davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

I am an international XXXX student at XXXX university. I opened abank account in XXXX XXXX, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the XXXX XXXX  told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : Equifax Information Services, LLC ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I graduated with my XXXX degree in XXXX. I had XXXX XXXX XXXX. I was told as long as I stayed in a non for profit, worked full time, and did an income based repayment plan, my loans would be forgiven in 10 years. Then in XXXX, I got notice that my loans consolidated to XXXX XXXX XXXX. What I wasn't told was that none of the time from XXXX XXXX that I paid my student loans would be counted for, for forgiveness. This makes me upset and I have spoken to numerous people from XXXX  that just say that all they can see is that the loan was consolidated in XXXX. They say I won't get any credit from when I worked in a non for profit and I don't think thats fair. It is definitely not ethical, nor should it be legal.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CT)

AMERICAN EXPRESS APPARENTLY ENGAGES IN BAIT AND SWITCH PRACTICES WHEN ISSUING CREDIT CARDS. I APPLIED FOR AN AMERICAN EXPRESS PLATINUM CARD AND RECEIVED AN EMAIL NOTICE THAT A DELTA SKY MILES CARD WAS BEING SENT TO ME. I CALLED AND SAID I DID NOT WANT A DELTA SKY MILES CARD AND INSTRUCTED THEM TO TAKE ME OUT OF THEIR SYSTEM AND TO NOT ISSUE A SKY MILES CARD. THEY INSISTED THEY COULD NOT TAKE ME OUT OF THEIR SYSTEM. I FIRST SPOKE TO SOMEONE NAMED XXXX I THINK. SHE TOLD ME I WOULD HAVE TO WAIT UNTIL THE CARD WAS ISSUED AND THEN CALL TOMORROW TO CANCEL IT. I TOLD HER THAT WAS NOT ACCEPTABLE, THAT I SHOULD NOT HAVE TO CANCEL A CARD THAT I NEVER APPLIED FOR, THAT IT WAS ILLEGAL FOR A COMPANY TO ISSUE A CARD THAT WASNT APPLIED FOR. I SAID I WANTED TO SPEAK TO A SUPERVISOR. SHE SAID I COULD NOT BUT FINALLY SENT ME TO SOMEONE NAMED XXXX, WHO SAID HE WAS AN ACCOUNT SUPERVISOR, ID # XXXX. HE REPEATED THE SAME STORY AND I TOLD HIM I WANTED TO SPEAK TO THE LEGAL DEPARTMENT. HE SAID WE DO NOT HAVE A LEGAL DEPARTMENT. I SAID I DID NOT BELIEVE THAT. HE SENT ME TO ACCOUNT MANAGER XXXX, ID # XXXX, WHO SAID SHE COULD NOT CONNECT ME TO THE LEGAL DEPARTMENT. I THEN SAID I WANTED TO SPEAK TO THE FRAUD DEPARTMENT AND SHE SENT ME TO A MAN NAMED XXXX, WHO REFUSED TO GIVE ME A FULL NAME AND WHO SAID HE DID NOT HAVE AN ID #. HE SAID I SHOULD TALK TO THE NEW ACCOUNTS FRAUD DEPARTMENT. I ASKED HIM TO TRANSFER ME AND HE SENT MY CALL TO THE MAIN NUMBER WHICH OFFERED THE SAME PROMPTS THAT A NEW CALLER WOULD HAVE TO SELECT FROM. I BELIEVE IT IS FRAUDULENT FOR A COMPANY TO ISSUE YOU A CREDIT CARD YOU DID NOT APPLY FOR. IF IT ISNT IT SHOULD BE. I APPLIED FOR A PLATINUM CARD. IF THEY DID NOT WANT TO GIVE ME ONE THEY SHOULD HAVE JUST TURNED ME DOWN. INSTEAD THEY SAID THEY WERE GOING TO SEND A DELTA SKY MILES CARD WHICH I DIDNT APPLY FOR AND DIDNT WANT, AND THEN SAID THAT I WOULD HAVE TO WAIT UNTIL IT WAS ISSUED AND CANCEL IT, WHICH OF COURSE WOULD AFFECT MY CREDIT RATING. THE EMAIL THAT WAS SENT TO ME HAD A LINK TO LOOK AT THE RESULTS OF MY APPLICATION. WHEN I CLICKED THE LINK IT SAID A DELTA SKY MILES CARD WOULD ARRIVE IN THE NEXT FEW DAYS. IT ALSO NOTED THE PLATINUM CARD APPLICATION HAD BEEN CANCELLED. I WONDER HOW MANY CREDIT CARDS ARE BEING ISSUED THAT PEOPLE HAVE NOT APPLIED FOR, AND I WONDER IF AMERICAN EXPRESS IS DOING THIS BECAUSE IT REALIZES THAT THERE ARE FEW PENALTIES FOR CORPORATIONS THAT ILLEGALLY CREATE CONSUMER ACCOUNTS. XXXX XXXX COMES TO MIND.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I recently obtained a copy of my credit report and saw AFNI reporting a debt that I never had that originally came from XXXX XXXX XXXX XXXX. I requested validation of debt on XX/XX/XXXX and was received by AFNI on XX/XX/XXXX. Prior to requesting validation I had never received a bill or a notice of non payment. On XX/XX/XXXX I received a collection notice from AFNI and on XX/XX/XXXX they sent me a letter stating it would take up to 90 days to complete. This is an abuse of power as the collection notice dated XX/XX/XXXX says 30 days after receiving the letter they will assume the debt is valid. I have not received validation or any other information. I have never used XXXX XXXX XXXX XXXX and would like to get to the bottom of this.
Consumer complaint received 2018-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

Evidently I have a freeze on my credit that I didn't initiate. I've tried to contact Experian to resolve it, but couldn't get anyone on the phone. There was only endless automation. I just want the freeze lifted and eliminated.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-08-21
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. (NY)

I '' m having a hard time getting these six late XXXX XXXX payments removed from EQUAFAX, and XXXX. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the fed loan payments off of EQUAFAX and  XXXX because they wont budge.
Consumer complaint received 2018-03-14
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. (OH)

There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX XXXX. Remove both accounts from credit report.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (GA)

I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened my citi bank account with a bonus of getting {$400.00}, after I deposit XXXX into my account in 30 days after opening, and keep the money for 60 days. I opened the account on XX/XX/XXXX, put {$15000.00} on XX/XX/XXXX, kept {$15000.00} for 60 days. The terms said I should receive the bonus 90 days after I keep the money for 60 days. So I should have gotten the bonus by XX/XX/26. However, I still have not gotten the bonus. 

When I call Citi, they tell me to keep waiting. Even though the bonus was due on XX/XX/26. I would like to get my {$400.00} bonus ASAP since its already overdue.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: All State Credit Bureau, Inc. (MI)

This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Green & Sons Agency, Inc. (UT)

XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a Chapter 13 bankruptcy. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

In response to a complaint I filed on XX/XX/2018 regarding their loan modification processes and timelines, Mr. Cooper my mortgage servicer is harassing and punishing me for filing the complaint. Mr. Cooper is citing I have legal representation and can only respond to my attorney regarding any issues with my mortgage. On XX/XX/2018, Mr. Cooper solicited me and the attorney representing me in my bankruptcy for the right to speak and negotiate with me directly and not through my attorney. This document was signed in agreement and returned back to them. They have it on file, but are choosing to ignore the document. 

By deliberately ignoring the release they requested and stating they will only respond to my bankruptcy attorney, Mr. Cooper is harassing and punishing me for filing a complaint by forcing me to incur unnecessary legal fees. My attorney will charge me to receive and review these documents. Documents covering issues that actually occurred prior to my bankruptcy. 

I view this as a deliberate act on their part to harass and punish me for complaining and questioning some of their business practices. They are legally bound through their contract with Fannie Mae to keep and maintain all records regarding my account. They have the documented release that allows them to deal with me direct and are choosing to ignore it. 

I am uploading a copy of the signed release with this complaint.
Consumer complaint received 2018-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Billing dispute confirmation number : XXXX, amount {$12.00}, XXXX, filed XX/XX/18, per e-mail from Capital One, a temporary account credit in the above amount will post within ten days. Ten days has now passed and temporary credit has not posted.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I was interested in doing refinance on my car loan since my credit score has increased this year. My bank uses Experian so I did a temporary freeze lift and I signed up for their membership {$4.00} just so I could get my credit score to ensure it was in the same range as XXXX and XXXX are reporting. Experian showed my credit score as XXXX which is the same range ( and I included a screenshot showing this below dated XX/XX/18! ) Today however I got the standard notice that the bank is required to send and Experian reported to them that my credit score is XXXX  (!!! ) which in turn cause me to get a higher interest rate offer which means I can not refinance. So I paid {$4.00} for nothing basically and got a inquiry to my credit for 15 points so now Experian shows my score as XXXX!! Do I have any recourse for this?
Consumer complaint received 2018-12-11
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. (CA)

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, XXXX  and Experian removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (CA)

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, Equifax and XXXX  removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Consumer complaint received 2018-12-11
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. (CA)

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

Trans Union, XXXX  and XXXX removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

On XXXX at roughly XXXX CST, I attempted to visit rocketmortgage.com to find a calculator as to what I could afford based upon my salary. After filling out my information, I received notices that a hard inquiry was run against my credit, even though I answered that I was only researching options. I reached out to the credit agency XXXX about having the hard inquiry removed and they let me know I had to reach out to RocketMortgage to have the inquiry removed. I contacted RocketMortgage and let them know I had no intention of submitting a hard inquiry, that I was only looking for a calculator type tool to estimate the amount of home I can afford. I was transferred a few times before reaching an Account Executive who let me know that because it was not identity theft he could not have the hard inquiry deleted. 

I did not intend on filling out information with the goal of a hard inquiry. This may not have been identity theft, but I do feel I was misled in using their website. This has resulted in both my Wife and I having a hard inquiry on our credit reports that will last for two years because of using rocket mortgage 's website.
Consumer complaint received 2018-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Once again Capital One is trying to run circles around me by admitting they debited my account of {$630.00} because they issued me a check for {$630.00}. I assume they want me to just give up on my {$630.00}, but I can not do that. Right is right, and they are wrong. How in the heck can they say they are justified in sending me a refund of my own money {$630.00} and then turn around and charge me that same {$630.00} again? It is even clearly spelled out in their letter to me dated XX/XX/2018. They admit that they sent me {$630.00} ( which I did cash ), and then turned around and charged me {$630.00}. In my second grade math class I learned that {$630.00} minus {$630.00} is {$0.00}. That means I am still out {$630.00}. They returned my money and then promptly turned around and charged me that same amount. Unbelievable.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.