davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I received a notification from my lender fedloan serving on XX/XX/2022 that my loans were forgiven after previously being told that I had not made all the required payments. I XX/XX/2022 I called fedloan serving to request a refund of the payments made during the payment pause period related to covid I spoke with XXXX badge # XXXX I was told she would process my refund which was in the amount of {$5600.00}. I received a second notification of loan forgiveness indicating a different amount of forgiveness on XX/XX/2022. By XXXX XX/XX/2022 I had not received the refund and called and spoke to XXXX Badge # XXXX who indicated that I should have already received the monthly via direct deposit to the account I was making payment from she stated I should have received a payment for XXXX on XX/XX/2022 and another separate payment but she did not share the with me the amount. I explained that I received no such payments and wanted to speak to someone to discuss this further. I was transferred and waited in excess of an hour to speak to XXXX # XXXX who stated that since my account balance was zero I was not entitled to any refund of payments made during the payment stop. I do not trust that this is accurate and would like a refund of the payments made during the payment pause.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a claim of a balance owed to XXXX. That is disputed. The account was paid in full in 2012. Requests for an account statement under the Fair Credit Reporting Act have been ignored. There has been no evidence of the existence of the debt, the alleged balance of the account, supporting data related to the alleged account balance or documentation regarding this alleged debt.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Today I check my credit report because I got a email Alert stating I have a new collection account via TransUnion. I opened my TransUnion account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my TransUnion account so no more fraudulent activity would take place.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I WAS BUILDING A HOME IN XXXX XXXX XXXX, LOCATED IN XXXX, IN. THE POA CHARGED US ERRONEOUS FINES, FORCED MEINTO BANKRUPTCY, TRIED TO SELL MY HOME AT A SHERIFF SALE, TOOK ME TO COURT AND BOUGHT MY HOME OUT FROM UNDER ME. 
THERE WAS AN AGREEMENT BETWEEN MY ATTORNEY AND THE ATTORNEYREPRESENTING HIDDEN XXXX XXXX THAT NOTHING WOULD BEREPORTED TO THE CREDIT BUREAU. THIS IS ON ALL XXXX CREDIT REPORTS. 
I HAVE DISPUTED THIS ENTRY WITH THE CREDIT BUREAUS BUT THE ITEMREMAINS. I HAVE ALSO FILED A COMPLAINT WITH THE INDIANA ATTORNEYGENERAL 'S OFFICE.
Consumer complaint received 2016-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EOS Holdings, Inc. (AZ)

I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom. 

To view the remaining balance outstanding on your defaulted federal education debt, click here. 

NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default. 

Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Convenience checks — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One sent us checks to be used at 0 % interest for twelve months. NEVER did they say a 3 % fee would be added on to the amount for the written check. I used a check in the amount of $ XXXX and they charged me 3 % of that check upfront. It never indicated a fee and yet Capital One said it was in the fine print. Capital One is a thief and we shall see what you are going to do about it.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I 'm late in payment, there is no dispute there. The problem is how late and the lies that I 've been told both by capital one auto and speedy recovery. 

I 'm 3 months late, which is no more than {$1000.00} past due including fees. 

The repo agent came to the door and I asked him if he had a replevin order. He said a writ of possession will be filed very soon and then he left. He also told me that the past due was {$1900.00} in range. I then called Capital One Auto. 

I was told that by their agent named XXXX that I was past due {$1400.00} at the time of the call and that it was scheduled to charge off that day, XXXX XXXX, by XXXX. I told her I had just started working and could make my payment in 3weeks. She said no, it will charge off by XXXX that day. She also said that XXXX XXXX said I told them they 'd have to go legal. I never said that. I asked if it was already legal, but after three months only -- I assumed it was not. 

I did n't have the money one week later, but another rep told me that it was not about to charge off at XXXX that day. And that the first rep had deceived me. 

Today, they continue. I received an odd vmail from what I believe is the repo company requesting I call back. I 've never called that number and do n't know any XXXX. I also received a call from Capital One on my vmail stating that the loan was charged ( the word " off '' missing ) and that they were moving forward ( after only 90 days ). It charges off at the 120 day mark which would be in this month, not last month. 

The abusive concepts and scenarios are amazing and shocking to me. They literally are creating precontext for dishonesty, abuse, and deception at a major bank and recovery company.
Consumer complaint received 2020-11-26
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. (IL)

I have on several occasions sent certified letters in XX/XX/2020 til this day XX/XX/2020 which include my ID and SS card. Equifax has not removed these inquiries for which i have no account and do not recognized. so i call XX/XX/2020 and their customer service would not help and take care of the negative inquiries reporting to your credit report
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

THIS COMPLAINT REPLACES Case number : XXXX : Credit bureau keeps reporting inaccuracies related to XXXX XXXX XXXX XXXX XXXX XXXX tradelines. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/24 American Express shut down my 3 month old credit card with them until I E-mailed them my 2 most recent checking account statements. Their E-mail, and my phone conversation with them that day, made it clear that if I did not do this within 5 business days my card with them would be PERMANENTLY closed!!! The reasons why this request by American Express was/is outrageous, illegal, fraudulent and a blatant violation of the US Fair Credit Repoerting Act, are : 1 ) I have paid, ON TIME and IN FULL, the ENTIRE balances on this new credit card on both of the 2 account statements for this card.

2 ) American Express had absolutely NO legal justification to require me to submit my highly-personal, highly-confidential checking account statements as a requirement to keep this credit card active. 
3 ) If American Express had ANY doubts/reservaqtions about my financial condition and/or " credit worthiness '' they had the legal duty to do ALL of that research, and ask me any questions they had, BEFORE issuing me this new credit card on XX/XX/24! They did NOT ask me a single question, and they obviously did NOT do any such research ( if they had they would have found that I have a dtrong credit score! ).

I had no choice but to submit these 2 checking account statements to American Express on this same day ( XX/XX/24 ) ; which they acnowledged, in an Email to me on that XX/XX/24, that they had received. Their original XX/XX/24 E-mail, and my calls to 7 different American Express representatives ( I have their name and the dates/times of these calls ) all stated that the 2 statements I sent were/are exactly what they FRAUDULENTLY requested and that I would receive a reply " within 7 days ''. It has now been 11 days and I have received absolutely NO reply. I tried to use my American Express card yesterday, XX/XX/24, and it is STILL BEING DECLINED! ( very embarassing! ) I discuused this matter with American Express supervisor XXXX ( XXXX XXXX XXXX ) in their XXXX, AZ XXXX at XXXXXXXX XXXX  today and, after putting me on hold, she said that : American Express " still needs to review the checking account statements I submitted on XX/XX/24 ''. I informed her that 7 of her co-workers already told me that what I submitted was EXACTLY what American Express FRAUDULENTLY requested! I also reminded her to tell her superiors that they are now 4 days late ( see above ) AND that I will be submitting this complaint. She had no reply. She refused to give me her last name, though American Express has no qualms about FRAUDULENTLY requiring me to provide HIGHLY-PERSONAL, HIGHLY-CONFIDENTIAL checking account statements!!! 

XXXX XXXX XX/XX/24
Consumer complaint received 2019-02-23
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: ERC (VA)

I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.
Consumer complaint received 2016-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. 

Respectfuly, XXXX XXXX
Consumer complaint received 2023-03-25
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: SYNCHRONY FINANCIAL (AL)

I have bought a SOLID 18K GOLD BRACELET from XXXX XXXX XXXX and I was charged XXXX dollars on XX/XX/XXXX on my Sams club Maseru card by synchrony bank. But when I received the bracelet it tested ONLY 14K GOLD PLATED with the electronic gold purity tester and I am attaching pictures. So I disputed the charge With Synchrony bank because what I received is different from what I paid for and is a lot cheaper. I received a 14k gold bracelet that is worth XXXX dollars and I paid XXXX dollars for that same bracelet.so the seller XXXX XXXX XXXX  sent me the wrong gold purity bracelet and the item was NOT AS DESCRIBED ON THEIR WEBSITE. The difference in price is huge and XXXX XXXX XXXX refused to return the item and refused to refund me because they sent me the wrong item. This is a scam by the seller and fraud if its done intentionally and I was overcharged a lot if its a mistake. 
Synchrony bank charged my account again today XX/XX/XXXX for the XXXX dollars that I disputed and denied my claim. This is an invalid charge because I did NOT RECEIVE THE ITEM I PAID FOR. Instead i received a lesser value item that is a fake and unauthentic and valued at XXXX dollars instead of XXXX dollars. Synchrony bank needs to remove that charge from XX/XX/XXXX and not charge me for an item I never received. The seller scammed me and sent me the wrong item and a very cheap and unauthentic item that is NOT solid 18k gold. Synchrony bank needs to resolve this dispute IN MY FAVOR and refund me back the XXXX dollars immediately. 
The charge is XXXX dollars today XX/XX/XXXX and also charged for the same item before on XX/XX/XXXX
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can do.
Consumer complaint received 2020-10-18
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. (TX)

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. TransUnion/XXXX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Consumer complaint received 2016-05-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Discovery Systems, LLC (VA)

XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (HI)

The car that I have was a lease. I leased the car in XXXX  and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX. 

They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX  or a limited power of attorney to register the car in the state of XXXX.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (TX)

Currently we have a mortgage with a mortgage company called Seterus. We have already set up a login information for the electronic transfer of information. All our information is current and update including phone numbers. Apparently this bank made a change in our monthly mortgage payment in the month of XXXX, 2015 without notifying us about the change. We made our regular monthly mortgage payment for the month of XXXX according to our payment schedule being unaware of any changes in the amount. Finally only few weeks ago we got a XXXX letter about the change in the amount after this bank had already declared as delinquent and reported it to all the credit bureaus. Apparently they never applied our payment in full to our monthly payment and withheld the entire amount to be applied to our account. Once we found out about the change in payment we have caught up with all the changes and are current in our payments. But it is causing us hard ship on our credit rating as we are applying for a new mortgage loan. Therefore, we request your agency to take an action against this institution about harassing techniques and make unnecessary charges and penalties.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit from the Department of Justice. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and both times, they sent a letter back stating the account is correct and will remain on my report.