davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CT)

XXXX calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (TX)

Today l checked my annual credit report. There is a credit card from XXXX XXXX XXXX XXXX XXXXTD bank  opened XX/XX/2019 on my report. I did not open this card. Luckily, nothing has been charged or paid on it. I want this account closed. I have been on phone ( s ) for hours, on hold with both XXXX XXXX TD bank. Because l only know about this card via my credit report, l don't have all 16 digits of the account number to close it online. Also, because l didn't open this account, my phone number doesn't match up with anything they have on file.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Applied for a XXXX  credit card in person at a XXXX location in XXXX XXXX on or about XX/XX/2018.Card is managed and issued by Bank of America . I was told by the agent at XXXX that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with Bank of America and was told that the card application had to be completed on line. I was NEVER told that by the agent at XXXX as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either XXXX and/or Bank of America. I want what I was promised regardless of who made the offer.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

My son took out a Student loan with Navient in 2006 to attend a college in XXXX Tn. for XXXX which he has been paying on for 14 years now and has been informed that he still has XXXX to go before it paid off. Thats 8 more years of payments. We have already made almost XXXX in payments on a XXXX loan. I have been making the payments and am now XXXX years old with both my wife and myself in poor health. I tried to talk with them to give them a one time payment but they would not hear of it. 
I just wonder what type of student loan takes 22 years to pay off XXXX?
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I was trying to purchase a home and I realize I had damages on my credit report from child support not being credit and unknown inquiries and other damages reporting and according to the 15 U.S.C 1681 there should not be any damages on my credit its defamation to my character
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thaxton Investment Corporation (CA)

XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back. 

XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up. 

XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone. 

XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX. 

I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.
Consumer complaint received 2017-12-21
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. (TX)

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
Consumer complaint received 2020-08-01
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: DISCOVER BANK (CA)

On XX/XX/XXXX I ordered 50 XXXX face masks from XXXX to help with this coronavirus pandemic. Shortly after, I received a package from them but it wasn't face masks, it was a box filled with newspaper. I submitted a complaint to the website to no avail, then I went to my credit card company, Discover. Discover investigated my dispute and then went on to side with the medical supply company simply because they sent proof that they shipped a package to me. I know I got a package, but the problem wasn't me not receiving it, it was the fact that I was scammed and I received NEWSPAPER rather than the face masks I ordered.
Consumer complaint received 2020-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of ve rifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has no t been resolved.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, XXXX, Experian, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, Equifax, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (WI)

XX/XX/2021 I attempted to pay my debt. I was accused by XXXX of not being willing to pay my bills ( in general ). This is despite the fact that I was calling to make a payment. I asked XXXX to remain respectful, and she hung up on me. This made it impossible to make a payment. 
I called back later, and I was put on hold. This again prevented me from being able to make a payment. 
I called back again. This time I requested information to pay my bill online. The information I was given was inaccurate, and I was not able to create an account. This was the third time I was prevented from making a payment. 
It seems extremely unethical/illegal to create a situation in which it is impossible for a consumer to make a payment. 
I was also told that I was going to be marked " unwilling to pay '' - despite the fact that I was currently attempting to make a payment. I had made that clear from the beginning. 

I am left stressed out, as I want to resolve this issue. I have my debit card sitting next to me, and have been ready to make a payment with this company. I have now attempted to do so 3 times today. Due to the behavior of the employees, I have been unable to make a payment.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016
Consumer complaint received 2018-12-30
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: SYNCHRONY FINANCIAL (FL)

After filing my first complaint to another bank the government might give a bailout too in the near future or did a few years ago in any case when you jump to the idea that I have accounts with Typo and Fraud Issues before contacting the CFPB and with my support behind Mrs. XXXX XXXX will bring bankers under oath for unfair practices that are ok. SYNCB retaliate by closing all my SYNCB accounts. XXXX being first and XXXX XXXX, and XXXX   XXXX. I have sent a wonderful letter to XXXX XXXX office advising her of some of her need to investigate SYNCB from top to bottom like a bad IRS Auit. This simple bank Who who is lending to me I file a complaint on a different issue and they simply retaliate and close my accounts because I reported them for a violations in the lending act. I want this looked into! I am not too fond of SYCNB right now.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (OH)

Please see emails attached. I was sent an email on XX/XX/XXXX to sign up for Auto Pay. I signed up for Auto Pay and received a confirmation email on XX/XX/XXXX. On XX/XX/XXXX I received an email that my Auto Pay was cancelled. I called an spoke to three different people that reassured me there was a glitch in the system and everything would be correct. I asked them to send me a confirmation email that my interest rate would be at .25 % and they reassured me it would be correct after XX/XX/XXXX. They showed on their end three confirmation emails that my Auto Pay was set up correctly and confirmed there was something wrong with their system and to ignore the cancellation email. I signed up for Auto Pay again on XX/XX/XXXX. A payment was made for {$12000.00} on XX/XX/XXXX, but my account does not reflect that. I was cancelled again, but was never sent an email. I set up Auto Pay again on XX/XX/XXXX and received another confirmation email, but my interest rate does not show .25 %. I was assured over the phone that their system was having issues and everything would be correct after XX/XX/XXXX. It's not, my interest rate is 3.86 % on 4 loans and 4.66 % on 2 more.
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NJ)

I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!
Consumer complaint received 2018-12-28
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)

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of TransUnion, XXXX, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.