davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX  charges me XXXX per month for XXXX XXXX premium care since XXXX. They send me a monthly email stating that I should contact XXXX XXXX if I have a problem with my phone. I cracked my screen at the end of XXXX and requested repair. XXXX XXXX XXXX refused coverage. they have claimed that I do not have XXXX XXXX. I have learned that XXXX XXXX actually only cost {$8.00} per month to repair phone. The damage to my phone has gotten worse because they will not authorize repair. I registered my phone with XXXX and they continued to charge me but now claim that I have no coverage.
Consumer complaint received 2023-03-10
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. (AL)

I have an old account on my Experian report that is showing a {$0.00} dollar balance and this debt has been sold to another agency. This is incorrect on my report, as I no longer owe this company The Account is XXXX XXXX XXXX
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (CO)

I just received a letter from a collector from XXXX with the amount of {$670.00} Reference # XXXX. Dont understand why XXXX didnt contacted me before if they gave all my information until years later after I notified them that I wasnt going to use their service anymore. I dont have a contract with them since it was month to month I dont appreciate the fact that after years without trying to contact me and we me not knowing they sent me with a collector and Ive never been send to collections before since Im a responsible person.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.
Consumer complaint received 2022-03-20
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 sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE REFUSES TO OFFER A HARDSHIP PLAN! Account has not been paid since XX/XX/2019 and they are still refusing as of XX/XX/2019 to offer help to me. 

On top of that, Capital One has called me excessively regarding my delinquent accounts. They call every 30 minutes, even though they are able to leave a message. Today, Saturday, I have 6 calls from them in an 7 hour period.

** I have 2 Capital One accounts that are past due by 2 payments, soon to be 3 payments past due on the XXXX. 

** I've called several times over the past 4 weeks, and recently these are the 2 in-depth conversations listed below. 

XX/XX/19 : I talked to them for over 45 minutes, and was told the system didn't show any programs for me. Only that they could not charge a late fee, which doesn't help a thing. 

XX/XX/19 : I called today, and another rep also said no program is available, and then he told me that only ONE time in 24 months has he ever seen someone's account show a program. 

DECEPTIVE AND MISLEADING PRACTICE : When you are on the Capital One website, they have this automatic form that says " Payment Option '' " Build Your Payment Plan ''. No matter what number you type in there, it rejects your offer, unless you type in the entire past due and current amount. In other words, this form is rigged. I am behind {$290.00}, and it wouldn't approve {$50.00} a month, or {$100.00}, or {$150.00} a month or {$200.00} a month. It would only approve {$290.00} or higher. I can't afford {$100.00} a month, but I typed it in to see. 

ALL of my other creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ALL offered me a long-term hardship plan. All offered 0 %. EVERY SINGLE ONE. 

We are in a place of significant financial hardship. My income is down significantly since last year, and has been all through 2019, and we had a $ XXXX emergency vet expense, that required a down payment, to go on a vet payment plan. 

I can't keep up with the payments, and Capital One REFUSES to allow a plan. I've tried EVERYTHING to get on a plan. 

They just want to continue stacking fees on top of my 27 % interest rate. When it goes to collection and I finally get a settlement, the balance is going to be so high that it won't be doable then. They are absolutely the worst company to deal with. I wish I had never done business with them. In fact, I pro-actively closed all my accounts today! I will never do business with them ever. 

Their inability to help me is causing me emotional anxiety, extreme stress, poor health from the worry and not able to sleep, and hard to focus to keep business going during the day, especially with all their excessive phone calls. 

RESOLUTION SEEKING : 0 % Long-term payment plan - like my other creditors have done.
Consumer complaint received 2020-06-06
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. (CA)

I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, XXXX and Experian did not. I asked experian and XXXX   how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card belongs to XXXX. I began having financial difficulties about 3 months ago and the past due amount is around {$400.00}. The option to pay on the past due amount was an ideal proposal and I began to make payments and arranged a future payment schedule. 

I have been paying this way for about 2 months. Now this month when I went online to make my payment, there is a red message telling me the account is closed and for me to make payments until the balance is paid off. 

About 2 months ago the account was breached and I sent XXXX a message that someone had been phishing my account. I knew this because I had to change my password to access the account. 

Meanwhile, XXXX told me that there was no problem with the account and if it had been breached, just to change the password. XXXX also told me that I could continue to use the online feature of XXXX to make purchases, I just could not use the XXXX charge card to pay for them.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2019, I noticed an inaccurate reporting to my credit report from Navy Federal Credit Union send a letter of verification/ validation of the alleged debt. My letter was VERY clear on what I was requesting to ensure this debt was mine As a response from the ORIGINAL creditor dated XX/XX/2019 was that " we have completed our 'investigation ' ''. 
What was the investigation? Where are the results of this investigation? How was this information investigated? 

After the ORIGINAL creditor blatantly and arbitrarily disregarding my request, I sent a follow up letter on XX/XX/2019 ( I was waiting for further information of the alleged investigation and It never came ) letting Navy Federal Credit Union know these things an that their response doesn't met the FTC guidelines of proper debt validation.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX  XXXX  {$120.00}
Consumer complaint received 2019-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I called XXXX on Wednesday ( XX/XX/2019 @ XXXX ) to get guidance on the Temporary Expanded Public Service Loan Forgiveness program.

The customer service person answered with a strong XXXX accent and  without asking what I needed, requested my name and social security number. It felt weird. I mentioned this fact, but he told me he needed the information to see if I " pre-qualify '' for the program. I gave him my social. 

Then he asked for my birth-date. I asked if he could see anything about my loans ( to verify he was actually getting information ). He responded he saw I had two loans that may qualify, but he needed to know my birth-date to verify it was me. 

The number seems legit, and I was referred to them by XXXX. 

He told me I had loans from " XXXX '' ... which was incorrect ... but it was too late cause he had all my information. He then CLUMSILY guided me through the website to download a form. His services didn't have anything to do with the actual process. 

My Problem : This is the age of identity theft. The number and info still come ups as being legit..but I feel like it was a scam. It had ALL the telltale signs ... but I feel helpless in telling the difference between something legit and something wrong ... and there is something definitely wrong with how this played out. I think they are violating what they should/should not request from their customers. 

There has to be laws to help protect us from just handing out information like this. 
Please help.
Consumer complaint received 2021-07-19
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. (MA)

on XXXX XXXX I was checking my credit report and noticed a hard Inquiry from a 100 % FAKE XXXX XXXX account. I'd like it removed ASAP and the criminals who did this shut down. But I'll settle for it being removed.
Consumer complaint received 2019-09-14
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: AMERICAN EXPRESS COMPANY (NE)

In XX/XX/2019 I went on XXXX XXXX  and ordered tickets to a XXXX XXXX Concert that would be performing in XXXX XXXX, when purchasing these tickets an additional site appeared for hotel so I began to register for my stay as well however once I completed this transaction and the amount appeared I noticed the total amount was astronomical ( not to mention the length of stay far proceeded the amount of time I would be there ) I immediately began cancelling the entire transaction including the tickets to concert, Unfortunately when I attempted to cancel tickets with XXXX XXXX was lead on a wild goose chase so I turned to American Express ( this is the Credit Card that I had used for said purchase ) Three different times I spoke to AE and they ensured me that this would be disputed especially since I did not receive service from hotel or tickets for concert. After countless attempts to resolve this I finally received a letter advising that although tickets had not been received the cost would not be refunded therefore I would be responsible for this outrageous amount. I once again began disputing and this brings me to you. I am a business owner and I am looking at possibly relocating to another state once I retire and this issue is already affecting my credit negatively. I am asking that you not only investigate the XXXX XXXX and their policies but try and negotiate with American Express to eliminate this debt from my personal credit card account. Thank you for your time and patience.
Consumer complaint received 2019-09-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

I am a XXXX university XXXX   in my second year, recently, I was curious about my current credit score, So I decided to check, and to my surprise, some of my student loan debt was listed as unpaid. My questions is, if i'm still a current student an have not finished school, how or why would my student loan be due, it has not been 80 days from one term to another. how is this possible? What steps can I take to remedy this, the purpose of going to school is to be a more productive member of society and contribute overall to the gross national product, when I'm in so much debt from my student loans debt before I even start to work. this appear to be a very scruples action, perhaps inadvertently, I'm not sure. please help!!
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (MD)

A military star credit card was opened in my name and I suspect it was my estranged father who I have had little connection with the last few years. I submitted and Ide tu theft affidavit to Military Star but after investigation they refused to removed the account from my credit report as they deemed it was familiar fraud. This has been an ongoing dispute process for months. Ive been using XXXX XXXX to handle it. Recently I was in home loan process on this account is interfering with my qualification for a loan on a house because of the late payments on the file. Ive been trying to get it remember for months. I requested statements be sent to my home of record, which Ive yet to receive, so that I can file a police report on this but they have not sent me any statements or proof of statements.
Consumer complaint received 2019-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MI)

Round point has said that they would removed the PMI on XX/XX/XXXX statement. Today I got the statement and they refused to removed it. 

I have asked many times and they keep moving up the date refusing to removing. 

I have the right to request that your servicer cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PMI disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 

I have reach well beyond that 80 percent point. 
Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
Consumer complaint received 2019-09-14
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: Diversified Consultants, Inc. (FL)

I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX  is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX XXXX XXXX XXXX XXXX acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX XXXX. XXXX XXXX # XXXX I have never lived in California XXXX nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I made three deposits into my checking account of money orders, which were {$490.00} each. And I deposited my check into my savings account and its been over three weeks and they still have my funds on hold. after the checks have cleared, they dont let me know. How long is my account gon na be on review or for what reason?
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2019-09-14
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)

EXPERIAN, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX  XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Consumer complaint received 2019-09-14
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. (FL)

XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (NY)

A company just called me today called XXXX XXXX. Phone number XXXX. They said they were coming to my apartment tomorrow to serve me papers for an old debt from Citibank, over six years ago. The debt was XXXX, now its up to XXXX.the first man I spoke to on the phone told me they were going to come and serve me with a warrant. I am a senior citizen on social security.
Consumer complaint received 2023-03-10
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. (MO)

In the past 60 days, I have disputed accounts that are the result of identity theft. Both times, Experian has accused me of utilizing a third party such as a credit repair company. I have sent additional letters & called with documentation proving that I am NOT in fact using a third party. 

This experience has been very hurtful to my finances as well as my consumer report.