davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Reward points of over {$300.00} were supposed to be redeemable around the beginning of XX/XX/2019 however when I attempted to redeem them, I was told some members are allowed to redeem their points but others are not and it will take up to 60 days to review my membership to confirm whether or not my reward points are redeemable. 
Ive had this card for several years with no trouble redeeming points but they also told me, they have made a few changes.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files., I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

i was XXXX up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from XX/XX/XXXX and XX/XX/XXXX that are not me due to me being XXXX and this can be proven as far as my whereabouts theres cap one XXXX XXXX XXXX XXXX cap one XXXX cap one XXXX cap one XXXX i even see some recent from capital one that i did not do therefore im placing a security freeze due to whomever still having my info a cap one XXXX a cap one XXXX a cap one XXXX
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I keep receiving calls from the debt collection agency. I don't know what it is I owe, when I answered the phone, no one would say anything. The robo calls just kept coming. Then they started calling and asking for me at my job! It had gotten to the point where they were verbally abusing my coworkers. I eventually lost the that job. Now I have a new cell number and they found it, eventhough it was supposed to be non-public and the calls continue. This debt is not on my credit report, I have not received anything in writing.. just this calls. They started using different phone numbers. They first called from XXXX numbers, then XXXX numbers then XXXX numbers.. all numbers in my surrounding area code
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NJ)

In XX/XX/XXXX I hired a XXXX XXXX XXXX  from XXXX, NJ to perform work in my basement, with an install date of XX/XX/XXXX. The company failed to complete the job and left the worksite in progress. After 5 weeks of work, of which the job was originally a 1-2 day estimate, the job remained incomplete. On XX/XX/XXXX XXXX XXXX XXXX  then charged my VISA credit card for {$5900.00}, which was the price to be paid upon completion of the job per the contract we agreed to ( attached ), however the job was not complete and authorization to charge was not provided. The company had my VISA information from the initial 10 % down payment that occured months prior in XX/XX/XXXX. On XX/XX/XXXX I filed a dispute on the charge with my financial institution, Navy Federal Credit Union, however refusing to refund the unauthorized transaction.
Consumer complaint received 2022-09-16
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (GA)

Since OCWEN.PHH is saying we do not have mortgage fraud we are demanding the amount paid to them from the mortgage protection insurance and why was the lis pendens not paid? THE XXXX XXXX WAS PUT IN PLACE BECAUSE WE KNEW THERE WERE GOING TO BE LIES AND EVERYONE WAS GOING TO ATTEMPT TO COVER THEIR BUTTS.NOT THIS TIME WE HAVE TOOOOO MUCH EVIDENCE ON OCWEN/PHH/ We have a right to the information since OCWEN.PHH said we defaulted!. Please do not send a XXXX explanation. We are highly versed pertaining to these areas. 

Also, we do have even more additional proof we have mortgage fraud and the straw buyers, Given the lies OCWEN.PHH has told and the altering of documents such as lifting our signatures THEY WILL NOT get our evidence, AND XXXX ; T THINK ABOUT PUTTING ADDITIONAL HITS OUT ON MYSELF, WIFE OR ANY ADDITIONAL FAMILY MEMBERS. XXXX XXXX, XXXX XXXX AND THE STATE OF GA HAVE ATTEMPTED TO TAKE US OUT A TOTAL OF 8 TIMES. DON'T THINK WE ARE AFRAID. NOT! XXXX XXXX XXXX 

GIVEN THE LEAD COUNSEL IS BASICALLY LIVING OFF OF XXXX XXXX AND XXXX XXXX, THE LEAD COUNSEL WAS ASSIGNED TO PHH TO MAKE US THING SOMEONE IS ATTEMPTING TO BE ETHICAL. PLEASE!!! THEY ARE SO DESPERATE THEY WOULD COMPROMISE ANYONE TO PERFORM ANY LEVEL OF DIRTY WORK REQUIRED! GIVEN THE LEAD FOR THIS CASE CAME FROM XXXX XXXX WE ALREADY KNOW ETHICS ARE NOT EVEN IN THE VOCABULARY,
Consumer complaint received 2019-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

On XX/XX/2019 I stopped at an ATM machine outside a bank branch in a grocery store to make a deposit for {$1800.00}. The deposit contained a combination of checks and cash. After the machine received the cash it opened the sliding door to receive the checks and in the process of scanning them the machine froze. I waited by the machine until the screen changed and asked me the total amount of the deposit I was trying to make where I entered {$1800.00} and a receipt printed out detailing the error and instructing me to call the bank to file a claim. I filed this claim while standing in front of the ATM and detailed the deposit as best I could. After not hearing anything from the bank for 10 days I called to follow up since I had to borrow money to cover my bills and the interest was adding up. I was told it could take up to XX/XX/XXXX before I heard anything. Then on XX/XX/XXXX I checked my online banking and see a deposit for {$1800.00}, so I thought it was all done. However, this morning ( XX/XX/2019 ) I received a letter from USBank stating they have completed their investigation and my {$1800.00} deposit was being reduced by {$1100.00} and the debit would be made today XX/XX/2019. I called the bank again since the letter said I could get copies of any of the documentation used in the investigation and was told there was no documentation on my file, and the banker wasn't sure how that amount was derived. I was then told I could create a new claim which could take up to 45 days! At a loss I had them start a new claim and in the process was told to contact the bank branch manager since they may have more of the ATM information, or could possibly have the documentation referenced in the letter I received. After I finished the call with the banker I contacted the branch location and found that the manager has been out on vacation and the ATM machine is due to be counted tomorrow and has not been counted since my initial deposit date of XX/XX/2019. Meaning the bank hasn't even looked in the ATM to reconcile my deposit, but has decided my deposit was short {$1100.00} dollars causing me to have to borrow money and pay interest on that borrowed money from XX/XX/XXXX to the XXXX, and now again with no notice at all will pull the {$1100.00} from my account forcing me to pay interest on a credit line until the next investigation is completed. At this point I have no idea if my deposit is actually being counted or if the bank is just making up totals to see what I will accept as a loss. Meanwhile I'm paying interest on borrowed money while I wait for the next 'investigation ' which may or may not include actually looking inside the ATM to see if the cash and checks are there and adding it all up.
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2019-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (NV)

The car dealership XXXX XXXX XXXX XXXX submitted fraud on my credit application to get me approved with Hyundai Motor Finance. The 2 page credit application they submitted to Hyundai Motor Finance was re done. The credit application that I signed showed XXXX month SSI. They reported a income of XXXX which was fraud. I dont get but XXXX a month. How did they show proof of this XXXX to Hyundai? We have contacted a attorney and will be filing a lawsuit against all parties involved that caused me hardship in the result of having a XXXX. I'm a XXXX injury individual that is a result of a XXXX injury in 1998 .I have been on SSI for almost 3 decades and all I get is XXXX but I have a over payment which my check is XXXX. I didn't go to the dealership looking for a car. I was there with my sister. She was looking for a car. She got denied with XXXX mo. Income. The salesman asked me if I need a car. I said I do but my credit is only a XXXX and I dont get but XXXX a month SSI he said you never know. He took a application on me. Sent me home to get a bank statement and proof of income and a bill. When I returned he said I was approved for a brand new car. My first words were how? He said relax you are approved. This contract is voidable and fraudulent. The dealership put me in predatory loan. Knowing I wouldn't be able to afford the vehicle causing me financial hardship. I went out and got a job to keep the car payments current and on my 3rd day of work I had a XXXX. Stressing about losing the car. I want Hyundai Motor Finance to thoroughly investigate and remove this fraudulent account from all 3 credit bureaus. What XXXX XXXX did to me was unlawful, unethical. I do plan on suing all parties involved. And final where is the proof of the XXXX that the dealership fraudulent reported. Someone at Hyundai Motor Finance in Funding could of possibly assisted the dealership with this fraudulent loan. Because you do have to show pay stubs, letter of award from SSA and bank statements. Please see attached documents
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to submit a complaint the following information XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to 2 accounts ( XXXX opened XX/XX/XXXX ). 

During Covid-19 I suffered from a major hardship, I had a great death  in my family, and I lost my former XXXX, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed XXXX and a XXXX  of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship  payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (OH)

I was told about the company Premier Student Loan Center by my cousin who had spoken with a representative that told her he could get her student loans forgiven and that if she referred people to him she would get a {$25.00} gift card for each referral. I called the company and a representative told me he could get my loans reduced but he had to confirm that I qualified. I gave him all of my demographical information and verbal permission to access my loan information. He stated I owed {$81.00}, XXXX and if I stayed with XXXX I would end up paying {$160.00}, XXXX but if I went with his company he could get my loans reduced by {$69000.00} and only have to repay {$11000.00}. He stated I needed to authorize my automatic monthly debits and his company would get my loans forgiven. I was to make 5 payments of {$230.00} and the remaining payments of {$86.00} for 120 months and my loans would be paid in full. From XX/XX/XXXX to XX/XX/XXXX I made my required 5 payments and then I began to see monthly payments of {$40.00}. I thought nothing of it because I was making my payments. In XX/XX/XXXX I received an alert from XXXX XXXX that my loan balance was going up rather than down. I called XXXX and was told no payments had been made and that I had no payments due because this company had told the US Department of Education that I had no taxable income during XXXX. I was astonished and afraid all at the same time as this company had lied to the federal government and I could suffer the repercussions due to their negligence in providing false information. XXXX advised me to contact CFPB to file a complaint and seek financial resolution for the 12 months + payments I have made that never went anywhere towards my actual loans. To contact www.studentloans.gov to get my password reset. To contact my financial institution to stop the payments. So I contacted CFPB and was told to complete these preliminary steps to get the complaint filed.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (NY)

I was attempting to obtain a line of credit at XXXX XXXX and was denied, after going over my report. I've noticed a collection account that was open XX/XX/2019 reporting on my consumer report from Fidelity Creditor Services. Fidelity Creditor Services is alleging I owe their company a debit of XXXX. Ive requested for Fidelity to stop all reporting and validate debit.
Consumer complaint received 2019-04-03
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: AMERICAN EXPRESS COMPANY (NJ)

I have 4 hard inquiries on my credit report and that should be the right number, but its 8 of them on there with most of being American Express. I do not recognize those inquiries.
Consumer complaint received 2019-04-03
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: TD BANK US HOLDING COMPANY (CA)

Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX  XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. 

For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX  to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX   proof of the XXXX payment. 

After several calls between XXXX  and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX  took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. 

I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX  to again show the purchase was paid on my XXXX account, not via a XXXX  credit card. 

I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. 
If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. 

XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX