hard pull on my credit for an auto loan. But they accidentally made XXXX hard inquiries within XXXX days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

OnXX/XX/XXXX - Receivables Performance Management LLC contacted me about my debt with XXXX. I agreed to a payment arrangement of {$50.00} to be taken out of my bank account to start the payment arrangements and {$25.00} every two weeks there after. 

On XX/XX/XXXX {$200.00} was taken out of my account and on the XXXX I contacted the company about it. I was told they would review the call since all calls are recorded and they would get back with me on a decision about a refund. 

About XXXX XXXX I called them back and was told the call had been reviewed but no decision was entered about a refund. I called back onXX/XX/XXXXand the agent put me on hold to review the call. The agent cam back on the phone and said yes that I was due a {$150.00} refund and the check would be in the mail on the XXXX. 

I called back todayXX/XX/XXXX and was then told by the agent who answered that there was nothing in the system about a check being sent out. I am filing this complaint because this company has done nothing by lie to me about getting my money back.