davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (GA)

All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!
Consumer complaint received 2018-08-28
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 (CO)

Capital One promotional check offering 0 % APR for 18 months transacted but the promotion was not honored. Check had expired but was allowed to post anyway on XX/XX/XXXX according to XXXX at Capital One. No proof of expiry was provided with the copy of the check XXXX after discussing the issue at length. The same promotion was offered throughout the year ending XX/XX/XXXX. Proof will be provided below. I was sent multiple bundles of checks offering this 0 % APR for 18 months promotion and they are attached below. The fifth phone call was made today ( XX/XX/XXXX ) with XXXX - XXXX at Capital One Executive Headquarters, and I told her that the federal government will judge this according to the proof I provide for this claim demonstrating the continued offer. Capital One has exhibited predatory lending in this case as well as fraudulent advertising and marketing to an excellent customer of over XXXX years with a high credit score.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During the XXXX year XXXX I was living with my XXXX  and XXXX XXXX  and I started to notice my credit score having weird charges and credit cards. For example I have a XXXX credit cards opened XXXX on XXXX XXXX, for a limit of {$500.00} and another capital one card Opened up on XX/XX/XXXX and Ive never even been to a capital one bank.
Consumer complaint received 2018-08-28
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: Experian Information Solutions Inc. (TN)

As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however XXXX and Experian still will not remove the public records from their file.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA (AR)

Student loans are showing up as Delinquent. I am a 100 % XXXX XXXX XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
Consumer complaint received 2022-06-17
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. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My home was threatening foreclosure so I filed bankruptcy. I am presently in bankruptcy because of a balloon note. When I first entered into my bankruptcy my payment was {$1100.00}. Then it went to {$760.00}, {$840.00}, {$860.00} and now it is scheduled to go up to {$880.00} in XXXX. I spoke with XXXX from my mortgage company Mr. Cooper about a modification. What I would like is a fixed rate. I don't know if this is a modification or not, I presently have a balloon note.
Consumer complaint received 2018-08-28
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 (AL)

Today, I find from XXXX XXXX that I have an inquiry from Capital One done me on XX/XX/XXXX XXXX. I have not authorize Capital One to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice XXXX  and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call XXXX  today and was told that I have to call Capital One and have it remove. They ( she ) would not even investigate. Therefore, the company ( XXXX ) is sent out incorrect information. She told me to call Capital One myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had account with Capital One for over 15 years, and I always paid my balance in full at the end of the month This year my family member was in the hospital and I missed the XX/XX/XXXX payment. Next month, my daughter promised to pay but forgot to do so, so there was a late fee and interest on the statement. I paid it all in full, and even pay extra, so the balance went to a negative number, however, at the end of the month I received another statement with more interest charge! When I called, the representative told me that it takes " few months '' to clear the interest even when the balance went back to 0. Is this even legal? He refused to cooperate and I had to go through the trouble of reassigning the automatic payments to a different card, and closed the account through the automatic system. However, I still believe that the extra interest shall be refunded to me.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX and TransUnion are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2018-08-28
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: EQUIFAX, INC. (TN)

As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however Equifax   and XXXX  still will not remove the public records from their file.
Consumer complaint received 2023-03-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (CO)

On XX/XX/23 at XXXX I contacted a debt collection company to discuss a {$330.00} balance I have with XXXX XXXX XXXX XXXX XXXX Before I contacted this debt company, I contacted my college. XXXX stated I should complete a tuition appeal form, since my issue is due to federal student loans coming in late, and they may be able to push the balance to be covered by financial aid awards. I was contacting Williams and Fudge to let them know what I was going to do about the outstanding debt. Again, I contacted them for help with a solution. The first representative was very rude and raised her voice at me. She told me what I was trying to do did not make sense, even though it is my right to dispute. She chastised me, said that I was going back and forth. I waited 10 minutes for a supervisor. She said " Well you didn't like what MY representative told you. '' Her representative? Clearly there are teams being played, and obviously I am not on theirs. I did not feel comfortable giving my address, so the supervisor said, " It's ok, you told me you received our letter, so we already have your information correct. '' She said it in a malicious threatening tone as if to say, fine don't give us your personal info, we already have it anyway! XXXX spoken with was XXXX or XXXX XXXX, told me she does not have an employee I.D . number
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BOEING EMPLOYEES CREDIT UNION (OR)

received an email this morning stating I opened an account with BECU. I called them and they couldn't give me any information because the information they used doesn't completely match mine. They won't even tell me if they are closing the account because the information used to create it doesn't match my REAL information.
Consumer complaint received 2018-08-28
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. (LA)

A collection company with an unknown date reported some payday loan or something that is not mine to Transunion, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and Transunion and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Consumer complaint received 2018-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted both TransUnion and XXXX to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( TransUnion ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX   XXXX ( via XXXX XXXX ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXXXXXX requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested on XX/XX/XXXX - XXXX  XXXX requested XX/XX/XXXX - XXXX   requested on XX/XX/XXXX - XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX  XXXX requested on XX/XX/XXXX
Consumer complaint received 2020-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was the lender for the first mortgage and HELOC. The account numbers are as follows : 1st mortgage # XXXX XXXX XXXX HELOC account # XXXX XXXX XXXX I discovered an error in the amount of {$81000.00} which was not credited to my HELOC account # XXXX, as previously agreed upon. 
I sent two notice of error letters to the bank in XXXX and XX/XX/2019. The bank did not respond or investigate the matter. Eventually, the bank sent a letter and declined to do anything. Please read the attached letter for specifics.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I have a mortgage whereas I and my ex-husband are on the mortgage and the note, however I received a Quit claim deed and am the only one on the title. My ex filed Bankruptcy in XX/XX/XXXX. I did not know until I contacted SLS to ask why I stopped getting statements. I have been paying the mortgage since then voluntarily even though they refused to send me any statements or notices. I recently found out that as of XX/XX/XXXX, I have rights as the Successor in Interest and have notified them of this. I have yet to receive anything. I mailed my mortgage payment to the addresses I have been sending it to for over a year on XX/XX/XXXX, and the payment was not cashed as of XX/XX/XXXX. I called SLS and asked if they received it and they said no, but provided no more information. I stop paid that check and mailed another on XX/XX/XXXX. I called today XX/XX/XXXX and asked why they had yet to cash this one, and after getting the run around was informed that the address in which I am to mail payments had changed 3 months prior and they were no longer forwarding any mail or payments! I had never been notified of this, which they could have told me on XX/XX/XXXX when I called the first time. Now I am late on my payment, of no fault of my own and have 2 checks floating out there. They also said the mailed me notification of next payment on XX/XX/XXXX and I have not received it either. I cost me {$60.00} to stop pay 2 checks and I do not feel like a business can stop forwarding their mail after only 2 months. What if I'd have been on vacation, or in the hospital. Is there not a law as to how long a financial institution must have their mail forwarded. And should they not have had to send me notification of the change since I am on the mortgage?
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is  not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, XXXX XXXX XXXX stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. XXXX XXXX Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
Consumer complaint received 2018-08-28
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. (SC)

My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
XXXX XXXX will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (AR)

They have called several times and when I answer they hang up, other times they say they need my full name and birth date and when I ask who they are they hang up. I called them to make them stop and give them proof I don't owe them anything and they refuse to take the information and start getting rude demanding additional personal information.
Consumer complaint received 2018-08-28
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. (HI)

TransUnion has the following information on my credit report and it is not correct : States I am know as XXXX  have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
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. (MO)

Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MI)

I have called Nelnet to get information but they have failed to communicate with me about income driven repayment plans. On top of that JOE Biden said he was cancelling student loans. Now the repayments are supposed to start back up. I worked all throughout the pandemic with hopes of my student loans being forgiven. Now I received an email saying it's time to start paying them back. I'm baffled as to how certain people were chosen to get their loans forgiven and others were so unlucky. 
I have called Nelnet to get information but they have failed to communicate with me about the income driven repayment plans. Also I read online that there was a scandal going on with the company. At this point I don't know what to do.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX  Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}