davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

To Whom It may Concern, This spring I submitted my paperwork for the Public Service Forgiveness Program. I have been employed full-time by XXXX XXXX since XXXX. 

First I worked for the XXXX XXXX XXXX from XXXX until XXXX XXXX. Then I started working for the XXXX XXXX XXXX XXXX in XXXX XXXX ( no gap between employment between XXXX and XXXX XXXXXXXX ) where I am still employed today. 

The loan paid for my degree in XXXX XXXX from XXXX XXXX XXXX ( XXXX ). I graduated in XXXX of XXXX. I never missed a payment. I was never told that my monthly payment amount was insufficient for repayment in this program. When I called my servicers to verify, they stated that I would qualify for public service loan forgiveness because the loan was a direct federal loan through XXXX. 

XXXX is my current servicer. 

I received a letter in XXXX of XXXX from XXXX XXXX/U.S. Department of Education referencing account number XXXX XXXX XXXX. This letter verified my qualifying employment - but categorized 100 % of my student loan payments as non-qualifying. They wanted me to make 120 more payments on this loan and try again in XXXX. 

I have XXXX XXXX in college now - this is impacting my ability to support them. 

If you have any questions, please contact me at XXXX. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

I never received any communication, documentation from AWA in attempts to collect a debt from XXXX 2011 and have been trying to contact this company to ask about the debt but my calls have not been returned.
Consumer complaint received 2017-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (FL)

PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

I received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

This dispute that I continuosly have with Equifax is their blatant refusal to remove items from my credit report that does n't belong to me and that I have sent in FTC Affidavits, Police Reports and other supporting documentation. They refuse to block the information based on identity theft and the fair credit reporting act that supports me. They continously dispute as an everyday dispute. Stating the same resolution as the information has been verified as to belong to you. Based on me reading the 605 b Identity theft rule credit reporting agencies have 4 business days to block said information. I want these items removed and blocked. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts were opened without my authorization and the should be removed. Also, I am also asking Equifax to remove these XXXX addresses that continues to pop up on my report that I have never lived. XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Reported : XX/XX/2016
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX  I was notified that my identity was stolen in my personal email and employee personnel file. 

I notified the credit reporting agencies and my bank. 

Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent credit card accounts I started to get letter from creditors I never applied to or got accounts with. 

Immediately filed a police report with XXXX and the FBI, IC3.gov, and my credit reporting agencies. 

I still having trouble today with it.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MSW Capital, LLC (MD)

MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (MD)

I have tried several times to contact XXXX XXXX XXXX about a fraudulent credit card account on my credit report.
Additionally, I have also contacted the credit reporting agencies to have this information removed. They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card. This account is not mine and I want it removed from my credit report immediately.
Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act. The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (MO)

Company HireRight has multiple inaccurate criminal background reporting for my records in the state of Connecticut. I have contacted HireRight via phone and email communication starting X/XX/2017. During my contact I established a case # XXXX and request # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. Response from the company on XX/XX/XXXX when I reached out again due to no contact from HireRight was the case was closed and they could not dispute the records. Rep spoken to was XXXX XXXX who attempted to contact the supervisor on duty XXXX XXXX but there was no response from any supervisor to handle a customer escalation. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (CA)

I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. 

On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. 

I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.
Consumer complaint received 2017-08-03
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. (GA)

On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.
Consumer complaint received 2017-08-03
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: Navient Solutions, LLC. (MD)

On my credit report I have 5 XXXX XXXX accounts listed. I have tried to rectify this situation with the lender several times. Recently, I went to court at the XXXX XXXX County Court house where the Judge has dismissed Navient 's collection efforts. I have tried numerous times to have this removed from my credit report and have not received any feedback from Navient. These loans do not belong to me and I was able to prove this in court some months ago. Once again I am asking for this negative information to removed. I have never signed any documents for these loans with Navient or any other student loan company. Please review the attached documents and please provide any and all information that would substantiate any of this being reported on my credit report. Even if these loans were mine, judging by the information on the credit report the statute of limitations has been surpassed and ask that all this negative information be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (NY)

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2017-08-02
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 (AR)

Per complaint XXXX XXXX, 2017 : # XXXX, I would like to add supporting dockets. When, XXXX, from card services said she was in XXXX XXXX ( where my dispute is ), I felt that by her calling me back on an automated service return call. That, XXXX, making me hold while she sits there, was punitive with me. Maybe, XXXX, knew I was had a credit card dispute. Case number XXXX. I was aggressively evicted from XXXX XXXX XXXX XXXX XXXX XXXX, 2017. I had pre-booked, XXXX XXXX, 2017 through XXXX, from XXXX XXXX XXXX, 2017 and flew from XXXX XXXX. After thinking about the phone call, I feel that, XXXX, knew too much and was acting punitively toward me and there was not a need for XXXX to be that punitive with me. There has to be another way. The Bank needs ot implement a cheat sheet with numbers and extensions. I feel so helpless without the right number. And feel ganged up on because of the way the people act toward me is like they can do any old thing to me and then hang up. And, it makes me very angry. They retaliate. I 'm tired of their insinuations!