davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
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: CITIBANK, N.A. (NY)

I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the credit.
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.
Consumer complaint received 2021-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I am having a problem with my XXXX XXXX XXXX LoanCare. I recently successfully completed chapter XXXX bankruptcy. I have made all of my payments and my loan servicing place is harassing me daily telling me i havent paid. I have bank statements and proof of all payments. I have spoken with 3 separate phone reps and 1 manager. All wgo have supposedly identified the problem ON THIER PART and promised to submit this and that to correct the issue only to never have anything fixed. I last spoke with the manager one week ago on Friday. Today I was notified from my credit reporting agency that they have reported me as over 30 days delinquent on my payments. I have contacted my chapter XXXX bankruptcy attorneyAnd I'm filing a formal complaint with you guys.
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Each month since XX/XX/2020 Ive been billed {$48.00} for a service I do not have access to and have never used.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I purchased a XXXX jeep patriot XXXX/XXXX/2015 and my interest rate is very high at 17.9 % the suv is {$25000.00} and it 's a 6yr. term buy the time it 's payed off i would have payed over {$39000.00} for it. what can i do?
Consumer complaint received 2021-09-11
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. (NY)

I contacted XXXX, Experian, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX  drivers license and passport serveral times and can not get my reports.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.
Consumer complaint received 2018-03-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These public records were not reported t

o the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. I have sent NUMEROUS letters to the bureau
s requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Consumer complaint received 2018-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.
Consumer complaint received 2018-03-20
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. (PA)

Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

on XX/XX/XXXX I received a call from customer service telling me that I had been approved for a XXXX XXXX loan. I was in dire need and I requested the money. On XX/XX/XXXX a payment of XXXX and some few cents was withdrawn from my checking acct.for payment. I now owe these people over XXXX. I sent a message to cancel this account but didn't get a reply. This is nothing but a scam on poor people
Consumer complaint received 2017-11-27
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: ALLY FINANCIAL INC. (CT)

Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.
Consumer complaint received 2017-11-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lendmark Financial Services (GA)

I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.
Consumer complaint received 2021-07-07
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim since I have been terribly harassed by # CapitalOne, and I need to file a complaint against this credit card bank that is imposing late fees and interest charges illegally. 

Please see the attachments and look at my Capital One account carefully carefully. Id like you to match the amount. The credits I received from the merchandise, i.e., XXXX doesnt match with the ones processed by CapitalOne . Also, some of the refunds were provided really late by the merchandise XXXX. 

If the merchandise XXXX is unable to provide refunds on-time, why should I be paying the late fee/interest charges? Capital One should have the courage to demand XXXX. 

So kindly waive off these illegal charges against me and in future, please process the correct amount of refunds in time. 

Thank you If u have any questions or concerns, feel free to contact via email : XXXX or phone : XXXX.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for refinancing for my property at on XX/XX/XXXX with the approval of XXXX XXXX, which he said that he would subordinate the HELOC. I explained to the loan officer several times that the refinancing would be for the first mortgage excluding the HELOC. In fact the three ( 3 ) Closing Disclosures ( see attached documents ) dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( see attached closing disclosure XXXX, XX/XX/XXXX & XX/XX/XXXX ) which revealed no mention of the HELOC. The Payoff Statement XX/XX/XXXX ( see attached payoff demand document XXXX ) showing Present Principal Balance of {$710000.00} which reconciled to my Statement Balance XX/XX/XXXX ( see attached mortgage statement document XX/XX/XXXX ) of {$710000.00}. All three ( 3 ) Closing Disclosures show Loan Balance of {$720000.00}, which could not have included the HELOC of {$48000.00} ( see attached document ) or else it would show loan balance of around {$780000.00}. This support my contention that the loan officer stated to me that he could subordinate the HELOC. 
The Loan Processor was pushing me to pay off the HELOC as she stated on her email I just wanted to quickly touch base with loan update. It seems you are agreed to payoff the HELOC loan. I will complete the reviewing this loan and will submit to XXXX for final review. I dont know how she came to the conclusion that I agreed to pay off the HELOC ( see attached email XX/XX/XXXX document ). 
The Loan Officer offered to include HELOC to the refinancing in the last weeks of XX/XX/XXXX. The Closing Disclosure ( see attached closing disclosure document XX/XX/XXXX ) dated XX/XX/XXXX showed that the rate being offered was 2.875 % not 2.5 % and the Loan Balance was {$780000.00}, which included the HELOC payoff amount. In the last few weeks of XX/XX/XXXX, The Loan Officer was pushing for me to agree to pay off the HELOC and he did not offer me the 2.5 % and the fact was he offered me a 2.875 % rate with higher closing costs. 
All my evidences point to the fact that my right as a consumer was violated. Loan Depot should not get away with it.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

An account was opened from Synchrony Bank which is now be handled by XXXX XXXX XXXX. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in XXXX months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (CA)

XXXX FRADULENT iNQUIRIES ON MY CREDIT report ( IDENTITY THEFT ) XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 EXPERIAN REFUSES TO MOVE THESE FRADULENT HARD INQUIRES ON MY REPORT, IDENTITY THEFT FTC REPORT HAS BEEN PROVIDED, PLEASE HELP ME
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

A FRAUD WAS PERPETRATED AGAINST ME BEGINNING XX/XX/XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC AND IT'S REPRESENTATIVE XXXX XXXX ), USING XXXX XXXX XXXX XXXX TO OBTAIN AN AUTO LOAN OF {$25000.00} FOR A VEHICLE I NEVER RECEIVED. A {$4000.00} CASH DEPOSIT WAS OBTAINED FROM ME BY XXXX XXXX. I MADE NO PAYMENTS TO WESTLAKE. HOWEVER XXXX XXXX MADE PAYMENT ACTING AS THOUGH THEY WERE FROM ME. 
A COMPLAINT WAS FILED AGAINST THE PERPETRATING PARTIES IN XXXX XXXX NORTH CAROLINA, ( BECAUSE I NEVER RECEIVED THE VEHICLE ), FOR BREACH OF CONTRACT, XXXX XXXX, CONVERSION, PIERCING THE CORPORATE VEIL AND FRAUD XX/XX/XXXX.
Consumer complaint received 2021-07-12
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. (GA)

To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates.

I, XXXX : XXXX  never gave XXXX  any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (NC)

Due to my car situation and not being able to get a rental due to losing my job etc. I want a better car payment. I was able to get some extra cash by paying extra on my car payment but I still lost a good paying job. Plus having XXXX XXXX, daycare is not cheap.
Consumer complaint received 2017-11-22
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. (NY)

The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (NC)

Ditech Financial LLC first appeared on my credit report and at the register of deeds office in XXXX XXXX N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with Ditech, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called Ditech lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed Ditech from my credit reports. XXXX then contacted Ditech and requested a " Quit Claim Deed ''. After his initial contact with Ditech Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks