davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX 2017 ; I spoke with the company when they called in the morning and told them that I was exercising my right to have them contact me via mail and no longer by phone. 
I 'm attaching screenshots of the harrassing calls.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am submitting this complaint to follow up on my previous complaint dated XX/XX/XXXX. As stated before, per the Fair Credit Reporting Act Section 605B ( a ), Credit Bureaus are required to remove any items opened without my knowledge, consent, or authority within 4 business days, as listed in the ID THEFT Report with reference # XXXX. The accounts in question are detailed below, and I request their removal within the next 15 days : **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
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I opened a XXXX XXXX credit card with Capital One XX/XX/XXXX. I used the card normally and paid my balances on time. In XX/XX/XXXX, I received a notice from XXXX  that an inquiry was performed on me, and when I investigated further, Capital One was listed as the company. Because I had already received a notice when I opened the card intitially, I worried that this was a fraudulent account. I contacted Capital One and they investigated for several days. When I called back days later, they informed me, as a precaution, they would put a hold on my account as they carried on the investigation. As a result, I was unable to make a payment on my account. 

After many months, I received a bill in the mail saying my payment was overdue and collections would be contacted if I did not pay. I immediately contacted Capital One and explained the situation and that I was never informed that the investigation had completed. They said no fraud was detected, and I paid my balance and closed my account. In the future, when checking my credit score, it showed a late payment due to that account. I once again called Capital One and explained the situation and that I was unable to pay because they had put my account on hold. Even though I have never had anothr late payment or other problems with my credit, they insisted there was nothing that could be done and as a result, my credit score reflects a delinquency that was out of my control.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX XXXX XXXX XXXXXXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-04-02
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: EQUIFAX, INC. (FL)

I sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MA)

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! 

Please help me get these off my credit report. 

Someone said that if they don't have the fake loan paperwork then it has to come off my credit? 

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX  XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. 

What should I do to get this resolved? 

Thank you so much, XXXX
Consumer complaint received 2018-04-03
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. (MO)

I disputed 2 student loan account with XXXX  XXXX about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile on XX/XX/19. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my equifax has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both XXXX  and Equifax ONLY. The account numbers are loan # XXXX XXXX Account # XXXX XXXX.
Consumer complaint received 2018-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2023-01-04
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. (NY)

For over a year XXXX XXXX has reported to Credit Agencies that I have went over the credit limit. It is false and they have not fixed the error and it is affecting my credit score.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

Navient has repeatedly created confusion on my outstanding Federal Loans causing my consolidated loans to go in default. Not once did I receive ANY information about the default. After having my Federal Income Tax Return Offset from the Department of Labor did I go to NSLDS to look at the status of my loans. 
Only then did I see the status of my loans. And how many I had considering I went to a two year technical school. 
So many different loans, different due dates, different rates ... .over the course of two years? 
I have been struggling to find work this last year and really needed my income tax return as my child and I had lost our home due to my unemployment. And yet Navient got it all. And funny how I never saw that money as a credit towards my many many loans.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP (NC)

I have been a full time XXXX XXXX XXXX XXXX since XXXX. I completed a XXXX in XXXX in XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
Consumer complaint received 2017-11-01
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. (GA)

I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX XXXX around XXXX ; I received a phone call at my office stating that she was agent XXXX XXXX with the Federal Bureau of Investigation. I was told the IRS sent her information that my identity had been stolen, and the perpetrator had outstanding taxes owed. An arrest warrant would be issued in my name if the taxes were n't paid immediately. From this point, She told me that she needed to confirm my bank account information to make a withdrawal, she knew my checking and routing numbers, which led me to believe she was indeed with the FBI. I did n't have enough in my checking at the time, so she told me to use credit cards to pay the taxes instead. To make a very long story short, I spent the rest of the day running around buying gift cards in large amounts ( $ XXXX {$3000.00} ), where no one who knew about the scam questioned me and allowed me to make such purchases. 

Finally, the next Day I realized it was an elaborate scam and I immediately called Bank of America to report that I had fallen victim to this scam. I filed fraud disputes for all of the transactions that were solely because of this scam. I then immediately filed a complaint with the Federal Trade Commission, and was told by the FTC that the stores where I made the purchases should 've questioned me on the large dollar gift card purchases, and that this would be looked into. 

After doing some research I came across an article that stated that victims of scams can only be charged {$50.00} if the unauthorized transactions were reported within three business days, the article also mentioned that transactions that were conducted by consumers being misled by scammers would also be recognized as unauthorized, and therefore covered under " Regulation E ''. 

A few days later, I checked my credit card account only to discover that the total amount disputed had, in fact, been charged to my credit card. I realized that the bank had denied my claim. I have consistently been a fiscally responsible person all my life, and banked with Bank of America for several years, only to have this happen to me. I know this will reflect poorly on my excellent credit score, and believe that people should be protected against situations such as this. Bank of America is apparently known for denying claims like this, and I would like my rights honored.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXX I filed a complaint against Bank of America # XXXX. 
Complaint was close as of XXXX. Today I received the Mortgage Satisfaction ( SP ). 
But it was only released lien against deed on the land. I've called Bank of America 8 time. to inform them the title had come from XXXX. The SP had on information it about the title. I called the XXXX, found out that after I paid Bank of America {$930.00} in the mortgage contract inXXXX the title was transferred in my name. 
They failed to so they violated the terms of the contract. Law would call that fraud. 
Under SC Law the Bank had 90 days to get me all of the paper work, 138 days and counting.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I was recently set up on a repayment plan for my loans. I was paying {$340.00} a month. This amount was evenly distributed throughout all of my loans. For the months of XXXX, XXXX, XXXX and XXXX my payments were not processed. I had the money to pay the loans every month. I did not recieve not one call from sallie mae in these four months stating my payment was being rejected. On XXXX XXXX I recieved a call from a woman who informed me of this. She said if i didnt pay the months that were not processed which was about {$1000.00} by the end of XXXX I would be kicked off of the program. I was not given a second option. I set up a payment for XXXX XXXX, for the {$340.00} amount. She informed me if i didnt pay an additonal {$340.00} in XXXX I will no longer be under the program. I called this morning XXXX to resolve this issue. I was transfered twice spent 27 minutes on the phone and most of which my time was spent on hold. People kept transfering me to someone who can " help '' and I didnt get any answers. I need to resolve this as soon as possible.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On and around the XXXX of XXXX, my wife was scammed in a fraudulent XXXX scam ring to the tune of {$8500.00}. We contacted USAA because she deposited a check from a company and the funds showed up available after 2 days. Since the money actually posted in the black and showed as a positive in the account she took out the funds to pay what was called processing fees in order to collect her " winnings '' the day after she pulled the money out in the form of money orders, the money was then showing as never having been there. So after calling and speaking with several reps from USAA, they simply told us that there was nothing they could do and it was our fault for having 11 years of " good banking behavior ''. Meaning when we deposited the check, they assumed it was good and made the funds available. But then days later, the check we deposited bounced and they just put our account in the negative without a call or any form of correspondance. They simply told me the money wasnt real because the check bounced. My question to them was, if the money wasn't real when it was in my " hands '' ( account ), then how is it now real when they ( USAA ) want to charge me that money? and the incidental kick to the junk {$5.00} processing fee they tacked onto the {$8500.00} that " wasn't real ''. Again, the money wasn't real to me, but was to USAA, they got real money from my account with subsequent fees, for money they themselves told me wasnt real ... I am ok with losing my money that was in the account which was only a bit over {$2000.00}, we got scammed, I get it, and I'd gladly eat that amount in shame. I am not however ok with being scammed by my banking institution to the tune of a total of {$13000.00}. When USAA took the the XXXX ( account was over 11,000 before the wife took out XXXX ), it put my account at a negative XXXX, and in turn I had to take a personal loan of XXXX, just to get back in the positive, for incidental bills and costs. This is unacceptable to say the least. Best case scenario, I get my money back or at least USAA loses that " Fake money '' that they made available taken from them. OR something happens to where this doesnt happen to anyone else. Thank you for your time.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I am struggling to make payments on my two loans who are being handled by XXXX. They are going into collections, working 1-3 days a week. Every one I try to talk to in customer service is incredibly rude and short with me. Not to mention I've been charged unreal amounts in interest. Today XXXX-18 I attempted to make a XXXX payment with a prepaid debit card because I do not have a checking account. Where I was told they do not accept these type of cards with their system. Now, I have to get a money order to mail to them in the mail. Which is only going to add more interest to my account in the meantime. I'm trying to make an effort to make payments, but no one wants to work with me or offer me other suggestions. I am also in the process of getting these loans consolidated through this same company.
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (TX)

I received a loan from a company name " Fast Path Loans '' in the amount of {$600.00} by way of a check that was sent to me in the mail. After making several payments on the loan they are still stating the payoff amount of the loan to be around {$600.00} to pay it off because the interest is assessed at the beginning of the loan and made part of the initial loan amount even though I only received @ {$600.00} the say the initial loan amount was in excess of {$800.00} I know the nature of interest and fees and how they relate to a loan and this process has to be incorrect given the terminology used even though they " fully disclosed '' on the paperwork they sent me. The called it interest which is accrued over time where as fees can be almost anything that is added on to the loan at the beginning for purposes of you using their money I understand and I get it this company is just playing fast and lose w/terminology to make their loans not seem as bad as they are which is " unfair and deceptive ''
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (VA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally