davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

My capital one venture cards states that I have XXXX miles available for rewards travel. When I went on line and called to try to redeem these 'miles ' for travel, I was informed that the 'miles ' advertised were not really 'miles ' and that XXXX miles could only be redeemed for {$250.00} in travel. I live in XXXX Alabama, {$250.00} in travel dollars is roughly 250 miles or round trip to XXXX. This is fraudulent at best. Thank you for your consideration of my complaint.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). XXXX and Experian both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form 1099. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXX XXXX XXXX XXXX in XXXX but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.
Consumer complaint received 2017-09-22
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: EQUIFAX, INC. (MS)

XXXX XXXX, 2017 I was talking to a representative ( XXXX ) about an account that was duplicate. I also have a fraud alert on my credit and lenders are still able to pull my credit without my consent. I called the company to dispute the inquiry. The company told me to contact Equifax. I spoke to the company that has duplicate account on my Equifax report told me they sent Equifax a letter for removal. They sent me the same letter. Equifax still has not removed it. When I was on the phone with Equifax the lady hung up in my face.
Consumer complaint received 2017-09-22
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. (MO)

I called in to Transunion because I was a victim of their inquiry issue section 6-11 of the fair debt credit report act and they refused to remove the inquiries that were n't mine Which are : XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX and  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Name of company : Portfolio Recovery 3rd Party Debt Collector Company repeated calling me 4-5 time a day on my work phone and on my cell phone I have them blocked on my cell phone but not on my work Phone. I have told them to Stop calling me at work. That does not detour them.
Over the last 6 months 4-5 times a day
Consumer complaint received 2017-09-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX - Requested tax lien be removed from my report again. Have tried previously years ago.
XX/XX/XXXX - Trans union simply replied 'Information updated '.
This is not a consumer credit transaction which was taken care of long ago with the IRS.
Consumer complaint received 2017-09-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, XXXX
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America, credit card. interest rate was 31 % and monthly payment was {$700.00} per month. Years of XXXX to XXXX I was strangling with personal financial situations, I work on commission and little money I was producing was just enough to eat and pay some bills. In XXXX XXXX I called Bank of America a few times asking to please reduce my payment to {$250.00} x month until I 'll recovered into a better financial. Instead of received help, the bank sent my account to Charge Off Account. 
On XXXX Bank Of America reported Charge Off Account to the credit Burrows, and stop sending me monthly bills statements and phone calls. On XXXX XXXX the bank started to report every month late payment to this date XXXX. 
After account is reported as Charge Off, can the creditor report late payments to the Burrows? these late payments is horrible damaging my fico scores.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This complaint is against Bank Of America Home Loans. Since XX/XX/XXXX/XX/XX/XXXX I have been trying to get help in modifying my loan with BOA due to the recession. I had lost my job and I had sent BOA all information of hardship. BOA kept losing all my paperwork and kept requesting all information over and over. Eleven times I did sent. I finally gave up, no hope. Found out millions of customers had similar problems. I was forced to go into Bankrutcy inXX/XX/XXXX. Lost my house. Fast forward XX/XX/XXXX, I was informed that BOA had been sued by the Dept Of Justice and fined XXXX XXXX. BOA was supposed to help out troubled home owners even those forced into bankrutcy save the house. Mortgage forgiveness program/modification. I called and BOA played the same role in denying help even though it was part of the deal with the Dept of Justice. As of today XX/XX/XXXXI called BOA XXXX and they claimed now they sold my mortgage to a Third party called XXXX in California.XXXX. I called XXXX XXXX and they advised that my property was to be sold on XX/XX/XXXX.
I have made every effort possible to save my home XXXX XXXX XXXX, XXXX, New Jersey XXXX  But, it seems that BOA was still deceiving customers and playing dirty. I am willing to save property if BOA does honor the Mortgage Forgivessness/Modification as required by the Dept Of Justice. I need help fighting this corrupt bank. Please advice.
I really do appreciate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

THE ATTACHED INFORMATION EXPLAINS BETTER. THIS IS A SUMMARY As a veteran with a XXXX XXXX and the single parent of XXXX children with XXXX, it is imperative that I have a vehicle for all of our medical appointments. Due to erroneous banking practices by XXXX XXXX XXXX XXXX which I initially filed a complaint for ( # XXXX XXXX ) and plan to re-file/re-open, I was late on a couple of payments with Capital One Auto Finance and tried several times to make payment arrangements via refinancing, lower monthly payment request, extra payments per month, and automatic deduction via their website. Unfortunately, to date, I received no response from Capital One Auto Finance until Monday,XX/XX/XXXX, four days after they repossessed the vehicle. My payments were $ XXXX+ per month for a XXXX XXXX XXXX total price $ 26,000+. I paid on time and ahead of schedule until activities by XXXX XXXX XXXX XXXX broke my record. As a XXXX veteran, I know that there are laws to protect us from fraudulent activities and unfair charges by companies and I am researching what else I can do. In the interim I would like the vehicle to be returned and all of the extra charges and fees to get it back dropped by Capital One Auto Finance. I am in desperate need of transportation and pray that this can be handled at your earliest convenience. Your website will only accommodate less than 10mb of information so I will send the rest via certified mail today. Thank for any assistance/information that you are able to provide.
Consumer complaint received 2017-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IN)

XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

I purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc. (MD)

My grandmother reported to me on XX/XX/XXXX that AmSher attempted to tell her about a debt that resulted from cancelled services from XXXX. This collection agency does not authorize to contact my grandmother especially when they have my update phone number and address on file. In addition, they stated they got the number from somewhere and could explain where they got it from. Therefore, my information was solicited. They need to contact and forward all request to my new address and phone. I contacted on XX/XX/XXXXat XXXX with the updated information.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

the bankruptcy that i filed back in 2012 is still on my credit file and should be removed because its been 10 years since it was added. experian has kept it on my file without having all the proper info to have it there. nexis lexus is not where your suppose to go to verify something, which they have been doing.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

Equifax - My personal information has been breached due to incompetent security practices at Equifax. Equifax has offered temporary credit monitoring but that is not enough. 

Equifax, and other monitoring services, hold my life in their hands - and make money at my expense. They have virtually NO accountability but carry a large responsibility. 

If something incorrect is on my report - it 's up to me to PROVE it 's not mine. This is not fair to say the least - and to then allow a breach of my personal information and not offer to protect my credit is beyond irresponsible, it 's criminal. 

My information has been leaked. I can not take it back, ever. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WV)

Navient became the servicer of my student loans ( originally taken out through the Federal Direct Loans program and then later serviced for a while by XXXX XXXX ), and since that time I have had several problems with them that required me to call as a result of unclear or misleading communications. In this case, their website has shown for the past two months that I owe {$0.00}, and when I click " Make a payment '' the amount to pay auto-fills at 0 and just resets itself to 0. However, both my father and I have been receiving calls for the past week with vague messages asking me to confirm my identity ( I did once, by pressing 1, but then the line went dead ) or to log into Navient.com ( which, as described, I 've been doing this whole time ). Today I finally got a call from a live representative, and when we could finally hear each other ( the beginning of the call seemed like the audio was cutting in and out ) I was asked to confirm my last name. I never did that, asking instead why I was getting these calls and how I could be sure I was even talking to a real Navient representative. The representative said she had my account up, and I countered that I was looking at my account and could see no amount due. She then proceeded to tell me that my account was 24 days delinquent, and reiterated this several times after I explained that the website shows no amount due. I refused to confirm my last name when she finally prompted me again, and instead requested that she not call again. I have since emailed Navient about the issue hoping for some clarification but am still waiting for anything beyond an automated feedback message. If I have time at work tomorrow I will try to call their toll free number to see if anyone there knows what is happening.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I was contacted by a collection agency named Crown Asset Management LLC through my employer. They sent a notice to attempt to garnish my wages. I have a problem with this on many levels. # 1.  This debt was paid by my husband nearly 10 years ago. # 2. Even if there were funds owed on this account, the statute of limitations have expired, and this company no longer has the right to sue for this debt. # 3. They are violating my rights under federal law XXXX Fair Debt Collection Practices Act ) and state law XXXX Georgia state statutes on debt collection ).
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

2 years ago i XXXX XXXX XXXX XXXX a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion is combining my information with someone else 's, and as a result there are addresses listed on my credit report that I never lived at, and my name is incorrect and I 've called over the past month, disputed the inaccuracies and I was told that my creditors have to update my name but I have accounts on there with my updated name and address. But they still wo n't fix this error, each time I call it 's someone who does n't speak English and I 'm very irritated by this!