davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (LA)

ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/16
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TN)

I recieved bills from a collection agency onXX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is commonwealth financial systems.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (CA)

On XX/XX/XXXX I received a call from XXXX with XXXX XXXX XXXX offering a Department of Education program that would reduce my payments up to 75 % and possible loan forgiveness. A program which I was pre-approved for the loan repayment reduction.Her advice was to act quickly because the program expired that Friday, XX/XX/XXXX. The call back number XXXX left on my voicemail was XXXX. A number that went to XXXX XXXX at XXXX XXXX. Whom i spoke with on XX/XX/XXXX. Her extension is XXXX.

I gave her my information as requested, including annual income and was provided with a loan repayment offer. The offer included administrative fees of {$1300.00} and monthly payments less than {$100.00} while getting the loan out of default and paying all remaining payments. A term of 10 years, nine months and no mention of recalculating the payment amount if my financial situation changed. As a result of that call an FSA ID had been set without my knowledge or an email address associated with it. Without answers to security questions or an email account associated with my FSA ID I was locked out of my account.

My concerns are as follows.

What if any is the relationship between XXXX XXXX XXXX and XXXX XXXX?

How did XXXX XXXX XXXX obtain my cell phone number which was not part of my personal profile with the Federal Student Loan database?

How was my FSA ID established without an email address associated with it?

The tactic of urgency used by XXXX in her voicemail to respond within 5 days because the pre-approved offer would not be available.

Complaint file with Department of Education, case # XXXX.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. Transunion, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America Premium Rewards credit card. One of its rewards is the XXXX Incidental Statement Credit which provides an annual statement credit of up to {$100.00} for qualifying transactions, which include purchases of onboard food and beverage on domestic-airline, domestic-originated flights ( see attached terms & conditions ). 

On XX/XX/20 I purchased {$18.00} worth of food aboard a XXXX flight from XXXX. Although this is a qualifying transaction and I did not reach my annual limit, Bank of America XXXX BoA XXXX did not offer a statement credit. I opened case # XXXX with BoA in XXXX and their investigation found that XXXX had used the wrong XXXX code, which made the transaction ineligible. ( The merchant name was XXXX XXXX XXXX, which is clearly incorrect as we were in flight and no food is even offered at the gate. ) BoA has acknowledged that this should have been an eligible transaction but it refuses to remedy this issue with XXXX who is its partner, not mine. A BoA representative even informed me that another customer was in the same exact situation. It is impossible for me to go back to XXXX and find the in-flight merchant to re-process the transaction with the right XXXX code, this is a systems-level programming error. Im requesting that BoA resolve this issue with XXXX and offer me a full {$18.00} statement credit.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

Like I've already stated in my complaints about all XXXX bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations
Consumer complaint received 2021-10-03
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. (FL)

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX  XXXX  XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

Credit Bureau Systems has withheld verification information and thus fraudulently represented a debt, for which they are claiming I am liable. Credit Bureau Systems failure to provide pertinent information regarding their claim, which I am entitled to under the Federal Fair Debt Collection Practices Act, has resulted in my inability to resolve the dispute in a timely manner, despite repeated requests ( both by phone and certified mail ). 
When asked, during our most recent phone conversation for the information I requested, and am entitled to under Federal law, the Credit Bureau Systems employee ' responded by saying the Hospital network ( and originator of the alleged debt ) " ..had been hacked, so I ca n't do that '' and then hung up the phone. Their harassing tactics have delayed a resolution, as a XXXX, they have impeded my education. I can not pay for schooling without federally obtained loans, and they have been withheld, pending a resolution of the collection claim.
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried to dispute the incorrect information with Transunion, but their website keeps giving me errors and they do not provide a phone number to call to dispute the information. I tried to reaccess the report online and Transunions website tells me I have to pay for it.
Consumer complaint received 2023-04-13
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me!
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX 2016 I read a news article about Capital One offering their new " Credit Wise '' free credit monitoring app for download. They claimed one did not need an acct, which I do not have, in order to sign up. I downloaded the app on my XXXX and then opened the app and started the free sign up process. I filled out the app 's forms and at a certain point the app noticed that I already had a Capital One acct and asked me for my login and email and password. I attempted to login several times and received error code XXXX. I eventually gave up and contacted Capital One fraud dept. by telephone to notify them that I do not have a credit card acct. Their customer service team attempted to assist and could not understand why this was happening so they escalated/passed the complaint to their internal " security/IT '' team. They called back and gave me further instructions to attempt login to the " Credit Wise '' app and those failed as well. They sounded confused over the phone. Ironically, several months after this occurred I started to receive text message alerts that someone was attempting to use my Capital One XXXX card for purchases and they asked me if the purchases were valid via text. I responded " no '' and did not hear back from them. For the record, I do not have a Capital One XXXX Card nor have been able to login to their " Credit Wise '' app. I believe they have not done enough to ensure that someone illegally has a credit card in my name or have produced a valid reason why this is happening to me. After reading news about other large banks creating fake credit card and bank accounts recently, I decided to proceed to an FTC complaint since Capital One XXXX and their Credit Wise app security team has failed to assist.
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

A couple of months ago I received an escrow analysis that my payment was going to go up. I did not have money to pay the shortage so I noticed my payment went up almost {$400.00}. I checked online and noticed that US Bank has XXXX County and XXXX which are not suppose to be there. I live in XXXX County, and we pay for XXXX and XXXX. It has been a month since I reached out and have made numerous calls without resolution. I have not made my car payment because I needed to pay my mortgage. I am worried that again I am going to default on my other bills since my main concern is to keep my home. I keep getting the run around and I even requested a supervisor which she told me she would call me and never has. I need my escrow fixed and to have my payment fixed.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

We were verbally denied for XXXX. After requesting information regarding the denial over the phone we were told that any request for information would not be granted unless it was written request. We have since made several written requests regarding our XXXX denial, the status of the modification and mistakes we found on our loan in XXXX 2016. We never received any information we requested or any corrections to the mistakes on our loan. We have followed up those written requests with other letters that have also been left unanswered since XXXX 2016 - it is now XXXX 2016. Our mortgage servicer via telephone says it can not answer the questions that we have asked and we have to wait for written answers to our inquiries even if we are well outside the allotted 60 business days they say we should receive our answers in.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VT)

I called Naviant to discuss the policies and terms of the forebarance of XXXX of my loans that my mom paid for. I was informed that neither of the XXXX loans were in forebarence and that i could make a payment of {$50.00} each to put the loans in forebarence. My mom had already made a payment of {$150.00} on XXXX XXXX. I was then informed that the payment was not there and the only payment showing was from today that my mother made to forebare the loan she cosigned on, When I was informing the woman named XXXX that the forebarence of all XXXX loans was already paid for, i recieved an attitude from her and her constantly asking if i wanted to make a payment to put my loans in forebarence. It was n't until i read off the exact persons name that she spoke with on the XXXX and the confirmation number that i actually got somewhere and by that time i had to go back to work. I am not impressed with how they handled this situation and would like to know where they payment my mother made for the XXXX loans went and why it was n't clearly noted.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please reference case # XXXX I have tired to contact XXXX Capital One cooperate office ext XXXX but it is always busy. I have called through the call center several only to be told that they have no way to reach her so I end up calling later to speak to someone else who researches my account and then emails XXXX. This has been going since 1 month. I was advised by XXXX that she needed more time to research things, and still have not heard back from Capital One. I am requesting that Capital One pay the interest fees to my other creditors due to Capital One refusing to pay them due to the fraud activity on my account. Capital One was aware that I had used the Access checks for a balance transfer and advised that they would reissue the Access checks, but some reason they have failed to due so and now I have a big mess to deal with. The other creditors closed my accounts and placed this on my credit report. I also requested a letter from Capital One stating that I had fraud on my acct but never received a letter.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.
Consumer complaint received 2015-08-10
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jason A Craig, PC (GA)

The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.
Consumer complaint received 2016-05-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help