davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is not providing me with legitimate bills. I have received two bills in the mail. One requesting the payment, another requesting a higher payment. The higher payment of XXXX dollars does not correlate with the original agreement received when opening the XXXX  XXXX dollar credit card. I am receiving horrible customer service when contacting the company and they are refusing to give me any information about my two credit cards. They are sabotaging my credit and probably the credit of others. They seem to be a very inproficient, uneducated, and disgusting company. They need to be shut down. 

Thank you kindly, XXXX XXXX.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Collections, LLC (CA)

On XXXX XXXX FAIRWAY COLLECTION  added a derogatory mark on my credit report to XXXX & XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA FAIRWAY COLLECTION has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (OH)

I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX XXXX  notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university XXXX  on Friday, XX/XX/2021 at XXXX XXXX  requesting that the loan be canceled. The university bursar notified me that the loan was canceled. I have contacted Oklahoma Student Loan Authority on two different occasions via phone and have submitted 3 disputes via XXXX. The issue still has not been resolved after 9 months.
Consumer complaint received 2022-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from Beneficial without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said Beneficial there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however Beneficial gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan.
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (MI)

These following account below are appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX XXXX  XXXX Bureaus. As per FCRA, the XXXX, XXXX XXXX  XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm these accounts. 
ALLY FINANCIAL XXXX Balance {$73000.00} ALLY FINANCIAL XXXX Balance {$20000.00} ALLY FINANCIAL XXXX Balance {$0.00}
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group (FL)

The phone calls began on XX/XX/XXXX. They were repeated calls coming from a Ohio number and even on XXXX of them I told them to stop calling. They also have been sending text messages to mother concerning a debt that is over XXXX XXXX XXXX. I have started a dispute with XXXX of the credit bureaus and am sending a letter to the creditors as well. They treating me with garnishing my XXXX XXXX and also XXXX  XXXX on my accounts. They are also telling me of a civil judgment that was supposedly done XXXX years ago which I was not summoned for. I believe this is an illegal way to try to collect on a debt that has reached its statute of limitations. Also looking into the original creditors there were investigations and lawsuits back in XXXX for illegal collections and civil judgements for service members not living in the state. The CFPB were the ones who conducted the investigations against the XXXX XXXX in XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDENCE RESOURCE MANAGEMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2022-02-21
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: Shellpoint Partners, LLC (GA)

I was very sick with XXXX as of XX/XX/XXXX, and was admitted to the hospital. I paid XX/XX/XXXX mortgage on XX/XX/XXXX. I sent a copy of my XXXX test result and a doctors note to Shellpoint. I also sent them screenshots of financial statements to prove that I had the funds available but was too sick at the hospital to make the payment. However, Shellpoint Mortgage totally disregards the documents and focuses solely on the late XX/XX/XXXX payment. 
According to the Consumer Finance Protection Bureau website, lenders and creditors can not report a customer who is impacted by XXXX to the credit bureau XXXX 
My credit score was impacted by over XXXX points as a result of the late reporting to the credit bureau. I have owned this property since XX/XX/XXXX, and my payments have NEVER been past due. I reached out to Shellpoint Mortgage via phone and in writing and they refused to fix the late reporting to the credit bureau. I am asking for assistance from this agency to resolve this matter because it is unjust.
Consumer complaint received 2022-02-19
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. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$630.00}
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have had a credit card with the Shell gasoline company for about five years ( maybe more - don't remember when I first got it ). I use it to purchase fuel for my car. This happens about once a month - more if I am on vacation. Every month, for the past 5 years, I have faithfully paid off the balance on this card. 

Now they have sent me a letter saying they are terminating my card. The reason seems to be that my credit score isn't high enough. I've never missed a payment on their card? Why am I being punished? 

The thing is, I have had some bad credit in the past. For the past two years I have been working diligently to repair my credit. It happens that my Shell card is the oldest credit account that I have. Having it terminated will be a major blow to my credit score, since it makes my credit age younger than it should be.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has a " Reward Dollars '' program which in the past has been paid to me, the cardholder, by check. I called their " Customer Care '' line last week, and I was told that I could get a check after my auto-pay payment came through on Friday. Unfortunately, I did not take the representative 's name because I THOUGHT American Express was an honest company. Today, ( Monday, XX/XX/2022 ), I called their Customer Care line and spoke to a representative named XXXX. He told me that American Express never issued checks for Reward Dollars, although I have received checks from them in the past, and I was told that I could get a check if I called today. I asked to speak to a supervisor. I was connected, after being on hold for several minutes, to a man named XXXX, who said he was a supervisor. ( Although, I found it strange that It took him several minutes to find for me the corporate address, and he did not know what agency regulated the credit card industry. ) XXXX told me that the only way I could get the dollars that are supposedly mine was to apply them to my account. He said that the representative that I spoke to last week gave me incorrect incorrect information. To my way of thinking that previous agent was lying or incompetent. XXXX told me that, if I closed my account because of their policy, my dollars ( almost {$700.00} ) would be forfeited. If this is my earned rewards, how can they just take it? 
I believe, and I told XXXX, that their Reward Dollars program is a scam
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Had this company in XXXX that came through with a sole purpose of assisting me sell my time share and i was defrauded of {$22000.00} through wire transfer. Bank of America did all transactions on my behalf and i have been in contact with them for over a year now to intervene. Bank of America has come back and they have told me that there is nothing they can do to help me recover my money.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. Sates I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I went to a XXXX XXXX as she advertised on a flyer and all over her front house on a build board and she asked for {$4300.00} dollars because she said I was cursed with XXXX XXXX and my family and children were in danger, I was scared so I zelled her the money and told me to call her back to do her cleansing but when I tried calling her she kept ignoring me and I realized I had been scammed I called my XXXX XXXX to report it and they couldnt do much I also called zelle and they couldnt do much either so I lost mine and my childrens savings because both companies cant get my money back when they can see through their end who I sent the money to I feel let down and taken advantage of it very sad.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022, I, XXXX XXXX, applied for and was approved for the XXXX XXXX XXXX XXXX card, issued by Synchrony Bank. I received written approvals not only on Synchrony 's website, but in an email sent directly to me as well. Both stated that I would be receiving my card in XXXX business days. Furthermore, I was provided with a XXXX reference number that was supposed to enable me to shop online at XXXX immediately while waiting for my card to arrive in the mail. However, upon entering the reference number, I repeatedly was unable to place my order. I spent hours on the phone with XXXX, who referred me to Synchrony. Synchrony stated that my application had been denied. I strongly protested, and advised that I had received XXXX written approvals, a XXXX reference number enabling me to shop, and was told my card would be arriving in XXXX business days. How could all that happen if I had been denied? I posed that question to Synchrony, and they refused to answer and just kept saying that my application was denied. I insisted there had to be some mistake or oversight, and even offered to forward them my approval email. They were extremely rude and hostile throughout, and actually said that they don't have any email addresses that I could send my approval to. I guess they don't use email. Synchrony has been disingenuous and deceptive, and this is egregiously unjust. A credit card company should not be able to advise me not once but TWICE that I was approved for one of their products, then tell me to expect it in the mail, and then offer me a way to use my card online before it arrives, only to turn around and say nope you're denied we're not sending it to you, and we refuse to even acknowledge your question about why you received XXXX written approvals if you had been denied. I never would have even applied for this card if I knew this was going to happen.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (VA)

XX/XX/XXXX, I noticed XXXX XXXX  company overcharge me for the rental I received. After contacting the CC company they stated they would help. No results, but in XX/XX/XXXX XXXX go to charge mt card 2 additional times after my dispute was filed and new card sent out because of unauthorized charges. XX/XX/XXXX the CC company stated someone had to give XXXX my new account information because thats the only way my account would keep being charged. After talking to their fraud department, they reimbursed me {$69.00} and was waiting for the conclusion of investigation to reimburse the other {$200.00} charge. The CC never reimbursed, I sent a couple of certified mailings asking if they can investigate and provide me with the details of their investigation. I received no responses and have emails where the fraud department acknowledge they have not even investigated the fraudulent charge. This email was back in XX/XX/XXXX and still no response after I bring it to the representative attention.
Consumer complaint received 2024-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (OH)

I have been paying this student loan for XXXX years. My balance never ever goes down. I just pay interest and late fee payments. So my interest is all I am going to pay for the next XXXX years. I was manipulated and tricked into XXXX months of deliquency with their predatory calls and threats of lawsuits if I do not pay. They call constantly when I can not do anything about it. They severely disrupt my days, call at late hours in the night and morning. and they just do not stop. They are the worst, most disgusting lenders that I have ever had to deal with. Pretty sure if I was to work there, I would go home feeling like a dirty con man that has no conscience or empathy towards people.
Consumer complaint received 2022-02-19
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. (PA)

I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to XXXX XXXX I realized I didnt ha s my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.
Consumer complaint received 2022-02-10
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX  XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX  XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to get my credit report since XXXX from all 3 bureaus. My information was exposed in a XXXX data breach and hospital databreach. I have given Transunion everything to verify my identity and address several times. XXXX they had my social number off by one digit, XXXX i was reported as a dead person, XXXX i was asked for more identity verification and same for XXXX. Ive given them copies of everything including my social. 
In the mean time 4 years later i have recently filed identity theft, including medical identity theft and several account intrusions and takeovers. Ive spent over 1000 $ on XXXXXXXX for my children and i, the insurance for that was stolen too. Insurance checks from XXXX and XXXX. Im still waiting for my other medical records, the ones i recieved so far have inaccurate information which i have suffered over and am trying to still correct. i was able to view a small portion of my report recently. Ive seen majority of my activity through XXXX XXXX  that too i was locked out of. There are two phone numbers on there that are clear signs of identity theft because they arent mine. I need a detailed report. It would never allow me to freeze my credit. It only hung up on me everytime ive requested. This whole time someone else has been using my identity and finished paying a XXXX XXXX account two weeks ago.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

On XXXX XXXX someone had access to my account without any authorization from me. They deposited a fake check of {$25000.00} and withdrawn {$5000.00} from my checking and {$6000.00} from my savings. I saw it and I called citi bank and they did a dispute and give me a claim number and told me to wait until 90 for the investigation to complete. They write telling they need more info I mail them the info they requested. When it was about to reach 90 days they send me a letter in the mail saying they denied to give me back my money and saying investigation complete. I need my money to pay my bills because Im not working and also need it to buy me and my newborn food to eat. Please help me get my money back I will gladly appreciate it.