davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CO)

I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I submitted my initial complaint about Experian on XXXX/XXXX/16. 
Experian represented they were in the process of mailing the credit report to me, and it will take up to 10 days. 

Today, XXXX/XXXX/2016 I still have n't received the report. 
I was denied credit and am unable to get car insurance to get to work, because of flawed reporting by Experian. 
At which point can I sue these clowns for damages to my credit score?
Consumer complaint received 2017-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX Capital One sent me a promotional offer on a " XXXX XXXX '' credit card I have with them. The offer was to transfer balances for a 2 % fee, and 0 % interest for 18 months. The offer is attached hereto, and states that balances can be transferred with the enclosed 2 checks, or by going online by XX/XX/XXXX. On XX/XX/XXXX, I went online and transferred two balances, both of which were well below my XXXX XXXX card limit. One of the balance transfers in the amount of {$8000.00} from XXXX was correctly processed by Capital One. I 've attached my XXXX statement where I noted the transaction in handwritten notes at the time. However, the other balance transfer I made that day in the amount of {$3000.00} from my XXXX XXXX card was not processed correctly. Instead, the balance transfer for this amount began to accrue interest. I realized this when I received my next statement and on XX/XX/XXXX, I spent 56 minutes on the phone with Capital One and the gentleman there was very kind and apologetic and ultimately promised that the remaining portion of the {$3000.00}, which at the time was {$2800.00} after a payment was applied to it, would be correctly classified on the next statement so it would n't earn interest for 18 months and that the interest charge on my current statement of {$33.00} would be credited to me. He also said I would n't be charged the 2 % transaction fee. I attach my statement with due date XX/XX/XXXX hereto which has my handwritten notes from this conversation, made immediately after the conversation. When my next statement arrived, the interest was n't credited and more interest in the amount of {$31.00} was charged. I called Capital One again on XX/XX/XXXX and explained to " XXXX '' with agent ID of XXXX in detail that the problem had n't been corrected. She was apologetic and said she would look into it and get back to me within a few days. A week went by and she had n't called back, so I called twice more around XXXX time and was told by two different people that they would get back to me. One of these people was a woman who told me that nothing was done on XX/XX/XXXX because the person I talked to did n't include in his notes that it was the fault of Capital One and when that happens nothing gets done. She assured me that someone would get back to me within 5 business days. Noone did. I received a third statement showing that the problem still had n't been corrected, and charging me more interest of {$30.00}. I called again and told the gentleman I spoke with that at this point someone had to at least call me back within two days or I was going to complaint to the CFPB. That was about 10 days ago and noone has called me. I have included the 3 Capital One statements referenced here showing the interest on each that I should n't have been charged, and showing that this problem is still ongoing and has n't been fixed.
Consumer complaint received 2017-12-14
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: BARCLAYS BANK DELAWARE (NY)

XXXX has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. 

I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. 

It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. 

I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX again.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (VA)

Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (DC)

My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BILL.COM, LLC (GA)

I registered as a vendor at Bill.com to make a payment to one of our vendors. I used the platform 's invitation feature to invite the vendor representative via email. Bill.com recommended registering the vendor right away, suggesting that it was already part of the Bill.com network. 

I verified the email and registered the vendor as part of our company, assuming Bill.com matched the vendor information correctly. I remitted the payment of {$27000.00} on XX/XX/XXXX. However, I later received a call from the actual vendor, XXXX XXXX XXXX XXXX, and discovered that the payment had been sent to the wrong company, XXXX XXXXXXXX XXXX. 

Upon investigation, I found that Bill.com did not match the vendor information properly but suggested a company with a similar name, leading to this error. Despite contacting my bank and Bill.com, I was informed that the transaction could not be canceled. 

I attempted to resolve the issue directly by visiting the recipient companys address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, only to find it was a registered address with no one working there. Efforts to contact the company were unsuccessful. 

Bill.com has refused to compensate or take responsibility for the erroneous suggestion, stating I did not properly verify the details, though their platform misled me with inaccurate information. I believe Bill.com 's inaccurate suggestions, which resemble SCAM-like behavior, led to this mistake.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC. (FL)

I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.
Consumer complaint received 2017-12-15
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: MicroBilt / PRBC (formerly CL Verify) (CA)

Today, I found out from the credit report provided by XXXX that MICROBILT which is unknown and strange company to me got my credit inquiry on X/XX/2017. Also I got to know that the company 's business type is auto reseller. In fact, I have already bought a car with finance on XXXX, 2017 and do not have any reason to ask credit inquiry about the automobiles at that time. 

At the moment, there was no amounts or actions disputed with them. Nonetheless, I am very sensitive about why they tried to get my credit inquiry because I did not give my permission to them as far as I remember. I appreciate you slove my issue as soon as possible. 
Thank you!
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (IN)

XXXX XXXX, who represents XXXX XXXX XXXX, has called my mother and work several times within the past week to collect on a debt. I understand that some of the debt is mine, however, I have disputed charges on one payment. My co-worker had explained that XXXX XXXX, at extension XXXX, was rude. Also, a XXXX called and was rude. They are harassing and threatening to call more if payments are n't made. I was forced to make a payment today. I paid the minimum, however, they pressured me to make a higher payment. Please look into this. The number they are calling from is XXXX.
Consumer complaint received 2017-12-14
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. (KY)

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on TransUnion they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX  XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX, INQUIRY DATE XXXX/XXXX/XXXX TransUnion : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 8. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This company, USAA, claims to have the right to hold payments to my credit card balance for 7 days. Whenever I make a payment, they deduct it from my checking account and credit it to the balance on the credit card but the funds are not available for use for 7 days. It is the only credit card that I have that has this policy. Is this legal?
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Service ( SLS ) is robo calling my home at least 5 times a day with a non responsive message asking if I am affected by the California Wild Fires. I have tried to call their offices to ask them to stop calling me. I am not affected and all they need to do is look at my address on my loan and know I am not in the county of any fires. They have all this information yet they are harassing me with these calls. How can I get them to stop?
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I and my hushband both recieved a credit report alerts from XXXX, reads. Credit report alerts. Equifax credit report. Dated XX/XX/XXXX, Updated tradeline. XXXX XXXX. Equifax. XX/XX/XXXX Buiness name/address. Buisiness. Type. Account type/Status. Balance XXXX XXXX XXXX. Affected by natural or {$1000.00} XXXX XXXX XXXX. Declared Disaster XXXX XXXX, SD XXXX XXXX called last Sat., XXXX and was told they could not do anything about it They just put this on because of all the disasters, we had NO disaster here.. 
Today I, XXXX XXXX called security at XXXX, and after hearing the same thing, that they just put it on just in case, and they could not remove it or do anything about it, this was told to me as she was reading their report that they sent, she then told me I would have to do whatever with Equifax that I could, This freezes your accounts, Last night on the news, this was on and told that it was freezing peoples account that have this show up on their credit report. 
XXXX never contacted us and now they say they can not help, they put it on but can not take it off. My XXXX XXXX ending in XXXX. This is happening to others with different banks, XXXX was the one on the news, they were contacted by a reporter, after a family could not get a car loan because this was on, and they recieved the same answer from XXXX, that we got from XXXX. 
It had frozen their credit, XXXX said they would take it off, but not XXXX, I told her they have no right to just put anything on your credit report, that doesnt have anything to do with us, and mess up our credit and have it frozen. 
After the reporter got in on it, XXXX said they would clear it. I told her if they did not take care of this now, I would cancel my cards and never do busy with them again. Our credit is in the XXXX, s worked hard to keep a great rating, now they can just add fake reporting just because they want to, XXXX does not have a balance of {$1000.00} with XXXX and I do not have that balance {$1000.00} either
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.