davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (IL)

I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? 

Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.
Consumer complaint received 2019-08-13
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 — Investigation took more than 30 days
Company: Integrated Asset Recovery LLC (NY)

I have 2 accounts with XXXX XXXX and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I lost my job due to a severe illness preventing me to work. I have a loan with CarHop finance aka Universal Acceptance Corp. And we worked out payment plans and I have emails specifically stating from one person that the payment plans will bring me current and the remaining balance will be pushed back to the end of my loan. I then started to be harassed by another person who says I still owe that balance. She completely ignored the fact that someone else stated I would be current. I went back and forth with her in emails because I do not have a phone to call from at this time. So all of this is documented and she is falsely saying I agreed to make payment plans on the remaining balance when I did not. Before this she said I must pay XXXX dollars so they could push the remaining balance to the end. Although I did not want to, since I was told something different prior, I still did it so they would stop harassing me. They took the XXXX and now won't push it back to the end which of course will later involve a repossession which is wrong because I followed all the instructions given to me since this has happened to me. Please tell me what to do because they are notorious for being criminal.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

My loan ( which had been refinanced/consolidated and was in good standing ) was servicing transferred American Education Services ( AES ) from XXXX. Upon servicing transfer, AES changed the terms of the loan, including interest rate, amount due, term, etc. According to their information, this loan is now in Forbearance and they are charging me interest only payments rather than applying the amount to principal that was specified in the previous loan agreement. I have requested multiple times for them to research the history of the loan and correct their mistake, but they have chosen to do nothing. I asked them how they were justified in changing the terms of the loan under a simple, servicing transfer, but they insist that the loan was in default. XXXX 's records will show otherwise, but AES has elected to not research the history of the loan and update their records.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (WV)

I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I went to school in XXXX Arizona at the XXXX XXXX XXXX ( XXXX ) and originally had my subsidized and unsubsidized direct student loans through XXXX XXXX before they transferred all federal student loans to Navient. Navient always gave me bad information. When I graduated I asked to have my loan payments reduced and all they offered was forbearance until I could afford the payments. They never told me about a payment plan until many years later when Obama extended payments to 25 years. That was all they offered me. When I asked about forgiveness they told me that I needed 120 payments before I was eligible for it. When I made the 120 payments, then they referred me to a website that said I needed to be in a Direct student loan program for 10 years or 120 payments before I could get forgiveness. For years they would never tell me how much my total student loan was for including the interest, then one day it appeared on their website in 2017 for the first time and now it is gone again. My total loan was $ XXXX, which is way more than the school tuition had started out as $ XXXX per year. Right now I owe about $ XXXX. XXXX received all the checks from the Federal government and kept on raising the price and applying applicable fees. Everytime I questioned the payments they would be talk in circles about the provider, servicer, handler, and other individuals that were to be paid by my loan. I kept feeling like they were robbing me blind, but always had some strange excuse for where the money was going, but never provided any detail to who was receiving all this money. Now I am stuck with this massive bill that could not get me a job with this XXXX XXXX XXXX and I am looking to retire next year with this big debt.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (WA)

On XX/XX/XXXX I applied for a XXXX credit card that was " preapproved '' and was denied by XXXX, a company I 've never heard of. I was told my credit score was XXXX which is preposterous. The reasons given were ; # 1.Distance between prior  residences ( I 've lived in a 6 mile radius for the last 17 years with 3 moves ) # 2 Length  of residence too short ( It will be 8 years in XX/XX/XXXX I 've lived at my present address ) # 3 Inquiries did not adversely affect score (? ) # 4 Invalid or missing information ( Original application with XXXX was filled out completely and correctly ) # 5 Risk associated with address history ( again,? ) In reading reviews/comments about XXXX I see now why this is. I tried on several occasions to contact this company only to get no answer during business hours, or to have to leave a message to which I received no response. The last message I left was today at XXXX. I called at XXXX PST and the phone just rang untill I finally hung up. I also find it interesting how on previous complaints about this company they choose to not publish their response.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (UT)

Signed up for a checking account under a promotion to receive a {$200.00} within 60 days after having a direct deposit of at least {$300.00} post to the account. I met the terms of the promotion, but the bank has not given me the {$200.00} within the timeframe specified in the terms.
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!
Consumer complaint received 2019-08-13
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. (CO)

I contacted TransUnion to notify them that they have scored me using old-outdated information. They had a ten year old bankruptcy listed on my record. Equifax had the same record the previous month but when they removed it, my scored jumped 88 points from a score of XXXX to XXXX. I contacted TransUnion to inform them of their mistake and they did remove the bankruptcy from my record. My issue is that even after removing a bankruptcy, my score XXXX with TransUnion did not change at all. How is it even possible that the removal of a very bad record such as a bankruptcy report did not change a credit report score at all???? 

I request that TransUnion recalculate my credit score rating taking in consideration that it no longer has a bankruptcy record. My credit score should be in the 800-850 range!
Consumer complaint received 2019-07-25
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. (OH)

I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX OXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-12
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. (FL)

I am requesting for the hard inquiries listed below, to be deleted from my credit report. Both accounts listed below was deleted from my credit report by XXXX, but the hard inquiries associated with these two accounts are still actively viewing on my credit file. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). I also want to advise XXXX, that I am a very pleased consumer and this is by far the best credit bureau. That assist customers needs promptly and fairly. XXXX and Experian does not address needs and have the customer going through circles with disputed and fraudulent items. Thank you XXXX   for your dedication to the consumer.
Consumer complaint received 2019-07-25
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. (VA)

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, Equifax, and XXXX ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

Paid Net Credit XXXX dollars to pay off a XXXX dollar loan. Then a week later they claimed I owed another XXXX dollars. Very shady I want them to cease asking for additional money. Have already been in touch with legal counsel.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

Good afternoon, I contacted Equifax regarding a judgment on my credit report. The Judgment was paid in full in XXXX of XXXX. I initiated a dispute in XXXX of XXXX to dispute the unpaid judgment on my credit report. The status came back as still being unpaid. I called the court and gave them the number off of the credit report and they stated that yes it was paid. I asked how the credit bureau obtained information regarding my judgment and the court stated that they do not report to ANY credit bureau. I called the Equifax number listed on the report from the dispute and was told the status was still unpaid and that they communicate with the courts electronically. I explained to the gentleman that the court did not report anything to him and he stated several times that the report says they did. I called the court a second time to verify that they in fact DO NOT report to ANY credit bureau. I did a little research on the Fair Credit Reporting Act at the following site : www.creditreporting.com According to my research the credit bureau illegally obtained the information regarding the judgment in question. 
FCRA 603 Definitions ; rules of construction [ 15 U.S.C. 1681a ] States the following : XXXX Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which XXXX the consumer who is the subject of the communication XXXX consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; XXXX XXXX XXXX in the case of consent under clause ( XXXX ) or ( XXXX ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; I gave neither explicit nor implicit permission for the release of any information regarding said judgment to Equifax. The information obtained and displayed on my credit report was obtained illegally. It is at this time, based on the above law, that I am requesting the judgment be removed from my Equifax credit report. I have contacted their resolution team and spoke to a XXXX XXXX XXXX XXXX and she refused to remove it because it is not their company policy. 
Please feel free to contact me further regarding this situation as I would enjoy speaking to someone.
Consumer complaint received 2018-01-16
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: EQUIFAX, INC. (TX)

I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
Consumer complaint received 2018-01-16
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. (TX)

I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a checking account with XXXX XXXX XXXX XXXX. Most of the transactions with this bank are done online, that 's the main reason I use it. On XX/XX/XXXX I  needed {$3700.00} from my checking account immediately, I could not wait for the regular process to take place. 

I called their customer service to see what my options were. I was informed that since the daily withdrawal limit was {$1000.00}, my best option was to go to the XXXX XXXX XXXX in XXXX XXXX here in XXXX CA. The person who helped me over the phone told me that once in the cafe, an associate from the bank could call them so they could raise the withdrawal limit while at the branch ; that way I could get my money from their ATM without any issues. 

I drove to the cafe, and XXXX XXXX an ambassador from the cafe ( he works for Capital One ), helped me. He called the bank and did what he was supposed to do, then after confirming my identity they raised the limit to withdrawal my {$3700.00}. While still on hold with the bank, and XXXX next to me at the ATM I went ahead and did the request to withdrawal my {$3700.00}. After a few minutes ( longer than usual for an ATM ), and a lot of noise, the ATM said it could n't give me the money because it did n't have enough money. 

I read the message, and XXXX read the message. I went ahead and try to get my money at the other ATM next to me, to our surprise the ATM said I did n't have enough funds, the money was withdrawn on the previous transaction, even though I did n't get any money from the previos transaction. 

The representative from the bank was still on hold and XXXX explained to her what just had happened. After several minutes she transfer the phone call to a different department, claims department I believe. I spent almost an hour on the phone with this person, and the only solution I was given was to wait up to 10 business days ( until  XX/XX/XXXX!!! ), while they conduct an investigation. 

I was really outraged, I did n't do anything wrong, I did exactly what the bank told me to do. Something that should have take less than five minutes is taking 4 days so far. I still do n't have my {$3700.00}, I reached out to Capital One via XXXX and again I got the same response, 10 business days. After some complaining on XXXX I got the time down to 3 to 5 business days. 

This is unacceptable, that money is mine. How I 'm I suppose to pay my bills, the only reason I drove to that branch was to get my money immediately. What if that money is to pay for a medical bill? Or to pay for my rent? car payment? What would happen if my account was overdrawn for 10 business days, how much would I have to pay in fees too the bank? 

Regardless of the use I give to MY money, it is the year XX/XX/XXXX not XX/XX/XXXX. Why something so simple ca n't be fix by the bank, when there is even a witness from the own bank who saw I was n't given any money.