davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Illegal posting of my credit report. Violation of my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 also states that a consumer reporting agency CAN NOT furnish my written a account without my written instructions.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MD)

My student loans are held by ACS. I have been paying on said loans consistently for over ten years. However, I recently returned to a XXXX  program and my loans were automatically placed into deferment. When I realized this, I called ACS to have the deferment removed and I immediately paid all accrued interest ( this Fall XXXX ). 

On XXXX XXXX, XXXX, I received a notice from ACS that  they again placed my loans into deferment. When I called to ask why, I was informed that they " automatically place loans into deferment based on information from the XXXX XXXX XXXX ''. Essentially, I was told that my school reports the information to the XXXX XXXX XXXX and they, in turn, provide the information to various student loan companies. 

What I find troubling about this stems from the statements from ACS representatives. I was repeatedly told that " they are required to place my loans in to deferment based on a federal regulation '' and " there was nothing they could do to stop this process. '' When I asked them to provide me with said federal regulation, they were unable to do so. 

However, Title 34, Section 674.38 ( a ) ( 5 )  states, " In the case of an in school deferment, the institution may grant the deferment based on student enrollment information showing that a borrower is enrolled as a regular student on at least a half-time basis, if the institution notifies the borrower of the deferment and of the borrower option to cancel the deferment and continue paying the loan. '' ACS gave me blatantly false information on multiple occasions and has continued to place my loans into deferment after I notified them that I wished to cancel the deferment and continue to pay my loans.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc. (CA)

After exposing my information in a public manner by faxing it to a third party I contact Sterling Info Systems to withdraw my authorization to perform a background check. They refused to do so stating that only the original employer/requester can do that. This is unacceptable, this is my information that this company is putting at risk and has proven to not be able to handle properly. I am withdrawing and have withdrawn my authorization for them to provide a report to my employer as well as my authorization to continue any additional checks or screening. They have not complied and are continuing to do this work and continuing to distribute my personal information.
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I noticed that I had a negative item on my credit report from Portfolio Recovery Associates. I immediately disputed the debt with all 3 credit agencies. I then began to receive calls at my work at different times and reached out to the President of the company via email. See attachment. Since then Portfolio Recovery validated the debt with the agencies and I disputed again because they did not provide any documentation to the debt. I received from XXXX two credit card statements. There is no information about the transactions dates or any last payment information, dates or contract that I signed for this credit card. I disputed again as I do not recall ever having this account. They also are pulling my credit report every month without my consent. I have not authorized them to do so. As stated in the attach letter if they did not remove this from my credit report report in 15 days from XXXX XXXX, 2017 I would file a complaint with FDCPA and I have actually given them 30 days to comply. Next step is in bullet point # 3 if they do not honor the request I have put forth.
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO STUPID, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l. (KS)

I had a home warranty with XXXX XXXX XXXX. I have maintained the warranty off and on since I purchased my home in XX/XX/XXXX. The last series of claims were handled very poorly, with problems continuing to persist. A complaint was made to XXXX and I was told repeatedly that it was due to a high employee turnover at the time. As for the service ... It appears they bandage mechanical issues, rather than repair the source ... causing ongoing issues, creating more revenue from deductibles. I decided I needed time to shop around for another home warranty before I paid any more premiums. I was under no contract, and was told multiple times, over the course of the business relationship, that a cancellation notice was never needed. If I no longer wanted their services, I simply stopped paying. That is what I did. I received a letter from Nationwide Credit , Inc stating that they are collecting a debt of {$180.00} from XXXX XXXX XXXX! So XXXX continued to bill be for FOUR MONTHS, then turned it over to collections. I have had ZERO claims since the last series that was handled so poorly in the fall of XX/XX/XXXX. This is a complete racket!! I should not owe this amount. And if I do n't take care of the " debt '', my credit score will suffer. That I can not afford ( a drop in credit score OR the debt ). I am a single mother with XXXX children, receiving no support from the non-custodial parent or anyone else, just recently in XXXX from XXXX XXXX XXXX XXXX XXXX ... ..I should NOT owe this debt. When I have tried to contact their billing department, the recording says the wait time is greater than one hour. Not surprised, considering their new business practice. When you try to contact their SALES department, there is ZERO wait time, but they will not answer my billing questions. This home warranty company needs to be closed down. Please contact me to discuss my options. 

XXXX XXXX XXXX Contract ID : XXXX ( XXXX )  XXXX Nationwide Credit, Inc Account Number : XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-30
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)

I have sent multiple requests to Experian requesting proper validation of an XXXX XXXX XXXX  account in the amount of {$510.00} listed on my credit report. I have repeatedly told Experian that this debt is not valid and does not belong to me. Experian has blatantly ignored these requests. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company (CA)

I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX oversees my XXXX XXXX  store card. XXXX XXXX XXXX   claims that I was late in the month of XX/XX/XXXX ; I was only informed because of a credit alert that came to my email on XX/XX/XXXX.

My wife paid my bill, and made two extra payments in calendar year XX/XX/XXXX ; we have never missed or been late with a payment.

In XX/XX/XXXX my wife called the XX/XX/XXXXXXXX  automated system to ascertain the amount of our payment for the month. The automated system stated that no payment was due - {$0.00}. She paid the payment for the month of XX/XX/XXXX assuming that the payment would not change, as she had made 2 additional payments inXX/XX/XXXX, and the automated system stated no payment due forXX/XX/XXXX.

I called XXXX XXXX XXXX   immediately upon receipt of the alert on XX/XX/XXXX and was informed that we had not paid inXX/XX/XXXX or XX/XX/XXXX and that the amount due was over {$160.00}. I paid them {$200.00}, and explained that their had been a mistake. Had we known that a payment was due in XX/XX/XXXX we would have paid it, and the XX/XX/XXXX payment, which they did receive in XX/XX/XXXX would have sufficed.

I have submitted disputes with XXXX  and XXXX XXXX. XXXX XXXX XXXX did remove the late fees, and did remove the late payment fromXX/XX/XXXX but refuses to removeXX/XX/XXXX, even though a payment was received. I also informed XXXX XXXX XXXX that their automated system may have been mistaken, and recommended that they investigate.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

My account was closed on XX/XX/XXXX after completing the Financial Relief Program with American Express. I was told my account was closed due to numerous returned payments. I do understand there were some returned payments, but I was hoping this would not affect the relationship with American Express and my business. 

I recently had my mother pass away which resulted in me having to travel back to New Jersey, creating a loss of revenue for my business as I was not able to complete jobs. Now, my financial situation has improved and fully completed the Financial Relief Program and paid in full. 

After contacting AMEX, they told me my account is closed with no possibility of reinstatement. 

I am hoping the account could be reopened and continue our relationship with American Express, a financial hardship should not ruin this relationship as I have been a member since XXXX.
Consumer complaint received 2017-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (MI)

Please see attached. 

I was first contacted in relation to an alleged debt owed for medical services by  a collection agency named First Federal Credit Control , Inc. on XX/XX/XXXX After disputing the validity and requesting validation of the alleged debt, First Federal Credit Control , Inc. provided me an incomplete invoice. ( two pages of a 32 page document i.e Page 1 and Page 3 ). During the period I had disputed the validity of the Debt, First Federal Credit Control , Inc. published a derogatory collection account on my credit report. Thus causing my credit score to drop. I sent a 2nd request to the collection company indicating that they had violated my rights under the Fair Debt Collection Practices Act, and demanded the the negative report to my credit report be removed and that they provide me with the account validation I had originally requested. To date, I have received nothing and the derogatory remark remains on my credit report. 

Then onXX/XX/XXXX, I receive a NEW collection letter dated XX/XX/XXXXfrom what appears to be a second attempt at collecting this alleged debt, this time from an attorney acting as a debt collector. 

I am being harassed for payment of a medical bill that neither the doctor 's office can not validate, nor the original collection agency, because the bill was paid by my two ( 2 ) medical insurance providers previously.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

I submitted payment on XX/XX/year> To TD card services certified mail. When I contacted them regarding this they just told me theyd look into it The payment was received by a TD card services on XX/XX/XXXX at XXXX. TD has failed to preform on my behalf on my account and has violated laws repeatedly not seeming to be concerned about breaking those under 12 CFR 1016.13 The payment was for {$700.00}. Since then TD card services has kept, lost, misplaced or just totally disregarded my payment, they then parked an exceedingly high balance on my consumer report FURTHER breaking the law violating my right to privacy on top of failing to process my payment to my account. Pursuant UCC 3-306, UCC 3-603 and UCC 3-311. These laws and codes states rules that the company must follow ( WHICH THEY DO NOT ) these codes support tender of payment being required to be accepted, and if they receive payment and fail to acknowledge or accept the payment then that debt is discharged.
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient really secured me. A/K.A XXXX XXXX. I went from borrowing from what I was told to getting a loan amount after graduating and following there rules to {$130000.00} in my Federal Loans. They were charging me every month {$1800.00} and at the end of the year all I paid was nothing off the principal balance it was to pay interest. They changed my rate when I had it fixed to variable which I never agreed too. I asked them to please help me and I'll make payments but to lower the interest and payment cause I only make {$40000.00} annually. Also, they didn't care I had Private loans of {$23000.00} which they overcharged me all my loans and lied to me and I tried to explain to them what I signed but they didn't care. They just kept charging me over and over and all they did was to take my money and I have been struggling financial hardship. How can they get away with this. Navient charging me over interest throughout the year. I was lied or not told what my loan was about and when I asked them to explain customer service didn't care and didn't even want to work for me. I do my best to make payments but I had to deferred or forbeaurance cause I couldn't make there payments. As for Income repayment plan they don't take into account the amount of bills I have to pay and for my Private loans they told me can't do anything and you need us to pay us if not bad credit and than I would get even more hurt by them.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Clearview Resolution Services (FL)

today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Since XX/XX/XXXX, my investment in Coinbase ( Bitcoin ) is stuck in their " vault '' because my secondary email address is no longer available to transfer money out of the vault. The secondary email address was deleted due to non-pmt and can not be restored. I contacted Coibase initiallyXX/XX/XXXX, and they sent me a canned email saying they have to transfer the money out of the vault themselves and will contact me later. I contacted them again each month since ( 4 times in total ) and recieved the same canned emailed. Meanwhile I have lost about $ 12k because I could not sell the investment in XX/XX/XXXX. Every month I keep losing money because I can not access my investment that is stuck in the vault.
Consumer complaint received 2017-09-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ASG Solutions LLC (VA)

I had gotten repeated phone calls from " XXXX XXXX '' who says he is with a third party collector called, " ASG '' XXXX XXXX has threatened me with calling people " associated '' with me by naming off a list of people whom I may know. He said to me, " then I will be calling such and such and named off a list of people some of which are n't even relations to me. He also threatened to " garnish '' my wages if I did n't pay them {$1200.00} by Friday. He had a " courier '' who would be serving me papers on Tuesday and no one showed up. 
I was getting irritated with the entire conversation. He was talking over top of me, yelling on the phone, " asked if I had n't had my coffee for the day ''. I asked for a street address, and he refused to give me the street address, but rather a XXXX XXXX because it was none of my business of the street " ASG '' was located on. I feel this " XXXX XXXX '' is a scam since he talked to me the way he did. I will not pay or hand over {$1200.00} without knowing if this was a scam. I called back nine times to speak with him after he hung up on me the third time. On the ninth call, he told me I was harassing him and he would be calling the police on me and I would go to jail. 

I will not hand over {$1200.00} to some person who I do n't think is legit. Someone needs to investigate them. If it is legit, I will be happy to pay my debt.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (MD)

I applied for a XXXX XXXX credit account and they said bankruptcy was taken into account. That bankruptcy was discharged XXXX XXXX XXXX. Even though it was discharged it is still being held against me on my XXXX report.