davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
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: CITIBANK, N.A. (MN)

I purchased a XXXX phone from best-buy using my Best-Buy credit card issued by CITI bank. In 2 months the phone stopped working and I contacted the manufacturer about it. The manufacturer was very hard to reach and to understand, probably the worst customer service I have ever seen in my entire life. I sent the phone to them and after 1 month they send the phone back saying that they can not repair with a hand written note saying that it has water in it so can not be fixed. 
I contacted the manufacturer but they did not seem to understand my situation. I have never used the phone in water or in the bathroom. Later they stated that because I live in Minnesota where the temperature is extremely cold the phone got damaged due to that. I stated that that's the worst excuse I have ever heard but they denied to fix it. 
I filed a dispute with CITI bank stating that the quality of the merchandise was not as expected but they denied the claim saying that I have receive the item. I disputed for the quality of the item not about receiving or not receiving it. 

Both the XXXX and CITI Bank are very rude and not ready to help. Please sort this out for me and a refund. 
'
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

I received a letter XXXX XXXX XXXX saying I was going to be placed in collections for money owed to XXXX, XXXX A MD, XXXX. i called on XXXX/XXXX/XXXX and spoke to a person by the name of XXXX. I explained to XXXX that I do n't know who this doctor is, that I never made an appointment with them, I did not sign any forms giving consent of treatment and that I want this company to send me proof that I did any of these things. She was very rude on the phone and told me that she would send me the proof. I have not gotten any proof but I did receive another letter saying I owe this money.
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (AL)

Experian continues to let XXXX XXXX XXXX XXXX put new negative information ( NP as of XXXX XXXX ) on an account that is clearly marked closed and was closed almost 2 and one half years. In XXXX I tried to handle this with the Bank and Experian. In XXXX I filed a complaint with YOU and Experian and the Bank. I was assured it would not happen again. On XXXX XXXX, XXXX Experian allowed XXXX XXXX XXXX XXXX posted a new NP ( Non Payment, the most harmful to credit score ) for the month of XXXX on the CLOSED ACCOUNT.. The loan was a V/A. Mortgage that I was foreclosed on. So XXXX XXXX XXXX XXXX was made whole to the tune {$60000.00}. grand and the V.A. bought the house at a price to make them whole and make about 10 Grand. Despite this XXXX XXXX XXXX XXXX has continued to harass me by making false claims on my Experian Credit Report and it appears Experian is in on the harassment.We lost personally over {$50.00} XXXX on this house. The V.A. appraiser and the seller were fishing buddies. The seller bought the house back after foreclosure for {$170000.00} and we paid {$240000.00}. We tried to get a HARP but XXXX XXXX XXXX XXXX  hired the same man to appraise the house. He did not want us to get a HARP so we could stay.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION (MD)

I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I was approved for a Capital One XXXX credit card with intro 0 % APR on purchases and balance transfers XXXX/XXXX/XXXX. On the offer received in the " Our Balance Transfer Service : Your Questions Answered '' it states, " You can request a balance transfer after you 've been approved and have received your card. You can then call our customer service department or sign in to your account. '' After meeting the requirements of being approved and receiving my card ( required to set up online account ) I attempted to set up a balance transfer but was advised online that I am not eligible for any offers for 11 days after account opening. I contacted the customer service number and was advised this is company policy and ca n't be waived even after reading back the information provided on the marketing received which lead to me signing up for this card. I spoke with XXXX and her supervisor XXXX, ( ID XXXX ) on XXXX/XXXX/XXXX and was advised there is no way to waive this company policy and allow me to process a balance transfer in accordance with the information provided on the offer received.
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (TX)

I sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

Back in XXXX I paid an agreed payment of {$690.00} to pay in full a collection instead of going to court and being sued and the agreement has n't been honored on the part of XXXX XXXX and their associates. They 're continuing to report incorrect collection information on my credit report and its causing my scores to suffer and my report to have a bad mark on it. I would like for this tradeline to be completely removed from my credit report and stopped reporting immediately! Per my rights!
Consumer complaint received 2023-06-20
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} XXXX XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (MI)

Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

XXXX XXXX started to call me, my family, and friends repeatedly since yesterday, XXXX/XXXX/17. He has been asked to not call and continues to call. It has caused XXXX, XXXX, and XXXX on our family when we have enough already going on with our XXXX XXXX son. I have no idea what he wants and who he is looking for. This harassment needs to stop!!!
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I submitted a payoff of {$XXXX} to my PayPal credit Card Somehow it was sent to a closed PayPal account. They cashed it on XXXX, and for 3 months I have had to fax front and back of Cashiers check proving that they cashed it. They continued to deny it. Finally an account manager named XXXX ( Wo n't give me last name ) admitted they have had it for over 2 months and should have sent it back since the Synchrony bank account was closed. I waited XXXX weeks and followed up. After going through an hour long discussion the 2nd rep named XXXXy ( female would n't give me her last name or Email address ) stated that yes it was cashed on XXXX and the previous account manager had not processed the refund back to me. The phone number that I had called was XXXX. I called tonight and I 'm back to square one with an assurance that although they other reps have failed to process it properly that she would get it done. I need your help folks please this is so frustrating that they can get away with this. I beg you for some help!
Consumer complaint received 2019-09-06
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. (TN)

I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

On XXXX I faxed a cease and desist letter to i c system @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against i c system. I requested that i c system send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from i c system and they failed to do so. There is XXXX accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XX/XX/XXXX I called Kholes to ask about their late policy, the lady I spoke with let me know that they report every 2 months and that if I made my payment for XX/XX/XXXX before the end of XX/XX/XXXX they wouldnt report and I would be ok. I made my XX/XX/XXXX payment in XX/XX/XXXX I believe and a couple of days later I got a notification from XXXX XXXX  that my payment history had changed. They reported me late after I was told that wouldnt happen. Since they I have called multiple times and I get told theres nothing they can do. I have even spoke with 2 managers and one was no help at all and the other stated she would put in a request to the credit bureaus I told her ok thank you. I then just got a letter on Monday XX/XX/XXXX that they can do anything once again and they are reporting correctly. This is my last attempt before I go to the XXXX. I have tried every avenue for them to correct their wrong doing after I was told one thing and then another thing happened. Its not fair to me to have to go through this situation with them and they have no sympathy or understanding of what happened and the simple thing I am asking for from them to fix it. This is my last attempt for Khols to make this right or my next step is to go through the XXXX. If once again I get a response saying theres nothing that can be dont I will go to the XXXX   and also close out this credit card and will never shop at Khols ever again. This is my first time having their credit card and the service they provide to their customers is poor.
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Total Debt Assistance Group (CA)

I am a victim of a student loan assistance program called Total Debt Assistance Group. They got all of my information, I signed a contract, and they charged me {$600.00}. I did n't know they were illegal until after I finished all the paperwork and gave them my money.
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (TX)

I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.