davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a balance transfer on my Capital One venture credit card at 0 % interest in XX/XX/XXXX. It was for 12 months. The transfer was made and my other balance was paid off. Each month I would get a statement with my existing balance. Unlike other credit card companies that I've done balance transfers with, Capital one does not show the consumer the expiration date of the balance transfer. They also do not show the the length of time the balance transfer is for when the initial balance transfer amount is first listed on your statement, During the course of the year I've made my payments, but did not pay off the whole balance off. I forgot when I initially made the first transfer and thought, capital one would inform their consumers of when the expiration date of the transfer was approaching to avoid paying the much higher interest on the remainder of the balance. I called Capital one customer service who told me my transfer did expire in XXXX of XXXX. I told him I was dissatisfied and they should keep consumers aware on their statements to avoid paying higher fees. They told me they don't list that info on their statements. It think this is a deceptive practice, and a change should be made. All other credit card companies, make this clear on their monthly statements.
Consumer complaint received 2017-12-05
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 (OK)

An order was placed with XXXX XXXX XXXX on XX/XX/XXXX but never received. I called to see why it hadnt shipped and the XXXX XXXX XXXX  representative said they werent going to be able to fill the order until they didnt know when, so I cancelled the order over the phone. This was done on XX/XX/XXXX. The order had been paid for with the XXXX XXXX XXXX store credit card. 

I called the company XXXX XXXX XXXX a week later since I still had not received the credit card credit. They told me then that they had 5-7 days to refund the charge and that hadnt expired yet. So I called again when the time was up and they again said it would be 5-7 days. I then called the credit card company ( XXXX XXXX XXXX  credit card ) and they said they would put in a claim to have the charge refunded. No documentation was received and no record of a claim being made to refund the card exists. 

I called again in 5-7 days to XXXX XXXX XXXX company and this time they gave me a case number. When that 5-7 days expired on XXXX XXXX, I called again and they said someone would contact me in 1-2 days. That expired XXXX XXXX and I have not called again. The credit card company for the XXXX XXXX XXXX credit card still has not refunded the money nor have they attempted to contact me about the refund. This is extremely frustrating as the card balance was required to be paid without incurring late fees and has been paid, even though the refund was due nearly 2 months ago!!!!
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (CA)

This line of credit was opened in XXXX. My card was used by unauthorized persons and I reported to their Frauds division. It took months to investigate but only 30 days to close the account. In XXXX, they sent it to a collections agency, I settled with them but the account still wasn't removed from my credit report. I have disputed this account still showing on my report : three times! And this SETTLED ACCOUNT is still showing on my report. XXXX XXXX claims there was TWO ACCOUNTS : THERE WAS NOT. I had a debit account and they added a line of credit to it. Now, here it is over SEVEN YEARS since the account was closed and WRITTEN OFF. How long can this be reported and why can't Experian remove it after seven years? At one time, I was told XXXX XXXX  would be removed XXXX, XXXX. Yet I recently called and was told ( because it was RE-REPORTED two years ago ), it will stay on my report. IS THIS TRUE? If it is, companies can just keep reporting write offs and keep on credit reports FOREVER!
Consumer complaint received 2021-02-08
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: Experian Information Solutions Inc. (MS)

The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit. I have also reached out asking that they remove the inquiries from my credit profile.
Consumer complaint received 2020-09-12
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. (AL)

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and  making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Consumer complaint received 2017-12-05
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: Credit Karma (FL)

I check my credit scores via credit karma, XXXX XXXX and XXXX  have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and XXXX by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP
Consumer complaint received 2017-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (WA)

Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (DC)

Comenity bank was attempting to collect a debt of mine that was from a credit card from XXXX 's. I got a letter in the mail saying Weltman , Weinberg & Reis Co. , LPA will be representing the current creditor ( Comenity ) for this debt. On XXXX XXXX 2016, I called Weltman , Weinberg & Reis Co. , LPA to discuss payment options and I set up an agreement that I would pay {$220.00} per month. Confirmation number : XXXX I called on XXXX XXXX, 2016 to pay my second payment and the woman on the telephone said that my balance is {$920.00}. This could not be possible because my original balance was {$1000.00}. If you take that number and subtract {$220.00} that equals {$800.00}. So, even though I paid them the monthly payment we agreed on, they only subtracted {$100.00} from my balance. I have attached documents to show my bank statement that shows my payment of {$220.00} on XXXX XXXX as well as all of the correspondence from the XXXX companies, most notably the past XXXX statements that indicate the original balance and the incorrect current balance. I had agreed to terms with this company to monthly payments and now they are threatening me because I have not paid that they are going to take additional steps against me. I refuse to pay this company any additional funds because I feel I am at risk of being taken advantage of.
Consumer complaint received 2018-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previous wrote Equifax in regards to an item ( Bankrupty caseXXXX ) on my credit report. To this date they have never replied to my complaint and the item remains on my report showing as " In dispute '' .. its been like that for more than 90 days
Consumer complaint received 2018-01-12
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. (LA)

XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my XXXX and Experian credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My federal student loans were recently forgiven via the public service loan forgiveness program on XX/XX/year>. Transunion refuses to correct my student loan as closed paid in full and is instead listing the loan as deferred for 300 months. I disputed the loan account on XX/XX/year> attaching my pslf forgiveness letter from XXXX. Transunion refused to correct the loan entry. I then disputed the loan account again on XX/XX/year> attaching a copy of my forgiveness letter, a print out from XXXX showing the XXXX balance, and a print out from studentaid.gov showing the loan status as pain in full. Transunion again refused to correct the payment deferred status. Both XXXX  and XXXX have the loan status correct as closed paid in full, but Transunion refuses to fix this error. Can someone please help me get this corrected because the company is not helping. I also have not been able to see the actual dispute result letters on XXXX website and just get a message that Transunion is having technical difficulties every time I try to access it. The only reason I know the issues have not been corrected is because I have pulled subsequent credit reports after email alerts stating the investigations had been completed. Having this account listed as a deferred loan is not correct when it has been forgiven through pslf.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I had entered into an income based repayment in XX/XX/XXXXwhile employed and had all federal subsidized loans with XXXX XXXX and then transferred to Navient. It was my understanding that any interest that my payment schedule did not cover were covered by the government for the first three years as per subsidized loans. I entered into forbearance because I was told this was my option if I was struggling to repay even under the IBR. In XX/XX/XXXX I lost my job. I assumed that any accrued interest was being paid for per the IBR during the 12 months of the forbearance. I was still unemployed by the end of the forbearance period in XX/XX/XXXX, and interest was capitalized on the loans upon the end of the forbearance to a total of {$210.00}. I made two months of payments using my unemployment compensation, before I became aware that I could proceed with an unemployment deferment. I remained unemployed from XX/XX/XXXX- the present and during the intervening years I reapplied for unemployment deferment. I still ended up having accrued interest applied at the end of the deferment to a total of {$640.00} which I am unclear as to why this occurred as I was in deferment the entire period. 

I was never informed that I could get {$0.00} payments under the IBR while unemployed, and have {$850.00} in capitalized interest that should n't have been capitalized.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

THIS WILL BE MY XXXX ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING XXXX INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS XXXX. I REQUESTED VERIFICATION AND THIS ACCOUNT IS XXXX.

ALSO AFTER FURTHER INVESTIGATION XXXX XXXX DOES NOT HAVE THE PROPER XXXX TO ATTEMPT TO XXXX ON ANY XXXX  IN THE XXXX XXXX XXXX I HAVE THE RIGHT TO XXXX  AND HAVE NOT GIVEN ANY XXXX XXXX FOR THIS INFORMATION TO BE REPORTED ON MY XXXX PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO XXXX XXXX IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY XXXX PROFILE IS AFFECTING MY ABILITY TO OBTAIN XXXX.
Consumer complaint received 2018-01-12
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: Experian Information Solutions Inc. (WA)

I am attempting to dispute our mortgage payment with Experian. I subscribe and pay for a monitoring service, which is supposed to enable me to have access to my credit report as well as an easy method to lodge a dispute. Neither is happening. 

I can not dispute my credit report through the online portal of my subscription service. Furthermore, I am unable to go to their dispute website to dispute the account because it claims I do not have a current copy of my credit report. I do have one - I am paying for their service and I have a current copy. 

I am attempting to dispute our mortgage payment which was marked 30 days late as of XXXX XXXX. They are not allowing me to dispute this account. The account was not paid late.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Skopos Financial, LLC (TX)

Skopos Financial is reporting inaccurate and old information to my credit report. This account was not authorized by me. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. Thank you.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Hello, I received a notification today that my credit score was lowered upon investigation i discovered that this company was the reason for the drop. this business has not reach out to me by mail or phone. it is unfair that a business would place a item on my credit credit report without reaching out. I am requesting that this account be removed from the credit bureaus immediately, because it is hurting my chances of further rebuilding my credit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$600.00}
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I phoned Citibank about fraudulent withdrawals made from my account that totaled {$1000.00}. Someone ordered a bank card and had it mailed to an address that was not my address. Citibank mailed out the card with a pin number, they activated the card and was able to take the money out. Citibank sent an email stating that they will not reimburse me the funds that was stolen. I made several police reports, 1 for the unauthorized withdrawals and 1 for identity theft and 1 for the card being delivered to an address that was not mines. Citibank is accusing me of loaning my card out to someone. A card that was never in my possession!!! I have attached the proof where they mailed out two cards, one to my address after the money was stolen and the other where they mailed out the card to the address that's not mines and when they unlocked the card so that they could use it.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TN)

On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.
Consumer complaint received 2021-07-13
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: SYNCHRONY FINANCIAL (NJ)

these accounts don't belong to me. please remover accounts : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft SYNCB/LOW Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.