davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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: EQUIFAX, INC. (LA)

I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Today, XXXX XXXX. I was shopping at XXXX and while checking out there was advertising for special offer of 35 % off on your XXXX  purchase. There was a star for exclusion apply. When you hit that links it starts telling information about the credit terms and another information regarding the stores coupons. 
I made my purchase and noticed there was no discount then I thought maybe it gets deducted on the statement but I couldnt find any information about how it gets applied. I proceeded to make my purchase on my new approved credit card ( it said it was ready to use ) I browsed the website trying to find the information on the discount but it was not clear. I decided to chat with someone which it took time for the associate to review my issue, the account and order. The proceeded to informed that unfortunately the special discount is a store coupon that is receive within XXXX hrs of account opening by email. It doesnt get automatically applied to the first purchase you make on the credit card. Then they tell me my merchandise would not be receiving the extra discount because all the brands are excluded. The order can not be cancelled because the XXXX mins window to cancel an order had expired while I waited to be helped. The order will be received in XXXX business day. It can be rejected upon delivery or the merchandise can return. 
XXXX should be advertising their incentive As XXXX a 35 % COUPON on your first purchase so the client is aware that all exclusions from regular store coupon applies. ( XXXX coupon hardly work on anything they sell ) if I knew right away the offer was for a coupon then I would have never opened a new credit card. 
There is not easy link to find all the brands that are excluded from this special offer. Instead there is a section for the XXXX items etc but no direct link to a list or search button. Instead the customer dumbly thinks we are getting a special discount with this new credit card but apparently its NOT the case. 
I called XXXX XXXX that issues the credit card and they told me they can closed the account but not void the application and there is pending transaction so It might reflect the balance because once the online order is processed so I would have to submit a payment to cover it while the credit card shows as closed but I wanted to return the items. I dont want a hard pull. Closed credit card with balance and the hassle to return all this items. The system should allow cancellation for at least for an hour window. 
XXXX XXXX should offer a way to have an application be voided even after approval. 
XXXX should do a better job advertising sales, coupons, and ineligible brands. Apparently, their coupons only work on their own private brands. 
I hope other shopper learn from my distasteful experience.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

XXXX XXXX staff had incorrectly advised me to request my bank to stop a payment made to XXXX. Had I followed the advice, I would have become delinquent in my student payment and faced dire consequences. 

On XX/XX/XXXX, I called XXXX to resolve issues with Public Service Loan Forgiveness ( PSLF ) program. It is my understanding that all payments made through an income-based repayment ( IBR ) program while engaged in qualifying employment would count toward the PSLF program. Although I believe that I had made three qualifying payments under the PSLF program, XXXX had only counted two of my payments. During the XX/XX/XXXX call, the customer service representative told me that XXXX most likely made an error in not counting the third payment. The representative promised to have XXXX staff review the contested payment to check if the payment should have counted. 

On XX/XX/XXXX, I called to follow up on XXXX 's review process. A different customer service representative told me that my contested payment definitely would not have counted toward the PSLF program, as the contested payment was unnecessary and not part of my official IBR payment plan. I then asked if I could have the contested payment refunded, but the customer service representative simply advised me to have my bank stop the payment. 

Later on XX/XX/XXXX, I called to speak with a third XXXX representative to confirm that my contested payment was not part of the IBR program and thus would not count toward PSLF. I was then told that my contested payment was still pending review, and the second customer service representative was not authorized to determine whether the contested payment counted. I also found out that, regardless of whether the contested payment counted toward PSLF, the contested payment would have been due shortly after the time I paid it. The third representative informed me that, had I requested that my bank stopped the payment in accordance with the second representative 's instructions, I would have been delinquent in my payments.
Consumer complaint received 2017-01-24
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Prince Parker & Associates (IL)

XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Robert J. Colclough, III (NJ)

I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

We have a Citi thank you XXXX Master Card. We do not receive paper statements and use the Citi Mobile app to access account information. Up until recently, the app worked fine. We were able to view account activity and always paid in full, on time. 

In XX/XX/2021, I needed to call Citi to request a fee waiver. We incurred a late fee because the app was giving a consistent error message, stating Having trouble signing in. Please try again. We were not able to access our account and did not know it was overdue. Citi approved the waiver in the amount of {$13.00}, and we paid the remainder of the balance due. 

The same issue occurred in XXXX and we were assessed a late fee and interest totaling {$29.00}. I immediately called Citi, paid the full balance of our purchase and asked for the late fee to be waived because of the same difficulty with the app. I was told that they would not waive the late fee because it was already waived once for us this year. 

We are requesting that Citi waive the {$29.00}. Once our account has a zero balance, we want it closed. 

We feel that Citi has barriers to access our personal account information. Please note that the wording of the error message on the app stated Having trouble signing in. Please try again. It did not state that my username or password was incorrect. After receiving the error message multiple times we attempted to resolve it using the Having Trouble Signing On tool in the app. We provided all the necessary information only to get a message stating Unable to Verify. We should not be required to expend a significant amount of time to obtain our account information, only to be assessed an exorbitantly high fee if we are unable to.
Consumer complaint received 2017-08-29
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. (FL)

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP (NY)

Since XXXX XXXX, XXXX i entered into a fully executed contract and signed loan estimate with XXXXXXXX XXXX for a XXXX in XXXX, NY. Nearly 5 months later and i have n't heard a potential closing date. 

This delay has been inexplicable, costly and highly stressful to me, as the buyer, my family, my lawyer and even the seller. I 've made multiple attempts to move this application forward, but obtaining answers from the bank staff is very slow ( usual response is 10+ days ). In the last couple of months, most of my emails and calls to the bank rep have gone unanswered. 

My own research helped me understand the merger with XXXX XXXX XXXX and the transition of its residential mortgage lending, i 'm sure this is at the source of the delays with my loan. This bank 's internal turmoil on its residential mortgage is reflected in the unclear/repetitive document requests and lack of communication among bankers, loan officer, underwriter and bank attorney working with the same loan ( items have been requested more than once, an Addendum to the Contract was requested by underwriter on XXXX/XXXX/XXXX, 3 months after the contract was received, which leads me to believe improper review of my case ) at this point the appraisal expired and a re-certificate fee is being assess. 

My experience, demonstrates that Sterling is far from performing as a top regional bank in New York. My financial situation is more or less the same since i enrolled in the XXXX in XXXX, i demand an immediate resolution on this loan.
Consumer complaint received 2017-08-29
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has charged my account XXXX dollars for an items that I told the bank were incorrect. 

I offered to send pictures of the defected/incorrect products but the bank never wanted to see the pictures. 

I wanted to show what the company advertised is not want I received -the bank did not allow me to do so. 

In fact, I was advised I would hear back from the bank in reference to my claim and I never heard one word. 

I checked my account today and the claim has been closed without any follow up with myself.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The collection agency account is showing that I have an open balance of {$73.00} on my Transunion credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX/18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX Creditor : XXXX XXXX XXXX
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX/XXXX/16 I received a couple e-mails from Kohl 's stating that my account had been updated and an order placed. I, nor the other card holder had done neither. When I opened the emails, I found that someone had not only changed the name on my account but also the address. Within an hour of these events happening, I called the Kohl 's credit card customer service number provided on the card. After an exhaustive explanation, I was told the cards would be closed, new cards issued, they would try to stop the order and they would investigate. I continued to receive emails that the order was shipped XXXX XXXX/XXXX/16 XXXX, delivered XXXX XXXX/XXXX/16 XXXX, and, no surprise- a refund had been processed XXXX XXXX/XXXX/16 XXXX. I 'm surprised that these events took place even with me notifying them within ONE hour of the changes made on my account. ***How can a name and address be changed on an account and an order immediately placed and no safety measures in place to alert for fraud and protect me as a consumer and themselves as a company? *** As bad as this seems, I received and activated my new cards and on XXXX/XXXX/16 attempted to make a purchase that would not process. I placed a call to customer service and was told that I could not use the cards due to fraudulent activity. I stated that the fraud was on the original cards but that these were new cards. She stated that the new cards were also flagged for fraud and could not be used. I told her that since Kohl 's can NOT protect my information to close the account. I have been a card holder for 10+ years and so I 'm aware that my credit may take a small hit but it will be so worth it versus entrusting my information to this organization. Upon closer inspection with the original and new cards, it appears that the account is the same on all XXXX cards. It appears that Kohl 's simply issued XXXX new cards in the original account with last XXXX numbers being different. SO, I guess the original account was really never closed as I was told would happen. And so again, how did Kohl 's protect my information? And why was the account not closed? As a consolation, I received a letter from Kohl 's dated XXXX/XXXX/16 that states I am not responsible for fraudulent charge. I guess it was just divine intervention that I attempted to use the newly issued card to XXXX that the new cards issued were just extensions to the original account.
Consumer complaint received 2017-11-30
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: EQUIFAX, INC. (IA)

I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.
Consumer complaint received 2022-04-25
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. (TX)

XXXX XXXX XXXX  keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-04-25
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX  : Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXXC XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2019 I noticed on my capital one auto finance app that {$4800.00} was paid towards the loan But my loan amount on my car never went down. It just stayed at {$18000.00} which now even when I paid another {$870.00} towards the loan because I fell behind which that never was put into the total amount towards my loan either. Paid that in increments on XXXX, XXXX, and XX/XX/2019. When I looked online it said all my payments went towards the interest and principal which I never signed for. I went through my contract it doesnt state that I have to pay the principal and interest off first and then the rest of the loan. Even after I paid to get caught up they turned around and said Im still 130 days late how does that work?
Consumer complaint received 2017-08-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (CO)

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX XXXX XXXX fax NMLS # XXXX They do a very hard sell, do not take no for an answer. They showed me what my mortgage and costs would look like. I sent them the information they asked for. They had me go online to sign forms. When I looked at the mortgage information on their site, the costs where higher. I told them via email XX/XX/2017  that I had changed my mind and did not want to refinance my home at this time. Since this day they have called me 2-3 times a day, every day, asking me to call them back to talk about this ( XXXX XXXX XXXX - Sr. Mortgage Specialist ), he also had his boss call me ( XXXX XXXX XXXX - District Manager ). Then they sent me a letter with both of their business cards. They continue to call me 2-3 times a day to this day, including Saturdays and Sundays. I do not answer the phone as I feel I do not owe them an explanation, I said no. They need to stop! This is harassment. If they do n't stop I feel I would need to hire a lawyer.
Thank you