davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (MI)

I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Optimum Outcomes, Inc. (GA)

Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.
Consumer complaint received 2016-06-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have maintained a large balance in a Capital One Bank, NA " rewards '' checking account for several years. Over time it has been credited with over XXXX rewards points which I have never used. In addition, my wife has a Capital One Visa credit card with a " rewards '' feature as well. About XXXX days ago I received notification that the Bank was terminating the " rewards '' feature for the checking account effective XXXX XXXX, XXXX. I telephoned customer service shortly afterwards and inquired whether the accumulated rewards in the checking account could be transferred to my wife 's credit card account. A representative by the name of XXXX checked and told me the points were transferable, I did not have access to my wife 's credit card at the time, so I said I would call back when she was home. 
Yesterday, XXXX/XXXX/XXXX, I called back to do the transfer to her account and I was told that it was not possible. I asked for a supervisor and spoke with a person who identified herself as XXXX. She confirmed that it was not possible to transfer banking rewards to credit rewards any longer. She said the company changed transfer policy in XXXX XXXX. She also indicated that transfers between credit accounts was reinstated in XXXX of XXXX, but not between checking and credit accounts. I requested a copy of the Banks notification for the change of transferring between accounts since I could n't remember ever seeing any notice in XXXX XXXX. She said she was not able to send a copy of the notice she indicated had been sent to me. When I pressed harder she checked with another department and told me it is available in my branch office. Since Capital One has no branches in XXXX I was told I was pretty much out of luck in getting a copy of the notice that was supposedly sent to me. She had no explanation as to why I had been told by " XXXX '' I could make the transfer.
Consumer complaint received 2016-09-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California (CA)

This company Collection Consultants of California has been harassing us over a year by phone calls saying we owe a hospital bill that we know anything about. They keep calling and adding interest on to the bill. We beg them to please sent us an itemized statement of what this is. We never received a bill. We always pay our bills on time and this company has attacked our credit rating. It is wrong to attack out rating when they will not supply us with the information. I do n't know anyone who would just write a check to any company who claims you owe {$10000.00} with out any proof of what it is you owe. So I am filing this complaint with you. I went on our credit report and disputed this debt with XXXX 
I just got back in town after being gone for 3 weeks moving my daughter across country to college. In my mail is a bill from Collection Consultants of California for {$10000.00}. The assigned amount from the hospital is {$8500.00} plus XXXX in interest to this company CCOC who claims we owe this. In this envelope is an itemized statement from the hospital from XXXX of XXXX with my name on it but the wrong address. So someone at the hospital had been sending this bill to the wrong people then they send it to the collection company and they start harassing us and not sending us the itemized statement that we requested a year and a half ago. This whole time this company CCOC has had our correct address and can clearly see the bill from the hospital was incorrect but yet they refused to send us the itemized statement so that they could continue to charge us interest and ruin our credit rating. This is horrible to do to people we had incredible credit score and this is the only company that has messed up our credit score and harassed us and is charging us interest on something we new nothing about cause it was sent to the wrong address because the hospital put in the wrong zip code. CCOC had our correct address and could of fixed the problem over a year and a half ago. illegal and dishonest!!!
Consumer complaint received 2019-08-07
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

In XXXX XXXX I was looking for lenders to refinance my home and Cash Call was the lender I was dealing with at the time, XXXX XXXX was the loan XXXX he issued me a Loan estimate on XXXX I disagreed with the offer, I told him the payoffs were off quit a bit come to find out XXXX ordered payouts from both my mortgages and I was billed for it on my monthly mortgage statement {$25.00} dollars and never gave me a copy and I requested it after I learned what he did, he did worse than that he change my Home owners insurance XXXX payee to IMPAC MORTGAGE CORP DBA CASH CALL and removed my current mortgage provider. XXXX never informed me of anything is a matter of fact I emailed him after receiving the loan estimate informing him to lower the rate and fix the errors he ignored me and changed my insurance policy anyway very pushy the company puts a lot of pressure on consumers, in other wards if something happen to me cash call would be getting paid instead of my current lender. first of all that should be illegal second of all I never had a financial agreement with them.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NC)

The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

See attached complaint on this credit reporting agency that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of XXXX v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

My son 's PNC Bank account was fraudulently hacked by some one depositing a check in his account and withdrawing the money before PNC realized the check did not clear. Because my son is a college student and does not work so no money is deposited into his account on a regular basis, PNC withdrew the monies owed by this fraudulent check from my account causing my account to not be able to pay my rent fur to the bank taking my money. Heedless to say. this has caused me all sorts of financial hardships.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I called my loan company to dispute inaccurate credit reporting, and the company name is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX Equifax is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from XXXX XXXX XXXX regarding my loan payments.
Consumer complaint received 2015-07-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: United Military Mortgage, LLC (AZ)

I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (PA)

XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .
Consumer complaint received 2024-10-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, CitiBank terminated my checking account, which resulted in complications regarding my XXXX XXXX XXXX. Despite the deposit of my XXXX XXXX  check into this account, the bank refused to disburse the funds to me. 

On XX/XX/XXXX, I had a personal meeting with XXXX XXXX, the XXXX XXXX of CitiBank, to discuss the ongoing issue of not receiving my XXXX XXXX check. During our meeting, XXXX XXXX contacted customer service, but the resolution provided was unfavorable to my situation. Consequently, I have faced significant financial difficulties due to CitiBank 's refusal to release my XXXX XXXX funds, leaving me unable to pay my bills. 

After an agonizing 4 months, and threats, I was able to receive my XXXX XXXX check, on XX/XX/XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX- Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IA)

In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.