davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I was offered a free skin care product and taken to a chair and the person applied product to my face. They told me the cost and I said no and began to walk away. They stopped me asked if I had credit cards I pulled out my wallet and before I knew it the were grabbing my cards and took 3 cards and started calling the cards and maxed out 2 of them. One for aprox XXXX and one for XXXX. The phones they were using were spewing out tiny receipts like you would get at a connivence store. The receipts were never signed by me and they threw a few boxes of their skin care products in a bag and hustled me out of the store. I was flying home to California the next morning and did not even look at the bag until I got home. I was shocked to see the charges, notified my banks immediately and sent back the products. My XXXX XXXX is investigating this, while the Bank of America said they were going to investigate it I quickly received a letter from them denying my claim and said I was responsible for the money. I sent faxes, called daily, found new evidence daily concerning this fraud of a company and am in the process of filing charges against them with the XXXX police dept. they have an f rating on the XXXX  and all complaints were similar to mine. I have copies of everything, sent the to BofA and they said sort it is your fault. I asked why is it I buy something T an XXXX XXXX and before I get home there is a message from you about a fraud alert. Why did you not notify me right away when one company XXXX XXXX XXXX called you five times requesting outrageous amounts of money was there no alert. They said sorry I asked to speak to supervisor he told me exactly the same thing and when I asked for his last name and email address he told he could not tell me that. Case closed. They were very rude and robotic in all their answers to my questions. The did no investigation as XXXX XXXX is diligently working with me and reading all faces and emails. Bank of America would rather pay this fraudulent company than their customers who have been with them for 40 years and spent hundreds of thousands dollars at their bank. Of course I am closing my account but I want to take responsibility for not backing their customer at all. They make you make over an hour to talk to anyones d will not talk about it in their banks. Everyone I have told this story to has had similar experiences with them and all they they HATE Bank of America
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XX/XX/2019 around XXXX I received a phone call from Portfolio Recovery after I told them NOT to contact me at my phone and to send me correspondence through mail only, I called back and they refused to give the name of the person who called me.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CT)

All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
Consumer complaint received 2019-11-03
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 (NY)

Sir, I will try to be brief, My wife and I applied on line for the quicksilver capital1 visa credit card, the on line advertisement stated, spend {$500.00} or more on purchases, receive {$150.00} cash back. We spent {$620.00}. When my credit card statement came, I called to redeem my cash back bonus, they told me that the rules have changed, and you were no longer entitled to the {$150.00} cash back bonus. 
To me this is consumer fraud, we were so mad, that we cancelled the card, but I still owe them the {$620.00}. 
They lied and deceived us, what can I do.
Consumer complaint received 2019-11-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. ()

I feel that I am possibly being cheated by my private student loan lenders, Navient and XXXX XXXX XXXX. I have 5 student loans with Navient from my XXXX and XXXX  degrees. The total amount I took out with the company was {$87000.00}, and I have so far paid back {$48000.00}, but I currently owe {$130000.00}. I have 2 student loans with XXXX XXXX XXXX from my XXXX degree. The total amount I took out with the company was {$40000.00}, and I have so far paid back {$28000.00}, and I currently owe {$38000.00}. 

I have never been late on any of my payments, and I have tried to negotiate with Navient to help me make the monthly payments, but they just keep suggesting that I extend the lifetime of the loans and remain on interest only payments. I also believe that the interest rates on at least 3 of the Navient loans are excessive and possibly illegal in my home state of Pennsylvania, where the legal rate of interest is 6 %. The three loans I am concerned about have interest rates of 9.63 %, 10.88 %, and 11.63 %. Finally, another key issue of concern is the fact that I never took out loans with Navient, but with Sallie Mae and they sold them to Navient without my permission. Attached, please find a summary of information related to each of the individual loans. 

I should note that I was in full time education from XX/XX/XXXX- XX/XX/XXXXat  XXXX University ( XXXX XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat  University XXXX XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX  ).
Consumer complaint received 2019-11-03
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. (TX)

A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a XXXX XXXX XXXX XXXX from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called XXXX but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my Equifax credit report and I will like it deleted.
Consumer complaint received 2019-11-03
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion. Consumer Solutions. 
XXXX. XXXX XXXX. XXXX, PA XXXX. 
XX/XX/2019RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXinquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2023-06-29
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: AMERICAN EXPRESS COMPANY (CA)

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Add comment..
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

I applied for the Walmart  Credit Card on    XXXX   XXXX   XXXX  .  In the fine print, it states that you have to make your purchase the day of your approval to take advantage of the 20 % off your first order promotion. It instructs you to click on link to apply discount which I did, when I went to check out, it did not apply the discount so I did not place order. I called the customer service line and they said I have to wait for email link. It is now   XXXX   XXXX   XXXX     and I did not receive my link. I did receive my card today,   XXXX   XXXX   XXXX    . Before placing an order I called customer service to inquire about promotion discount email and they said there should be a coupon with the new card, there was nothing. They instructed me to place the order and call back wi thin 3-5 business days to notify them of the order and they would note my account and I would see the credit to my account in 2 billing cycles. I place my order with Walmart. The transaction go  t denied. I continued to try to place the order with my new card and it was denied. I then called customer service again. They said they see the order amount on my account and that the order had gone through. I then called Walmart and told them what Walmart Credit Card   custome r service told me and they confirmed that the order did NOT go through and they see nothing on my account. I then called Walmart Credit Card customer service back again and explained what Walmart told me. I then remained on hold for a long time while they   confirmed what Walmart told me. The rep from Walmart Credit Card customer service to ld me that there was nothing they could do for me except to wait for the pending charge to leave my account. Now leaving me with no option to pay for my large order before my trip I have to leave for needing most of these items. This whole process seems very unethical and un-managed.
Consumer complaint received 2019-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (WI)

WSFS will not apply a principal only payment as instructed over numerous messages since the date of the payment at the end of XXXX. They are also not applying full payments to my account as of the day they come in. 

Screenshots supporting all of the details below will be attached : Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Principal only payment of {$230.00} delivered on XX/XX/19 but not processed until XX/XX/19 and was NOT processed as principal only. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but will not processed until XX/XX/19. 

WSFS loan statement dated XX/XX/2019 is missing the payment delivered on XX/XX/19 for my regular XX/XX/XXXX payment. 

Message detail will be attached for the following : First message send by me on XX/XX/2019. Follow-up message sent by me on XX/XX/2019. Automated response by the company onXX/XX/2019. Another follow-up message sent by me on XX/XX/2019. First  response by the company on XX/XX/2019 in which they stated they could not find XX/XX/2019 payment. Follow-up sent by me on XX/XX/2019 stating it would be the payment they had processed on XX/XX/19 that should be principal only. And that the payment they had processed on XX/XX/19 should be for my XX/XX/XXXX payment. Another follow-up sent by me on XX/XX/2019 again requesting that my payments be corrected. Yet another follow-up by me on XX/XX/2019. Company responded on XX/XX/2019 stating that all payments are held until the actual due date and additional payments for principal only need to be made manually by me. Response by me this morning on XX/XX/2019 is that I do not understand what manual payments are and that my XX/XX/19 still needs to be corrected to principal only and all subsequent  payments correctly updated.
Consumer complaint received 2019-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX should not have foreclosed on my duplex. I was making payments on my duplex but not on the second mortgage because it was paid. The second mortgage was subordinate to the duplex loan. I believe the foreclosure balance was the balance of credit cards paid off in the two loans. 
XXXX second mortgage XXXX duplex loan XXXX When I bought my house our down payment was {$57000.00} Did they pay the credit cards and add the down payment back into the loan? 
There was no down payment on my duplex I paid cash. There was however a loan for the rehabilitation. Did they pay this loan again? 
We owned several other properties in the XXXX I now wonder if those down payments were used for the huge credit card limit ( {$180000.00} ) of which we used only a fraction.

If this is the case i already paid it back in the monthly payments I  made to those cards. In addition a portion of the claims were already included in the mortgages I paid off. Those companies made no claims but it appears this money was or is being paid to debt buyers. 
XXXX XXXX made no claim because it was paid XXXX XXXX made no claim because they foreclosed. XXXX XXXX made no claim because they paid themselves with my escrow surplus. I paid commerce 3 % monthly payments for 4 years for money I gave to them in the mortgages. 
There is no loan on my house yet they threaten foreclosure on a balance I believe is actually the money I have paid back to myself. 
There is no balance. This money would be a balloon payment I do not owe. I am making escrow payments to this non existent loan while they pay me back by paying my taxes and insurance. 
I believe This loan no one gave me is now held by XXXX XXXX because it was laundered through XXXX XXXX.
Consumer complaint received 2019-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc. (NC)

I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. 
My credit score through XXXX  was XXXX. 
I want to know why SS, LLC gave such a low credit score. 
I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. 
The application number on the denial letter is : XXXX. 
Thank you, XXXX
Consumer complaint received 2019-11-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 (  a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by Equifax and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX
Consumer complaint received 2019-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I was checking my credit report with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX like I usually to do and I noticed that my score was down 27 points. I went to check the reason because for me my credit is very important and I paid on time but I found a Debt Collection on my report from I.C. System Inc., for the amount of {$6300.00} linked with XXXX XXXX but I never had XXXX services so I make a phone call the Collection Agency at that moment ( XXXX ). They asked me for my name, social security, date of birth, address and phone number that I provided and I denied this transaction with XXXX and explain to them that I never had this service. The representative told me that my address doesn't match either my phone number but my name, social security, and date of birth matched. They had on their records XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the phone number linked with this account is XXXX data that I do not recognize at all. They filed a case of fraud and identity theft with Reference # : XXXX. Immediately after I went to file an Identity theft report with the XXXX XXXX Police Department where I live since XX/XX/XXXX and they filed a report for fraud and identity theft case # :XXXX and because of jurisdiction issues I have to report the city linked with this fraudulent transaction I called to the XXXX XXXX Police Department after and they filed a report for fraud and identity theft with a case # : XXXX.
Consumer complaint received 2019-11-03
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: CONTRACT CALLERS INC (SC)

Since XX/XX/2019 contract callers has placed four derogatory accounts on my credit report. Im not aware of this company and how they got my credit information and they continue to impact my credit with their multiple reports. They say I owe {$540.00}.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

This dealership has violated my rights as a consumer! Not only they ran my credit XXXX times, they also got me to get XXXX XXXX which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it in & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX, when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explained the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase XXXX XXXXXXXX XXXX just saying that he would make my pmt in the XXXX month there's so many codes violated! I had good credit XXXX by the dealership running my credit so much 9 times Hard Inquires on XXXX & XXXX from XXXX, XXXX 3 times, every time I would call to speak to XXXX XXXX & leave a message I would not get a call back, In fact I was being fwd. to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way over priced also the advertisement was a fraud also this dealership had me put down {$3000.00} on top of a trade in they low balled me on & that's another violation no cash was supposed to be taking @ all & this was before even signing the contract another violation!! They were also telling of other banks they can get me approved which is a violation, The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really, he was ripping me off. I would like a Rescission & everything I've paid for the car & monthly pmts and pain and suffering, for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want my justice with this Dealership. This company has caused me stressed because they ruined my credit score in total, they ran my credit 15 times in total!