davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: CITIBANK, N.A. (GA)

I have contact all three major reporting credit bureaus and the company reporting the account advising the account and information reported is in violation of 15 U.S. Code 1679c. The account has been disputed numerous of times and has not been removed from my credit report. This company reporting the account is being unfair and attacking my livelihood. It's a defamation of my character and violate the retention of compliance records for age of reporting. The close account should no longer be on my credit report according to the federal government code listed above.
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I got laid off last XX/XX/XXXX, I was not delinquent with Sallie Mae at that time. After I got laid off, with no unemployment monies, I got sick and almost died, I was in the ICU for a week. I gradually got my health back and found employment in XX/XX/XXXX but was terminated in XX/XX/XXXX due to something that was not in my control. I am currently not working, getting a little unemployment, just enough to pay my car payment and car insurance. I know this does not excuse me from my debt. I have been trying to work with Sallie Mae since XX/XX/XXXX. I had set up a auto-deduct payment, but that is when I got terminated and had to cancel my auto-deduct. They have been very hard to work with since. We spoke with their loan people about the ability to pay and my payment before I got laid off in XX/XX/XXXX was under {$200.00}, now it is over {$300.00}. I told them I could not pay that nor could my mother, cosigner of the loan. When I spoke with a Sallie Mae rep XX/XX/XXXX, she hung up on me when I told her I was making around {$400.00} every 2 weeks on unemployment and could pay nothing that day. I have spoken with a rep since the beginning of XX/XX/XXXX and she stated she could take a {$100.00} but that my payments would then be over {$300.00} and again I stated I was not working and that there was no money. She was sorry she couldn't defer/forebear. A XXXX XXXX (? ) has been calling and leaving threatening messages and stating that I have not contacted Sallie Mae when in fact you can see that I have. We have written 4 letters to them asking for forbearance/deferment and asking for something in writing and yet they continue to call and put nothing in writing for us. I would like for them to either put my account in forbearance/deferment or lower my payment to where it was before so that I can make the payment.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (CO)

I originally had a loan with XXXX which was sold to SST. Part of that loan was a savings account that shouldve been returned to me when the loan was paid off. The loan was paid off XX/XX/2023 in the amount of {$1400.00}. The payment cleared my checking account the next day on XX/XX/XXXX. Ive been unable to get a specific date that my {$2500.00} savings account will be returned to my checking account. I have sent several messages and called both SST and XXXX with no result.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

XXXX money or cryptocurrency in my Coinbase account for a transaction already reversed by bank. 
On XX/XX/21 a {$3700.00} deposit which was meant to be a withdraw. 
XX/XX/21 a {$790.00} deposit which was meant to be a withdraw. 

Both were stopped by bank. But Coinbase is saying i owe them this money. 
Account is disabled as well.
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Emergent Business Group, Inc. (FL)

Today my wife received a call from a man " XXXX '' on what he said was a recorded line. He called her at her job. He stated to her that he was calling in regards to a debt I owed of {$7000.00}. When she proceeded to tell him that she would let me know that he called and I would call him back he stated to her " that she was just as responsible for this loan since I am his wife '' she again repeated to him that she would give me the message and please not call her again at work and he said " I can call you where ever I want '' " why wont you talk to me about his debt '' " you need to resolve this debt '' " you live in a state where you are just as responsible '' when she said I don't know about this he said " yes you do '' He then proceeded to tell her " I have already contacted our landlord and I am aware of the assets you own in our home and that I have pictures of our 2 black cars in the driveway ''. He stated that if she does not speak to him about this debit he would be coming next week to seize our assets and that would include both cars, any jewelry she owned and TVs and furniture and also our payroll. She began to tell him that we still had loans on our cars and he said " no you don't, you own a XXXX XXXX its not worth that much and what did you do take out a 20 year loan? '' I few months ago he called threatening the same thing,. now the only difference is today that he stated he has taken pictures of our cars in the driveway. We have asked him to send us documents of this alleged debt in the mail on prior conversations but his response is " i am not going to do that because all you will do is state it was lost in the mail '' This is very threatening to my family and I don't accept the fact that we are being harassed and threatened and feel that a man is showing up at my home where my family sleeps taking pictures of my cars and him stating he will coming inside to take my assets. Another big concern for me is that he calls my wife and begins to give her all details of this alleged loan. The last time she spoke with him she stated to him that why was he giving details on a loan that was not even hers and he stated because it was owed debt he could give out information to anyone he called to try and collect. Does this mean he is giving the information to my landlord when he calls his to " find out about what assets i might have in the home ''?
Consumer complaint received 2023-03-10
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 (CA)

On XX/XX/23 I purchased 4 XXXX concert tickets my credit card by Navy Federal ending in XXXX. A few days later on XX/XX/23 I believe another charge for tickets for the XXXX concert shows up again on my card ending in XXXX
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MN)

My oldest email dates back to XX/XX/XXXX. I applied for a refinance with my current lender. By XX/XX/XXXX I had all my documents sent in and signed everything requested with XXXX XXXX. I also paid {$350.00} for and appraisal and an appraiser was going to contact me. Case was then sent to XXXX XXXX for processing. I set up appointment for immediately after my vacation ( XXXX ) XX/XX/XXXX. While gone I got an email saying I needed to sign a transfer, which I did on XX/XX/XXXX. On XX/XX/XXXX appraiser canceled appointment saying it was canceled from Freedom Mortgage. I have been sending 2-3 emails a week since then and get no information or replies from XXXX, and minimal from XXXX. On XX/XX/XXXX XXXX said he had my file escalated as requested and an appraisal is now ordered. I emailed again XX/XX/XXXX when I didnt get called by appraiser for new appraisal. I finally called appraiser XX/XX/XXXX and they said they dont have any orders for my property. That leads me to today, I dont have any clue whats going on with my account, and believe I am now being lied to. Not sure about my {$350.00} as it hasnt been refunded or have anyone coming to appraise property. By now Im sure all my paperwork needs resubmission and not sure about my locked rate. I cant get any replies from either of them and have started emailing outside sources.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 2021-07-20
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: SLM CORPORATION (NY)

Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : Sallie Mae on XX/XX/2021 and XXXX XXXX on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.
Consumer complaint received 2021-07-20
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Gift Card has a {$75.00} balance that has never been used - card says valid thru XX/XX/22. Attempted to get a new card reissued, as this card was prepaid, and never used.
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

A Qualified Written Request was sent to the loan management company, pursuant to the Real Estate Settlement and Procedures Act, Section 2605 ( e ), via USPS certified mail, on XX/XX/2022. This request has not been responded to so far.
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I have been trying to verify a debt claimed to be owed to XXXX XXXX XXXX that is being collected by I.C. Systems, INC. I have sent I.C. Systems, INC multiple certified letters trying to dispute this debt, and I have yet to receive a response for the requested information. 

I contacted I.C. Systems, INC today in order to get the account number and was told by a representative of I.C. Systems, INC that they are not required to respond to disputes. 

I additionally have asked I.C. Systems, INC why the debt listed on my credit report is showing an account number that they can not find within their systems at all, but was told that they have no idea why that account number is showing and that they have no idea of how to rectify it.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (OH)

I had an insurance policy with progressive that was on a prepayment system. I cancelled this policy before the start of the next billing cycle however I was billed for an additional month. I was able to settle this with progressive however a debt collection agency began reporting this as a past due debt. I tried disputing this with the debt collection agency however they didn't respond.
Consumer complaint received 2020-11-06
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2018-12-27
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. (MD)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2019 TransUnion LLC sent me a letter requesting additional information needed to complete the accurate credit information they say that I was given a free annual credit report from TransUnion already within the past twelve month. So now they're expecting me to call them and pay {$11.00} to get another credit report I have fraud alerts extended fraud alert security freezes credit alerts credit freezes promotional opt outs recently get was denied credit credit was denied and I should get a free copy of my credit report for accuracy to check it I don't know why they won't work with me I am filing this complaint with cfpb to engage with them to get a reasonable outcome.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report and noticed that there are several inaccuracies for XXXX XXXX XXXX XXXX  XXXX Credit Card. This is causing harm to my credit profile and causing financial harm as it affects the overall interest i pay on recent and future lines of credit. 

The debt is being reported twice on my credit report from both XXXX XXXX XXXX XXXX  XXXX and by XXXX XXXX XXXX. The debt should not be reported twice. 

The second inaccuracy is that there is no balance owed to either creditor. The balance was settled and there is a balance owed. XXXX XXXX XXXX assured me that the debt would be removed permanently from my credit report. I would request that the most recent phone call be pulled from XXXX XXXX XXXX and hear the representative ensure that the debt would be deleted. The phone number I would have called in from is XXXX.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.
Consumer complaint received 2023-03-02
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. (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE OR PURPOSE
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX credit card with XXXX XXXX  changing to XXXX XXXX credit card. My due date is XXXX each month. Upon paying for XX/XX/XXXX which is the day I get ssi. Their site was down XXXX  and XXXX, I tried calling them and no contact number worked. Including for XXXX XXXX car number. They charging late payment and and outrage interest rate in the 30 percent range. I would not have joined if I knew that the card is not XXXX. At the present there is still no way go contact them, other than online mail which I did. Now I am finding lots of consumer abuse and ignoring members. Please help. Thank you.
Consumer complaint received 2022-07-18
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX XXXX solicited me an offer for a XXXX  one capital one card, there was a promotional over if you spent XXXX in a 90 days period you got XXXX dollar reward, or spend XXXX in a period of time you got XXXX, I qualified for the XXXX, was given the card at a XXXX credit limit, I intentionally spent XXXX on the card called in to see when my XXXX reward would come, none of the customer service agents seem to know anything about the program they referred it over to the rewards program they investigated and then called me told me that I didn't qualify for the program I tried to explain to them that no I was qualified for the program I signed up for that particular rewards program and was given paperwork supporting that the lady was extremely rude when it allow me to speak to a supervisor make a long story short I ended up hanging up calling back was on the phone for over an hour and a half finally they found that I did qualify I have this on recording and I was told that when my next statement came out that I would be rewarded XXXX dollars, and she noted it in the account that I had just reached my XXXX mark and that's why the first lady said I didn't qualify, here I am past the 3-month mark I've called in several times customer service acknowledges that they see the note in my account and it sure me that it should be applied at some point after the 90-days.XXXX XXXX is still offering the same reward perks online now. The only reason why I applied for the XXXX  card was for that reward program that's what caught my eye the only reason why out of my for credit cards I put {$500.00} on that card during XXXX time was for the XXXX reward, they are offering promotions and not following through with what they offer that is misleading and wrong.ive had to call in numerous times and spent alot of hours dealing with this on the phone the rewards department will not acknowledge it but yet supervisors in the customer service department and other departments to recognize it have noted in my account I want what was offered to me and what I qualified for I have paid off all of my capital one cards and prepared to close all of the accounts over this matter I refuse to use any of my capital one credit cards until this matter is concluded