davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I consolidated my student loans in XX/XX/XXXX in order to qualify for student loan forgiveness. As of XX/XX/XXXX. All of my student loans were consolidated under one company as has since been updated to my credit report under the new student loan company. I contacted American Education Services XX/XX/XXXX in reference to the loans that remain open on my credit report that is currently showing opened that are consolidated with another company. The representative for the company advised me to call back on XX/XX/XXXX to receive an update for thr removal of this information from my credit report. I was advised to make a complaint to get this errors from my credit report. I have also been advised by American Education Services that my my student loans are no longer with the company and the balance is XXXX however the balance is still listed on my credit report. I believe I should not have to file a complaint in order for this company to remove these accounts in order for my credit report to be updated. I am requesting the accounts listed on my credit report be closed and defrom my credit report.
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (NC)

I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MN)

I recently ran my credit report and found a collection item on it from convergent outsourcing in the amount of ~ {$400.00}. They said it was from XXXX, however, I currently have my cell phone account with XXXX and have had the same accoutn since 1997. I called XXXX and they said my account is current and they show not past due debts that are owed. I want Convergent to remove this from my credit report and leave me alone.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (ID)

Noticed a fraudulent charge on my account on XXXX/XXXX/2015 for a charge on XXXX/XXXX/15 for an amount of {$260.00} thus increasing our monthly minimum amount. This minimum amount would not have increased if there was not this fraudulent charge, and now the credit card company Walmart will not reduce the difference of the minimum amount that is in arrears do this fraudulent charge. And now also wants to penalize us for the next six months of a higher minimum due to the supposed missed minimum payments made during XXXX and XXXX and XXXX which since we had not been using the credit card was unaware that the minimum payment amount had gone up. I want this minimum amount difference due to the fraud charges to be refunded. Because we were making the minimum payment. it only changed due to this fraudulent charge.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

incorporate prior case numbers by reference : XXXX & XXXX We, as the consumer, are still trying to seek information from Truist. Specifically, if we, as I previously tried to obtain, had the information regarding the time of the transactions and the location of the vendor where the fraud was committed, we could, for example, file a police report in XXXX, SC. Truist refuses to complete a " reasonable investigation '' into the fraud committed on our credit card ( specific charges specifically identified in prior case numbers ). We did not make these charges. 

Additionally, we went into a local branch of Truist bank to try and obtain the aforementioned information, and which card was specifically used for each transaction, and they said a representative would contact me and that has not happened. Our online account showed the transactions for both card. The online banking does not differentiate b/t the XXXX cards. 

With kind regards, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

On XX/XX/2023 I initiated a consumer credit transaction with CITI/COSTCO using my credit card. A couple days later I received and adverse action letter that was unfavorable for me, the consumer, and received no benefit. I was uninformed about the use of credit and i was subjected to inaccurate and unfair credit card practices. Consumer reporting agency was used in whole or in part without respect of my right to privacy. I was unlawfully discriminated against while exercising, in good faith, my rights.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX, I spoke to you months ago in regards to the POOR customer service provided by Capital One. After speaking to you, I was hoping that the customer service would have improved, however, it has not. I discussed with you and requested numerous phone calls from your colleagues as well. I guess they feel they're too important to call consumers that contributes their high interest rate payments to the generous salaries that you guys make. I recently applied for a SPARK business credit card. After receiving an email from Capital One stating that I was approved for the BIG XXXX credit limit, I contacted Capital One and spoke to a supervisor to obatin an update on the card. Initially, I was informed by the supervisor that he could not see where I was approved. After explaining over and over that I had received an email, he then told me that he had found the approval. The supervisor then informed me ( 2 weeks ago ) that the card would be out to be in about 7 days and was being mailed. After not receiving the card yet, I contacted Capital one today and was told that the card has not been mailed. As your fellow colleagues consistently provides poor customer service, there seems to be a MAJOR training issue. Correspondence has once again been sent to the CFPB. I also want to discuss my bad experiences with Capital One with the media and also the non-employee governing body of a Capital One. This company is a JOKE. I will inform other consumers and entrepreneurs not do business with this horrible company. After speaking to you, I could tell that you did not have interest in my concerns. What a JOKE, Capital one.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NH)

I noticed today that the address on my account was entirely unfamiliar. Going back through previous statements shows the change occurred halfway through XX/XX/2022. When I contacted the company they state the USPS sent a letter informing them of this change of address ; the problem is the address listed was never associated with me. My concern is this : How is a credit card company allowed to update my information without my permission? As far as I am concerned both my credit card company ( Citi ) and the USPS are at fault for sending my personal information to an unknown address. This is a major breach of privacy and as far as I can tell it led to my information being stolen and used for around {$1200.00} worth of fraudulent charges.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited a check of {$1200.00} my friend wrote me in on Tuesday XX/XX/XXXX, and the friend who wrote me the check told me there's something wrong with her account so she has to placed a stopped payment check on the check she wrote me, and right after she told me that I called Capital one to let them know and to see if there's anything they can do to cancel the check i deposited in and the agent lady told me it's not the problem and she can't cancel the check that it been pending already but she told me not to worry since my friend has place a stop payment on her end so it's not going to effect on my account until today my card got declined on XX/XX/XXXX, and I saw Capital One placed a permanently restriction on my account so I called them right away to explained the situation and they asked my friend 's number and Capital one gave them a called to confirm the situation and to confirm if my friend is the one who wrote me the check, and right after they confirm it they told me they can't removed the restriction because they didn't see any note put in my account about i called in on XX/XX/XXXX about the bad check situation and the restriction it's permanently. But I did called in and I still have a calling history on my phone but just that lady didn't put any note in my account.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted numerous disputes to Experian to no avail to remove accounts that do not belong to me. They are in violation of the FCRA. It is at this time that I will point out that in XXXX XXXX XXXXn, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I have my mortgage with PennyMac, I think that they bought my mortgage from the original lender I'm not sure, anyway when i first received my payment letter i went on lenders website and set up auto pay, after a year or so i guess the escrow amount changed to an additional XXXX XXXX at this point PennyMack was sending my mortgage payment to the balance and telling me i missed a payment! so after i called in and complainer they applied payment and i gave them my checking info and they fixed it temporarily, i told them i was on auto pat they said i was not, they told me that my bank should fix this, so i went to the bank and they said i did not have any auto pay on my account and that PennyMac takes money out! I've been going back and forth for monthes and now they say that i missed a payment in XXXX and that i had to talk to another department and then was disconnected called PennyMack back and was hung up on? The gentlemen was very rude and had no empathy for my situation before abruptly disconnecting call. Now my credit rating is being affected
Consumer complaint received 2023-03-20
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: Eastern Account Systems of Connecticut, Inc. (SC)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose  In Accordance with the fair credit reporting act XXXX account # 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (OK)

The company approved for loan amount of XXXX in XX/XX/2019 first installment due date XX/XX/2019. I was verbally set up through customer service to have my savings account to make automatic payment monthly to also save in interest rate at 25 % verses 27.99 % Due to the monthly auto pay. On Monday XX/XX/XXXX I checked with my savings no withdraw had been made. I called Marcus Sach and they said there must have been and error when setting up the payment, Why did I receive the loan it was deposited with no problem they said they would arrange again to fix the problem On Tuesday it still was not fixed, I called again and they again said it was fixed. Wednesday no payment still I again spoke with this time a manager and he said to check with my bank the bank indicated there had been no attempt from them to withdrawal. On this day I made a one time  transaction to pay over the phone so it was successful. The interest rate is 5 % daily after the site date as these fees will fall at the end of the loan. It was not my fault as the agreement at the beginning also to get a cheaper interest having set up on monthly auto pay. I think that this was purposely done and may have happened to other consumers, I feel it is a scam and illegal.
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

My loan was with Ditech. I became unemployed and missed payments, they kept chatging me field rep fees. I argued about this, sold furniture from my house and borrowed from a friend to bring current. They charged more fees. Then did yearly assessment in XX/XX/XXXX and raised my house payment. Then sold my loan to XXXX who did another yearly escrow assessment and raised my house payment again. I just got a job making significantly less than before. Ditech didnt apply payments right and chrg fees. I cant get proof of this because they have blocked me from my online acess since loan sold. XXXX is just as bad, uneilling to help, told me if i dont pay new amount ill lose my house and not their problem i cant afford things. I never was late on house payment till XX/XX/2018. Now im getting charged more fees from this new company and it seems like they are wanting me to lose my house. I signed the petition against ditech on lawsuit, after i did is when my loan went to XXXX and they are worse. I dont know what else to do.
Consumer complaint received 2019-09-23
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. (NY)

In XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via LVNV. I requested verification and substantiation from XXXX in XXXX and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. Transunion and XXXX have both broken the law and need to have this alleged account deleted from my credit report.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I've signed up for this account with the promise of a high APY of XXXX. My money stayed there for 6 months and I receive 0.5 % interest for all this time. Tried to contact them, and I was told they would deposit the correct interest but they didn't again. No explanations at all. Looks like it is a scam and I see other complaints about the same problem
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DC)

APR rates 23.49 % are unreasonable, too high, I am requesting well Fargo to lower the APR rates of 23.49 % by 35 % reasons as follows I am a wheelchair bound, physically impaired senior citizen, and XXXX recipient on low fixed income, APR rates of 23.49 % is beyond my budget.. 

I should not have to sacrifice my human needs to pay these unreasonable interest rates Removal of late fee charged XX/XX/2023 I was charged a late fee of {$29.00} on XX/XX/2023 I have never been late on payment for the past seven years!

I am disputing the balances {$2800.00} subjected to high interest rates of 23.49 % are incorrect, I have no access to my credit card statements beyond two years, I believe this balance of {$2800.00} which is subjected to high interest rates of 23.49 % is exaggerated by Wells Fargo Min payment of {$110.00} The min payment of {$110.00} is beyond my XXXX fixed income
Consumer complaint received 2023-03-20
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: Neon Newco Corporation (AL)

DISPUTED CLAIMS Unauthorized Claim ID : XXXX Claim Closed Claim Received XX/XX/23 Under Investigation XX/XX/23 date reported Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX XX/XX/23 - {$39.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX CXXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : XXXX purchase from XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$17.00}
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (MT)

This is a copy of the letter I sent to " CoreLogic Credco '' CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX Previous Home Address XXXX XXXX XXXX  XXXX, Vermont XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " CoreLogic Credco '' never responded or complied with my request. I will send them the letter again via certified mail.
Consumer complaint received 2019-07-05
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. (OH)

Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX   XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX/XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXXXXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX XXXX : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX 2 ) XXXX XXXX : opened XX/XX/XXXX
Consumer complaint received 2019-07-05
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)

Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX XXXX/XXXX : {$310.00} opened XX/XX/XXXX XXXX ) XXXX XXXX/XXXX XXXX XXXX : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX/XXXX XXXX XXXX : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX/XXXX XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXX/XXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX XXXX ) XXXX XXXX : opened XX/XX/XXXX
Consumer complaint received 2019-07-05
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. (GA)

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are inquiries on there that I dont know where they come from please remove them as well 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 XXXXXXXX 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 I have reached out to FTC and my local police department and I am doing this on my own behalf.