davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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 (LA)

On XXXX XXXX, 2017, I applied for a Capital One XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( capital One ) can not take care of this which led him to give me information to sum it up with XXXX. After calling XXXX, they insisted that XXXX XXXX would have to write a request to XXXX on behalf of the incident. I already have a secured account with capital one as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX XXXX  account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with capital one the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to XXXX I still had Capital One one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CO)

I bought a phone contract with XXXX online, where I was told My service would include " international calling '' specifically, calls to the XXXX where my wife resides. I ask the agent specifically about this. I went to the local XXXX store and activated the phone I had received. A few days later my service was discontinued. I contacted the local store and they said I had to return the phone, because my credit was not good enough for the contract they had sold me online. I returned the phone and was refunded my payment. Then they sent me a bill two months later saying I owed them {$430.00} for the few days I had used the phone and for long distance calls. 
I contacted XXXX and explained how their agent expressly told me calls to the XXXX were " covered '' under my plan. However, after review they said my " international '' coverage was only for XXXX and XXXX. After my refusal to pay this ridicules amount they have turned the " debt '' over to a collection agency and even lied saying I had already made a payment, which I had ( my original payment online ) but that amount was refunded to me. They are the ones who terminated our contract without notice and I will not pay them because of their breach and lies about coverage.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance Collection Agencies, Inc. (WI)

I had multiple medical issues/visits that were immediate emergency situations, each resulting in high bills. I was told that the bills were under my fathers name and account and that they were going to him. However, they appeared on my credit report with 7 open accounts in collections, all of which I was never notified about or received written notice for. I took the initiative and set up an automatic monthly payment plan to pay it off each month until fully paid off, which has been in process now for the past 6 months. Although I was never notified and was given the wrong information, I wanted to make sure that it is being taken care of and paid off. I have attached screenshots of the open accounts in collections. I have 100 % payment history.
Consumer complaint received 2018-01-11
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: EQUIFAX, INC. (TX)

On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Well, I 'm on a joint account with my brother with XXXX XXXX. My other issue is my payment on my XXXX was lowered. But, I 'm the only working in my household for the past year and XXXX. Now I 've been laid off. The Capital One Card was stolen last year. The people who stole the card along with money at a XXXX XXXX, jump up the difficulty to pay the card off. I 'd like to get better credit, but I 'm not clear as to if I 'm paying for all the money spent that myself nor my brother did n't used, or is it something else? We were late sometimes. Partly due to income change. However, I now ca n't apply for any line of credit. I 'd like to make really small payments. But receiving those phones calls often, gave me anxiety & let to medication. Just overwhelmed. My brother just told me it was lowered to {$200.00}. Does that mean we can make increments in payment. Im actually preparing to make another payment, small but it 's something. Need help, do n't know exactly what to do?
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (CA)

I have an active account with XXXX & XXXX for my home address. On XXXX XXXX XXXX I received a collections notice from a Real Estate company indicating someone had used my SS # to open a lease and utility account at the XXXX XXXX Apartments in XXXX, CA. I filed a police report documenting that I did not open this account. I sent the requested dispute documents multiple times to XXXX & XXXX in an attempt to get this resolved. I have an Identity Restoration service through XXXX and XXXX XXXX and have a licensed investigator assisting me in resolving these issues. He has also sent the requested documents certified mail return receipt requested several times. XXXX XXXX XXXX continues to claim that they have not received the documents.
Consumer complaint received 2018-01-10
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. (GA)

On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

Subsidized : XXXX Loan start date : XXXX Loan Amonut : XXXX XXXX XXXX : XXXX Estimated Payoff : XXXX : {$26000.00} 8 %
Consumer complaint received 2018-01-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I pulled a copy of my credit report and noticed that there were 2 companies. 1.XXXX XXXX XXXX-REPORTING 20-LATE PAYMENTS. 2.XXXX XXXX-REPORTING 60 LATE PAYMENTS- listed on my credit report and they were reporting several late payments in which i disputed this information with the original creditors and noticed that transunion is still reporting these late payments on my credit report. i also send the credit bureau a letter certified requesting that they provide me any documents they have on file from the original creditor but instead my request and my letters have been denied regarding alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and or civil rights, making liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1,000+ per still unproven, untrue, inaccurate, untimely, incomplete, or elsewise not compliant item reported that is hereby now being challenged in writ composition legally a consumer compliant notice in demand for a check for compliance and further irrefutable evidence to such a claim.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (FL)

I received a phone call from ( XXXX ) XXXX. I answered the phone and a male voice answered. He asked for XXXX XXXX and I said yes. He then began to say that he had information regarding a financial matter but needed to verify my identity before he could proceed. He then asked for the last 4 digits of my social security number. I asked what it was in regards to, because I was not comfortable giving out that information over the phone to a stranger. He responded again that it was for a financial matter but he could not yet tell me without confirming my identity. He then stated that he had my full social security number on file in front of him and then recited the last 4 digits asking me to confirm. He then proceeded to recite my entire mailing address. I asked if he was so unsure of my identity that he could not tell me why he was calling, why did he feel that it was okay to give out my social security number and mailing address over the phone. He responded that it was their policy to confirm identity that way, and told me that nobody could do anything with just the last 4 of my social security but agreed that my mailing address should be private. I asked for the name of the company and he responded Dynamic Recovery Solutions. I got very angry and told him that he should not be giving out my personal information over the phone, what if it was not me then they would have my information, and I told him that I would not be continuing the call and that I would be filing a formal complaint. I find it very discomforting that a company with access to sensitive information has a policy in place where it can be so readily shared over the phone.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

After 5 years living at XXXX XXXX XXXX, and suffering from dirty water coming through the shower, and my many attempts to get this corrected even through the corporate office and they, not responding to my request. The manager decided to not renew my lease and I was ask to leave, ( and this, all because I was concerned over my health as it relates to the filthy water ) so, as requested I left. 
The next thing I knew the app asinged a fraudulent case to Hunter Warfield to collect what they are now claiming I left owning, {$2600.00} ( WHAT?? ) I owe no such thing and, Hunter Warfield has slandered me on all three credit reporting agencies, this in nothing short of fraud, illegal, defamation and I am encouraging CFPB to fine both Hunter and XXXX XXXX at XXXX XXXX XXXX XXXX dollars for their fraudulent activity against me. Futher, The app complex knew of my medical condition ( XXXX, and XXXX ) and made no effort to conciser my financial difficulties, no, instead, they harassed me into purchasing renters insurance before I had a chance to shop around for the best price. They also sought to harass me by ope
ning my garage door both while I was sleeping at night and also while I was away, all illegally. And they did this because I had told them I had some pipes that came off of a wagon my great grand father owned 140 years ago.

Therefore, because of this fraudulent activity I am filing this complaint with CFPB and I am also preparing a press release and also a law suit if they continue this erroneous and non sense activity against me.

As I have stated, these companies needs to be fined.
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (CT)

On XX/XX/XXXX I was approved for a loan in the amount of {$700.00} from XXXX  XXXX XXXX dba XXXX XXXX XXXX. The loan payment is extraordinarily high ( 713.74 % ) but I was desperate for funds. I have made payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and then {$130.00} on XX/XX/XXXX, {$120.00} on XXXX and {$120.00} on XX/XX/XXXX. 

I have discovered that this company is not legal in CT therefore I should not be paying these fees. I have overpaid them {$510.00} and refuse to pay them anymore. 

I want to warn others from getting involved.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I want Sallie Mae to stop calling family members, friends, ex husband and ex boyfriends ( people who dont have anything in relation to this loan and matter ) to put pressure on me start paying them. I am constantly calling Sallie Mae, last call I made was XX/XX/XXXX to find a way to have an agreement between us and make reasonable payments for my loans. I keep communication with them but they keep calling other people and its causing me huge problems with my husband and with them as well b cause they want to get these phone calls from Sallie Mae since they have nothing to do with me anymore. In XX/XX/XXXX I had a big argument with my case manager and warned her not to call other people who know me just to pressure and pay I told her I wasnt recording her and that whatever they are doing IS ILLEGAL and she apologized and told me they wont do that again, my husband and I got separated for that reason because a few of ex boyfriends and ex husband kept coaling me for that matter. Its getting out of hand. However, they did it again on XX/XX/XXXX. These people called me asking to tell XXXX XXXX not to call them. I dont know how to make them stop. I keep contact with them at least twice a month and they have evidence of that in their recordings. This is destroying my marriage and i urgently need help to make them stop calling people who are not in the loan and are not even related to me. Please help me. Because of this my husband, who wasnt gon na help me paying my student loan, while I Prepare for my boards to get into a XXXX ( XXXX XXXX ), do not want to help me. Please help me. Thank you! The file attached was sent to me my ex husband who is tired of getting this calls and causing trouble with his wife as well.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.
Consumer complaint received 2018-01-11
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. (OH)

I defaulted on a XXXX XXXX loan. I started receiving correspondence from US Department of Education with debt total of lil over XXXX. I started making payments of 2 to 3 hundred a month while working over XXXX XXXX XXXX. I take the winters off and haven't made payment since XX/XX/2017. I just received a letter from XXXX XXXX , XXXX stating amount due XXXX. I do believe my balance with The US Department of Education should be around 3,500.00. So who is in charge of my debt? I'd like to finish paying this off when back on XXXX XXXX this year but don't quite understand where I stand and who to pay. Please help me understand. Thanks
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MD)

After paying for nearly three years, I got an email from XXXX that would not tell me my balance and minimum. I assumed that it was fake email but when I called the help line the first excuse was a dispute with my previous address and now the line they are telling that I was going to transfer my address, both which is untrue. All I want is to restore my normal email from XXXX explaining me my balance each month. I hoped to pay them off, they have no attempt to resolve the problem or to recognize the problem lies with them. How can pay off a debt if can not be informed of my balance. When I even asked for my balance I had to beg for the information. I filed a complaint with the XXXX XXXX and refused to response. Like I said every attempt to resolve end up a different story each time. I even pay too much to run a report from my bank XXXX to prove that I pay each month on time the minimum amount each time. They seemed to ignore and discredit my problem. No attempt to resolve this problem. XXXX XXXX