davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLD NATIONAL BANCORP (IL)

OLD NATIONAL BANK account is incorrect and should be removed from my credit report. i disputed many times and it was removed correctly from credit bureaus after proper investigation ( see attachments ) but they keep showing back up on XXXX report, reporting incorrect information. XXXX removed it properly in XXXX and it is now back on for some reason I been battling with them and sent numerous certified letters without ANY answers from them!! they clearly violates my right as a consumer and wrongly report incorrect information on my credit report. I put them on notice, sent cease and desist letters, asking for valid proof of contract on this account... it is greatly impacting my credit worthiness i worked very hard for! 

Since they ignore the law and my letters, i am kindly asking you to make proper remedy to this and make sure my credit is reflecting accurate and true information! 
I appreciate your help!
Consumer complaint received 2018-10-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PINNACLE RECOVERY, INC. (VA)

XXXX XXXX  used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (RI)

Account XXXX {$960.00} XXXX XX/XX/2XXXX  Comenity Bank I called to verify this debt, I wasnt able to get any details from the collection agency. I called XXXX and learned the address and account number for this account & that is how I realized this was a fraudulent account opened in my name at an address I have never lived.
Consumer complaint received 2019-07-01
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: CITIBANK, N.A. (OH)

XX/XX/XXXX I called Citi to report fraudulent charges and report the card lost/stolen. the lost stolen was taken care of right away but the fraudulent charges have not all been credited back to the account after several calls to the company.Sent Cit a file on XX/XX/XXXX showing the 60 fraudulent charges from XX/XX/XXXX - XX/XX/XXXX along with dates, description, and amount charged. I've made numerous calls to Citi ; XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) always being told I would see the credits in 2-3 business days. On XX/XX/XXXX spoke with XXXX a XXXX in XXXX XXXX in FL and she said a complete audit would be done on the account and everything would be cleared up in 7-10 days. Called Citi one last time this morning ( XXXX ) and spoke with XXXX, again he said he would have it looked into. 

Since it's been over 60 days ( and out of the timeframe for a dispute to be resolved, I informed Citi I would contact the CFPB for resolution.
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I continue to have issues with how payments are handled. I voiced my corncerns with how rude the reps are are a spoke with a supervisor today bythe name of XXXX. They expect you to know what they are talking about when you dont work at the company. I have made several lymph fum payments on my loans due to the fact that I have not consolidating them. On the website it states Congress sets interest rates however if I go into auto pay with them or will lower my interest rate. The information they provide is misleading I have made several lump sum payments I only once this year applied for forbearance today would have been my second time after speak iui mg with XXXX who was supposed to be a supervisor I voice my concerns with her as well once i said i would put in a complaint is when her tone changed. When I make my payments it states to postpone payment implaying due to over payment that anything due will not show as past due ... so in paying of my loans my amount due each much rises though I am in no payment plan you would think the more I pay off the lower my monthly payment would be however the opposite applies. Also when making over payments with the option I select it automatically places you I forbearance when it doesn't explicitly state that ad an option. I am not happy with the loan servicers. They have stolen my money over the years they have been my servicer enough is enough I am getting a lawyer involved. I have had enough.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (WA)

Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.
Consumer complaint received 2019-07-01
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. (MA)

To Experian, XXXX, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX  themselves reported that my last payment received was dated on XX/XX/XXXX yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( Experian ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- XXXX XXXX  ) to  another ( Bank 2-Wells Fargo ). I received an email from Bank 2 confirming the transfer. 


On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 


Well, it didn't. 
Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 


I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


Note : I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account. I have all the documents acquired thus far. I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank ( which I already tried ).
Consumer complaint received 2020-12-22
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. (FL)

Submitted a request via US mail over 30 days ago not response. Submitted a complaint via CFPB, there was a response but nothing was done to address the inaccuracies on my credit report.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was sent an unsolicited Kohl credit card. I had an account several years ago. This card looks like a replacement credit card that even says I have been a member since ... I went online to check my previous credit card account and it said it was closed. THis is a very sneaky way of trying to get someone to open an account they don't want. It reminds me of the activities XXXX XXXX did with their account practices. If it isn't illegal, it should be. I will no longer do business with Kohls.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CO)

I applied for a loan with Loan Depot in XXXX, 2019 and was conditionally approved, pending the appraisal. On XX/XX/XXXX, I received a Loan Estimate and a Rate Lock from Loan Depot for the rate that I had been quoted over the phone of 3.325 % for a 7/1 ARM loan. The Loan Estimate and Rate Lock are attached. 

I have supplied all requested documents and other data and was available to make sure the appraisal was done at the date and time agreed to. The appraised amount was sufficient for the loan. 

On XXXX, XX/XX/XXXX, I was informed by Loan Depot that the 7/1 ARM product was no longer available. I said I understood that programs change but I had a valid commitment through XX/XX/2019 and I expected to close on that date. Loan Depot has all necessary documentation, but now refuses to close the loan. I told one of the managers, XXXX XXXX, that I expected Loan Depot to honor the commitment. He indicated he would speak to a more senior staff member, but I did not hear back from him.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: KEYCORP (OH)

On or around XXXX/XXXX/XXXX i contacted Key Bank to remove myself as an authorized user on a friends credit card account. In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to Key Banks Credit Research team and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval. Key Bank supervisors show no compliance. Key Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements
Consumer complaint received 2018-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (LA)

I took out a XXXX loan with Sallie Mae For the school year of XXXX. However two weeks before the year started I had a XXXX. I still attempted to attend school. I do completely understand that I still owe them, however because of my XXXX I have been unable to find work in my field. I currently work part time and make about XXXXevery two weeks. Sallie Mae is aware of the situation. I have tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to have them help lower my payments or put me on a forbearance program. The first time I contacted them I was told that I do not make enough money to qualify for a reduction in my payment. Ive tried at least twice more to get on one of their programs, but I can not get them to lower my payments to something I can afford. 

I have informed them on no less than 3 occasions that I'm not allowed to use my phone at work and their consistent calls are interfering with my ability to do my job. However I am still getting multiple calls while I am at work. 

Ill go through just the last week. 

On XX/XX/XXXX 2 calls XXXXXXXX XXXX and XXXX XXXX XX/XX/XXXX 2 calls XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and twice at XXXX XXXX I was at work from XXXX through XXXX XXXX   XX/XX/XXXX. That is 4 phone calls in a6hr period when I'm at work, I feel this is turning into harassment. Most calls do not leave a message. And three times messages were let by a XXXX where is tone is almost but not quite completely condescending. I put in a complaint with sallie mae after the first message and still received two more. 

They have also contacted third parties multiple times, after I asked them to not contact those third parties again.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

received a U S Bank Reliacard to receive unemployment benefits that I never applied to receive nor am I unemployed. The card was sent to my home address however the name on the card is not my legal name - a portion of the name is correct but not the entire name
Consumer complaint received 2019-07-01
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. (GA)

I have a tradeline or account with XXXX 's that according to them was reported approximately 2 months ago ... a credit card ... and I do not see it being reported on my reports I want this corrected, and reported ... this is unlawful
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have disputed the inaccurate reporting on my credit report from Bank Of America. They sold the information on my report to another agency I disputed the inaccurate reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america has failed to send me any letters validating the debt. I have asked them several time to remove this from my report.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX My complaint is re : Capital One. I have 2 business credit card accounts and a history of excellent credit and also a history of using their 0 % balance transfer offers. I received several email offers, multiple, from Capital encouraging me ( on both accounts ) to use their then ( 2 months ago ) current offer of 0 % for 18 months at a 2 % transaction fee. 0 % has been a wonderful tool for my small business. 

I took advantage of their offer and put {$5500.00} on Capital One, account above. 

My first statement after borrowing, I owed the minimum of {$55.00} for that month. 
That was fine and logical. On my next ( XX/XX/2019 ) recent statement, i thought i missed the payment date because i owed much more than the minimum payment on the 0 % offer I had taken advantage of. I rarely miss payments, but I had been sick and thought I made a mistake somehow. 

I called yesterday ( Sunday ) and spoke with a regular phone person ( XXXX # XXXX ) and then with a supervisor ( XXXX # XXXX ). XXXX, the supervisor, said my transfer was processed as a regular transfer and that I owe interest every month to the tune of approximately 30 %. They said they would need to review the phone call with the original representative and it would take at least 7 - 10 business days ( while incurring further interest!!! ) to look into this and, that they don't call their customers - they could only contact me with their " decision '' by letter. 

I believe Capital One is entrapping people. i am waiting for their " decision '' but in the interest of safety I have used up almost all my available funds to immediately pay the Capital One Credit card of over {$5500.00}, plus the interest charge of {$140.00}. Because, if for some strange reason, they decided that I changed my complete history of doing business and borrowing them - with the stupidity of putting myself and my business in a 30 % interest position, they i would owe even more interest! Smart on their part, don't you think! 

This is outrageous. I am very careful about how i utilize my credit and therefore have excellent credit. 

If, for some reason, I did not properly understand on the original phone call borrowing this money - I know that it was not transparent and in verbiage that would entrap the public. I would not make a mistake like this easily. And I am sure other people, maybe people who have done this for the first time, could easily think they were wrong and they owed this money with interest. 

it is outrageous that it takes 10 days and only thru a letter, for them to resolve my issue - while still accruing interest! 

Thank you for your help with this matter.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/2022, I sent a letter to Transworld Systems Inc, regarding an inaccurate debt that they claim I owe. I asked for validation of this debt, as I do not believe that I owe anything. In addition to that, I also asked that further communication regarding this matter, should be handled via mailed correspondence. 

Since receiving my letter, Transworld Systems Inc has yet to provide any sort of proof of said debt but they also continue to call my phone, repeatedly, from different numbers throughout the day. Transworld Systems Inc calls from different New Jersey area codes, since I have a NJ number, in hopes that I would pick up a call from New Jersey. Clearly this is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and subsequent actions should be taken to address this.
Consumer complaint received 2023-03-18
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. (MI)

collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX II Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.
Consumer complaint received 2019-07-01
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)

i have a credit card account that I'm listed as authorized user that the owner of the acct. has failed to pay and is in bankruptcy. My credit report with is now listing it as an adverse account and has lowered my credit score.