davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data
Consumer complaint received 2018-01-25
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. (FL)

This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
Consumer complaint received 2018-07-17
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: CL Holdings LLC (TX)

Today contacted XXXX and XXXX on a company called XXXX XXXX XXXX I disputed the company over a year ago with success but today they reinserted it back on my credit report by have another creditor taking over according to my credit report ... they failed to notify me in 5 business days before putting it back on my credit report which is a violation of the FCRA
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.
Consumer complaint received 2018-09-10
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. (DC)

On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago.
Consumer complaint received 2018-09-10
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: U.S. BANCORP (CA)

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have had 2 unauthorized charges from XXXX XXXX / XXXX XXXX XXXX on my account since XX/XX/XXXX. I did not notice it until XX/XX/XXXX. I have not had XXXX XXXX for power since XX/XX/XXXX. I have no active accounts with them.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (WI)

I went to a atm in XXXX and the machine didn't give me the money I request. It stated that the machine was out of money. I called Child support XXXX card XXXX. I advised them of the problem. The customer service rep stated that they were going to mail me out a fraud investigating form which I had to sign and send back ... Calling every day since XXXX no resolution was ever offered to me.. Finally XX/XX/XXXX comes around and I received a emailed stated that a credit was applied to my account of XXXX which was the amount of the atm miss dispend. XX/XX/XXXX I received a letter from XXXX card stated that the investigation was completed and the credit would be permanent. XX/XX/XXXX comes around they took the credit back for no reason. I have call the company on several occasions however it is XXXX now and my issue is still not resolved. All the company keep saying is we are investigation and fill out a ticket for this to be reviewed. I just want my money back. Its been 3 months.
Consumer complaint received 2018-09-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (OH)

XX/XX/XXXX - 1 call XX/XX/XXXX - 10 calls XX/XX/XXXX - 2 calls And these are just the ones I can track on my phone. There are many more from earlier dates! They just wont stop hassling me! 

I have repeatedly told these people I am not interested in refinancing my home. I have repeatedly deleted emails from them. I have blocked their number on my phone and still they keep calling and leaving voice mails.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I am a primary and secondary buyer with XXXX XXXX. The account for which I am a secondary buyer, payments are being posted as being late when there are bank withdrawals stating the date and amounts of payments within 30 days of the due date. I have been calling over 5 times to get this resolved, and I am not getting any resolution. Each time I call someone puts in a dispute but the issue keeps reoccurring. I call back to see if the problem is corrected and I am told it's current. Now I am calling again today and its 45 days past due, when a payment was just made in XX/XX/XXXX for the XX/XX/XXXX payment. I was never received any documentation from XXXX XXXX regarding our disputes and was told today that is not the company 's responsibility to send me documentation. So I have no proof from XXXX XXXX stating that this is actually been corrected. Every person that I speak too gives conflicting or incorrect information, which leads to believe that this will not be resolved. This has affected my credit score for there inaccurate reporting.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

The collection company has contacted me on my landline and left information that is confidential about someone other than myself and no one I know. The landline is listed in my name and no one else has ever lived at this address. I receive my voice mail transcriptions automatically from XXXX. I have a attached a copy of the PDF file of the transcript. 

I have NOT been contacted by US mail as required by law.
Consumer complaint received 2018-09-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Within the past two years I've been evicted twice. The US Department of Education garnished my tax return in XX/XX/2018 of {$2000.00}. XXXX XXXX is attempting to collect a debt that I can not validate, and they continue to submit negative marks on my credit while the US Department of Education, XXXX XXXX, XXXX and XXXX also take collection activities on me. 

I have to qualify to buy a car since mine got REPOSSESSED because the US Department of Education failed to return my {$2000.00} tax refund while I was going through an eviction this year in XX/XX/2018. I've told XXXX XXXX that I can not make payments, and reporting negatively on my credit will only make my financial situation worse.
Consumer complaint received 2018-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

People 's United Bank is not properly processing loan applications, instead making up false debt figures for the DTI ratio, which I believe may be to discriminate against me. I applied for an overdraft line of credit and they put my DTI ratio  at 92 % because they created false information regarding my student loan payments. My student loans show a {$0.00} payment on my credit and I informed the bank that I pay approximately {$37.00} a month currently. They refused to use the information from my credit report or the information that I provided, instead falsifying a figure to find a way to deny me. The in-branch banker told me that the underwriter required them to call the underwriting department to discuss personal attributes about me, after which the application was mysteriously denied for this false DTI ratio. I was then retaliated against when I informed the loan department I would be filing a CFPB complaint because they refused to provide me any further service, instead hanging up on me.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OH)

I received an email on my XXXX prepaid credit card that a fraud alert occurred on my account I immediately declined the transaction and the called XXXX XXXX number told them the transaction was fraudulent and to decline, they told me I had to file a dispute, which I did when I received there paperwork, they are now telling me it will take 45 days to receive my money, back this is a prepaid card, that I load money to, and I have protections and rights they let the transaction go through, after I explained to them I don't live in florida where the transaction occurred, and that I never give my information or my card out to anyone, The Date I declined the Transaction was XX/XX/2018 for XXXX # XXXX in XXXX XXXX FL Transaction XXXX I immediately cancelled my card and changed my email passwords. However on XX/XX/18 they allowed the transaction to complete, And I filed the Official Declaration if Fraud with there company. After they emailed me the forms 7 days later Now they are telling me I may not get my money back. I cant Afford this The Phone Numbers I have called is XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: COMMERCE BANK (AR)

I signed up for a new credit card with Commerce bank, largely due to an advertised welcome bonus of {$200.00} cash back, as long as I spent {$1000.00} within the first three months. After receiving the card and activating it, I called Commerce bank to confirm the terms of the bonus, because the offer itself is not included in any of the disclosures, nor is there any sort of tracking or visibility of progress toward earning the bonus within their online banking website. Speaking to a customer service agent, he told me that I needed to spend all of the {$1000.00} on or before XXXX XXXX in order to earn the bonus. I took him at his word, since that was a little less than three months from the activation date. 

After completing the task of spending {$1000.00} by XX/XX/XXXX, I patiently waited to receive the bonus. When it still had not appeared after almost three months, I called customer service. I spoke with multiple agents, both of whom clearly had no visibility into whether the bonus had been earned, and strugled to total up the spending on my statements manually. Finally, the second agent agreed that it appeared that I had in fact earned the welcome bonus, and that she would escalate the issue to the appropriate team, and assured me that she would be calling me back shortly. I never heard from her again. 

I spent additional money that I did not need to in order to fulfill the terms of this bonus as they were described to me by an agent of the company. There was, to my knowledge, no other way for me to access the detailed terms of this bonus. The terms were, unfortunately, not honored.
Consumer complaint received 2018-01-25
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed transUnion twice to remove all personal information out dated and obsolete they have not done so, they update twice now and information still on account please remove items on the two letters I mailed to you twice names, address s, jobs, spouse, phone numbers they are obsolete I did not attach personal letters to this case
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

On XX/XX/XXXX a representative from Personal Finance Company called me from XXXX, MD. She called threatening that they are going to garnish my wages. This has caused me a lot of stress. She called again on XX/XX/XXXX. I feel like I am being harassed and bullied by this company.