davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One offers the option to transfer your rewards points to one of their XXXX XXXX. However, when you are logged into your account to complete the transfer, they do not let you without using XXXX authentication. The only option to use is to have them check your name against the name on your cell phone account to receive a code. If your phone account is not in your name, then you are out of luck they say. I was told I would need to go open a whole new cell phone account and plan in my name to be able to access and transfer the rewards points I earned through spending. My business pays for my cell phone service, so my number is registered to them. Lots of people have family plans and may have a parent or partner that the plan is registered to. So, Capital One is saying because the line isn't registered to my name, they are unable to verify my identity and let me use my reward points that I earned through spending. They offer no other way to use XXXX authentication other than this method for converting rewards. However, when accessing other areas of the website allow you to use mobile app verification as well as sending you a code via text. So, I am not quite sure why they can not send the code via text to login and convert rewards. They say it is for account security, but it is less secure to access my account then transfer rewards? They are false advertising their product and pulling consumers in to spend money to gain these rewards, but are not giving us what was promised when we signed up.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I applied for XXXX credit card XXXX. This card is issued by synchrony bank pursuant toicence from XXXX XXXX XXXX. 
I received a letter informing about denial with reason : request has identity theft risk factors. 
I tried to contact Synchrony bank as well as XXXX to check if there was some error and can I reapply. 
XXXX says contact XXXX XXXX Synchrony bank doesn't know why XXXX app is not allowing to reapply even after 30 days of last application. 
I think it is unfair to deny credit application without proper justification.. also reapply option is not working. It says application already denied
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is my second time making a complaint about Bank Of America. 

Can someone look at the previous complaint it is all the same exact informtion. Today a Bank of America associate called me about my case stating that it was imnpossible for me to be in the situation that I am in. She adivised me that my story was not authentic. She kept referring to things that happen in the past and not that occured on the exact day and time that this incident took place. I would like some one to look thru my case and actually resolved this matter instead of just skimming thru this case. 

PREVIOUS CASE COMPLAINT ID XXXX
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OR)

On XX/XX/XXXX, I received a letter from Aidvantage saying I needed to start repayment on my {$9200.00} student loans on XXXX XXXX. I paid off my three loans for a total of {$9200.00} on XX/XX/XXXX. Aidvantage has no history of my loan payment as the loans were paid off when my loans were serviced by XXXX. Aidvantage is now saying I need to produce bank statements proving the payments had been made. I can not access XXXX  to show proof of payment as that website no longer exists. Studentaid.gov shows that one payment of {$9200.00} has been made but I still owe another {$9200.00}. I never took out {$18000.00}.
Consumer complaint received 2023-11-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AA Recovery Solutions, Inc. (WI)

I requested proof of debt. I was sent a letter from the company saying what I owed and the original company name, not a copy of the contract. They also threatened to sue me for the following : Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 

XXXX XXXX XXXX XXXX HAS STATED FOLLOWING ALLEGATIONS AGAINST YOU AS BELOW : ( 1 ) Violation of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft by Deception They also contacted several people in one day stating they are coming to my house or place of employment.

To include a minor child was left this information.

I was not informed that the debt was moved to a debt collector. The debt collector contacted me two years after the last communication from the original creditor.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc. (CT)

NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently filed a complaint on XX/XX/XXXX against TransUnion regarding incorrect information showing on my credit report. 

TransUnion has closed my complaint stating that they verified account information that was NOT even related to my complaint submitted on XXXX/XXXX/XXXX. 

TransUnion is currently reporting a closed charged off account as OPEN and is currently showing a late payment status. I have disputed this incorrect information many times without resolving the issue. 

I DO NOT HAVE A CURRENT CAR LOAN!! 

This intentional violation of the FCRA has prevented me from obtaining a new car loan and other credit opportunities. 

I do not currently have an open car loan with XXXX XXXX XXXX. XXXX closed the account on XX/XX/XXXX. 

TransUnion is also reporting accounts older than 7 years on my credit report. 

By law, I am submitting this complaint as directed by a law firm. 

Thank you
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I received a new Citi XXXX credit card with a credit limit of {$7300.00}. I'm going on a trip to XXXX and have booked XXXX accommodations there. I wanted to pay the balances due on all three and was successful with 2 of them. When I tried to pay for the third one it was declined. The amount was {$1000.00} Swiss francs. MY 2 previous charges on XX/XX/XXXX were for {$530.00} and {$700.00}. So there was enough credit for the third charge. I notified the company that my card was being declined and told them what the rental place said. 

Here 's their email - " Hello XXXX, I hope you are well. Here in XXXX it is not allowed by XXXX XXXX to charge any Credit Cards with numbers given over the phone. I checked the payment history and the good thing is that the card number is changed in our system. However, we where informed by our credit card company that the payment attempt of XXXX for your reservation was declined by your bank CITIBANK XXXX There can be many reasons why a bank declines a transaction. It can be anything from an error in the card details entered into our website, or the address not matching the card account billing address, to the bank 's anti-fraud security system automatically declining the payment because it is a foreign or unusual transaction. It may also be that you did not complete the 3D Secure ( 3DS ) authorization step to verify your identity as the owner of the credit card by entering an authentication code. In most cases, this is a single-use security code sent by SMS to a mobile phone ( see below for further information about 3DS ). Your bank does not give us any further details. So you will need to contact your bank to resolve the issue and to have them authorize the payment to avoid another declined transaction. Then contact me so that the payment can be re-attempted. You can add an alternative credit card to the booking via our secure website if you prefer. But we would still recommend obtaining prior authorization from the card issuer to avoid another declined transaction. 

Kind regards, XXXX XXXX. The 3D Secure ( 3DS ) payment authorization system should be available through all banks and credit card providers under the following name ( s ) : Mastercard Identity Check / SecureCode Please contact your bank for further information or if you need to check if 3D Secure ( 3DS ) is activated on your credit card account.

When I called Citi and read them the email they worked with me for about 2 hours with numerous attempts to resolve the issue. They could not and said they don't know what to do now. The card should work, but it doesn't. I'd like to pay this company with this credit card and would like SOMEONE at Citi to take ownership and resolve the issue.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Renton Collections Inc. (WA)

They have repeatedly contacted me at work and home at all hours. They have used abusive language and threats. The numbers they have been calling from I had to do a XXXX search to find out who they are. I have no written communications from them and When I ask who they are they tell me I don't need to know.
Consumer complaint received 2023-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I begin to get garnished for {$170.00} every two weeks for 2 years starting in XXXX based on what Navient told me. I filed Bankruptcy in the year of XXXX and the private student loans was and still on my credit report. Please assist because I feel I need that money refunded to me.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a rebuttal to XXXX  response to : Complaint # XXXX : I appreciate the extensions that XXXX gave XXXX in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over 30 days past due. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX XXXX  days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this XXXX time and remove the XXXX XXXX  payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NC)

Telephone calls with varying stories of what may have happened and several times they have hung up. E-mails and certified letter to XXXX. and various customer service XXXX XXXX XXXX ( the latest was XX/XX/XXXX ) - no response. Trying to resolve for the past 8 months. Ten months of copies of cancelled checks e-mailed to customer service ( XX/XX/XXXX ). No response. XXXX has sent late payment notification and penalties, and XXXX has also notified credit bureaus of late payment. 
These people have extremely poor customer service and accounting. Are rude and abusive. Sometimes they refuse to give a customer service identification for my file.
Consumer complaint received 2023-03-28
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (PA)

I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. 

There is no signature on a paper that I agreed to a variable interest rate. They failed to provide any form that includes a rate with a signature. 

This clearly a case of bait and switch. I agreed to a fixed rate, they assigned a variable rate after the loan signature. 

Thank You for looking into this issue.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of XXXX  to the credit bureau for our XX/XX/2023 mortgage payment to Carrington Mortgage Services , LLC . 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the Carrington payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs.

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts.

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of XXXX  credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.
Consumer complaint received 2022-12-08
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. (SC)

There is an unknown name on my credit report, my name is XXXX XXXX and I never used the name XXXX XXXX XXXX. Neither have I ever used the address XXXX XXXX XXXX XXXX, GA XXXX