davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (MD)

I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a  company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?
Consumer complaint received 2017-10-25
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: FC HoldCo LLC (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite my repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2017-10-29
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. (FL)

Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meade & Associates, Inc. (MI)

I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem them.
Consumer complaint received 2017-10-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CASHCALL, INC. (CA)

In XX/XX/XXXXI made the mistake of contacting CashCall for a payday loan. After years of debt payments, I was able to replay the loan in XXXX. I requested payment confirmation at the time, it was never sent to me by CashCall. 

7 years passed, with no letters, calls, etc. 

Yesterday morning, they were somehow able to withdraw {$3500.00} from my checking account as a " collection action ''. I know they are currently in court ( with the CFPB I think ) for illegal actions just like this ; what can I do?
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.
Consumer complaint received 2017-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I had an appointment with Wells Fargo mortgage on Saturday XX/XX/2017 and that lady from mortgage she did n't knowledge me, she treated the people that I was and her desk good and another person was waiting in the lobby and when it was my turn she did emphasize with me. I explain everything what is going now with my mortgage and she did n't encourage me to get a loan and she said is going to send me referrals for real state that day she even send those referrals. She saw I was XXXX and that 's way she treated me like that. I feel descriminated.
Consumer complaint received 2017-10-26
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: Experian Information Solutions Inc. (CO)

XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX/XXXX  :XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I have called each credit agency as well as creditors and nothing has happened
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MA)

I was sent an offer from Milestone ( concora ) Credit card. I was approved for a XXXX limit and charge XXXX for an annual fee. I used the card once and then they shut it down for suspicious activity. They asked for a copy of my drivers license. I paid {$15.00} to send it to them. I call them today they shut the card down and expect me to pay the XXXX for a card that THEY gave me FRAUDENTLY. They scammed ME out of XXXX. If I don't pay they are putting it on my Credit report. I am trying desperately to rebuild my credit and this company knows that the people they give these cards to all are so they scam you and then close your card no legit reason because I proved who I was. What am I supposed to do. I will pay them for the one item I was allowed to purchase but I am not paying the XXXX. The shouldnt have allowed that initial purchase but they are smart. They know they can XXXX you because they allowed this one purchase. This is fraud -- they should not be allowed to do this. There should be a class action suit and have to refund everyone XXXX XXXX XXXX XXXX. And rude- they are the rudest. They are taking advantage of people who are trying to change their situation. There should be repercussions ' for their fraudulently ACTIVITY..
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation (CA)

On XXXX XXXX, XXXX, I received a Notice of Wage Withholding from a private company called Performant. During a phone conversation near the date of this notice, I asked Performant to send me documentation regarding the federal student loan for which it was demanding payment. Prior to receiving this notice from Performant, I had not received any notice from any lender regarding default. I had taken a loan in XXXX to attend XXXX University in XXXX XXXX. I had made regular payments on that loan to a private lender, XXXX. In XXXX, I asked for and received a forbearance during the period of my graduate study. When I graduated in XXXX, I checked my account with XXXX 's servicer and received notice that no balance was due. 

Accordingly, when I received notice from Performant of the Garnishment action I asked for documentation. As of this writing, there has still been no documentation provided. I further tried to reach an agreement with Performant as I told them directly that I wanted to pay the loan -- the balance of which was approximately {$2400.00}. Performant instead demanded immediate and full payment of an obligation it purported to be {$2600.00} - adding various fees. Performant never gave me a reason for rejecting my good faith of an offer of a payment plan of {$400.00} every month for six consecutive months. 

On XXXX XXXX, XXXX, I contacted legal assistance. My attorney wrote Performant on XXXX XXXX, XXXX, and demanded Performant provide copies of its loan materials and to discuss a good faith repayment plan outlined above. Performant never returned any communication. 

On XXXX XXXX, XXXX, Performant issued a XXXX XXXX to my employer. Performant further asserted to my employer that it had notified me multiple times regarding the Garnishment, and contrary to all fact, told my employer that it has been compliant in showing me the basis of its asserted obligation. 

As of this time, my employer is withholding my pay based on Performant 's non-compliant if not fraudulent representations.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Performance Settlement, LLC (MI)

I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

XXXX XXXX XXXX ( XXXX ) has been notified several times that the cosigner ( father : me ) wishes his name to be removed from legal obligation on the contract of my son 's college private loan. The loan in question is dated XXXX/XXXX/XXXX with an outstanding balance in excess of {$8000.00}. He graduated in XXXX, XXXX and has met or exceeded his payment obligations every month since then. He is now married and has a joint income of more than {$120000.00} ; his personal income exceeds $ XXXX/annually. Clearly, he is able to meet his own obligations relative to educational loans. 

I have contacted American Education Services ( AES ) numerous times. AES contacted XXXX in XXXX, XXXX and in XXXX, XXXX, and XXXX, XXXX. All contacts have received no responses. 
My complaint is with XXXX. Not with AES.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account
Consumer complaint received 2017-10-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have spent over a year trying to get all three credit reporting agencies to correct incorrect negative reporting of XXXX XXXX XXXX XXXX. They are reporting XXXX XXXX, as delinquent. I had requested an extension for that month, due to an extreme medical emergency. I have talked by phone to several different agents who were extremely rude and were not sympathetic to my concern of my wife 's mental breakdown and the financial burden caused by it. I have been told by one agent several months ago that she had deleted and it would reported to all three credit reporting agencies, however it was not. Others said I would need to talk to another department, only to be disconnected. I explained that I had, had two auto loans with them and only had only one late payment reported and it was not correct. I have asked for a goodwill deletion by phone and letter as this was hurting my XXXX XXXX. They have no sympathy for a loyal customer. I am XXXX and my wife is XXXX, and I need a better XXXX XXXX to admit my wife, who has XXXX XXXX XXXX, to a assisted living facility. I need help if at all possible. It is on all three XXXX XXXX, XXXX XXXX XXXX. The account number is XXXX. Comments on the internet are that Capital One is the worse companies to deal with to make corrections or help their customers. Please help me if possible.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is Fraudulent account and I never open it, My information was stolen and opened credit card. 

Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/2024 Status Paid, Closed/Never late. 
Status updated XX/XX/2XXXX XXXX
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 information incorrect
Company: Experian Information Solutions Inc. (CA)

We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Unverified account
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else