davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

On XX/XX/2020, I enrolled the Staple personal account credit card, because they were advertising a {$50.00} credit if made a purchase of $ XXXX. Before I enrolled and made the purchase, I called the customer service to make sure I would receive the {$50.00} because I was going to make a purchase over {$300.00}. My call was transferred from the business account department to the personal account department. I asked the customer service why I didn't see that {$50.00} credit on the order that I was ready to place, and they told me the credit will show up on my first statement. 

On XX/XX/2020, when I was going to pay my balance online but I still didn't see the {$50.00} on my statement, so I call Staple again. They told me a totally different story that there is no such things for personal account {$50.00} credit. it was for business account. 

I told them that I was told the {$50.00} will show on my 1st statement per the customer service department, but they said no, it was a wrong information. and that's it. there is nothing they can do. 

I am filing this complaint against Staple.com due to the fraud advertising information and inaccurate customer service response to make customer to enroll to their credit card which increased the inquiry of my credit history and it affected my credit score due to the unnecessary extra inquiry.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

Please see all of the documentation attached. The original creditor is XXXX XXXXXXXX, the collection agency is LVNV Funding C/O Resurgent Capital Services. 

I was a victim of identity theft and I have been dealing with this matter since XXXX of XXXX. I filed a police report as requested by XXXX XXXX since the debt did not belong to me. The police report is attached. 

I went through the entire verification process and XXXX XXXX sent me a letter stating : " Thank you for contacting XXXX XXXX XXXX On XX/XX/XXXX, we received your police report. Based on the information received, we are holding you not responsible for the current balance on the above-referenced account. We have submitted a request to remove this tradeline from the consumer reporting agencies. Please allow the agencies approximately 60 days to update their records. lf you have additional questions, please call our Fraud lnvestigations Department at XXXX between XXXX XXXX. and XXXXXXXX XXXX, Monday through Friday ( Pacific Time ). '' PLEASE SEE ATTACHMENT NO. 4 According to my credit profile, LVNV was deleted from my credit profile on XXXX XXXX, XXXX. They are the collection company who purchased the debt from XXXX XXXX where I was a victim of identity theft. This account was added back to my credit profile on XX/XX/XXXX, and it decreased my credit store significantly. 

I have made several attempts and asked all three bureaus along with LVNV to remove this from my credit profile and also sending relevant documentst that this does not belong to me and they have refused to remove it from my credit profile. The reinserting a debt that had been previously verified as not belonging to me and deleted violates my rights.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Starting in XX/XX/XXXX, I consolidated my student loans for a total of {$29000.00} with a locked interest rate of 2.875 %. I went into XXXX XXXX, but it took a long time before I had good paying steady work. I claimed deferment for the first year, then forbearance until XX/XX/XXXX. Not the best idea, I know, but I could barely pay my rent ; future me could worry about the increasing capitalized interest and late fees ( which totaled {$4200.00} ). Got a steady job and began making regular payments, and despite having paid a total of {$16000.00} toward this thing, {$10000.00} has gone to interests and fees and now my balance is still at {$23000.00}. Sure would have been nice to know about various income based payment plans back then.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TN)

EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - - - Installment Unknown XXXX XXXX, XXXX
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (FL)

To whom it may concern : I have an FHA loan that was created XX/XX/2012 with XXXX XXXX XXXX. Few years later, it was bought by another mortgage company, XXXX XXXX, XXXX. It was then when I lost my job and worked with them on a loan modification. This brought my principal down, interest rate up, but allowed me to make lower payments, which I wanted at that time. Few years later, my loan was bought off again ( XXXX/XXXX XXXX XXXX  ) and only the lower amount was carried over and it had been the case ever since though today. 

I am now in the process of selling my home and purchasing a new one. Upon reviewing numbers from the Title Company, I see that there is a second Mortgage in the amount of $ XXXX. I tried reaching out to NOVAD CONSULTING via email many times the past month, but I keep getting automated/generated emails asking me to fill out a form and return it signed in PDF ... which I have already done. I also tried calling their 800 number, but hold times are over an hour and the few times I leave my phone on speaker while working, it always gets cut off. 

I am trying to get a hold of someone that can help me answer questions on my second mortgage, which I am only assuming came from from loan modification years ago. Having this balance show up during my home selling process is really inhabiting me from going through with the sale as it is a lot of money to not have any knowledge of during all these years. Had I known about this, I would have asked to make payments towards this balance past several years now that I am stable employment-wise. I understand that is my fault for not keeping that info in a safe place 8 years ago from the loan modification, however, this is the reason why I am trying to get a hold of someone that can help me and I can't seem to be able to do so. 

I just need some help and it's putting me in a serious situation. 

Thank you
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I noticed an unfamiliar debt collection entry listed on my credit report from XXXX IN XXXX XXXX for an amount of {$5600.00}. This entry has been duplicated, with XXXX different account numbers ending in 'XXXX  ' and XXXX, ' respectively. The date opened for both entries is stated as XX/XX/XXXX, and the last activity is reported as XX/XX/XXXX. Both entries list the same amount owed and classify the debt as 'Collection/Charge-off. ' However, the original creditors are reported as XXXX XXXX XXXX XXXX ' and XXXX XXXX, ' which are entities I do not recognize. 

I have not engaged in any financial transactions with XXXX XXXX XXXX XXXX or the aforementioned original creditors that would justify this debt. Furthermore, there is no contact information provided on my traditional credit reports for XXXXXXXX XXXX XXXXXXXX XXXX ' leaving me with no direct means to resolve or dispute this debt. 

I have already initiated contact with my legal representative to address this issue, as the presence of these erroneous entries is affecting my XXXX XXXX and could have significant implications for my financial health. I am documenting all related activities and communications for submission to the CFPB to seek assistance in resolving this matter and to ensure that my credit report accurately reflects my financial history.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I try to try to talk with experian several times about my report that it is inaccurate, shows a lot of wrong information, wrong middle names and last names, inaccurate loan balances, inaccurate payment history, i have a credit card ( XXXX XXXX XXXX, this is fraudulent account ) also XXXX XXXX this one has fraudalent activities. when I try to pull a credit report from ANNUAL CREDIT REPORT, keep saying that Experian has a security lock or not enough information on my files, when I called Experian they keep saying that I don't have any security freeze and they do have my correct file, this is driving me crazy, I already told them that I will get a lawyer or will open a claim with the State, this is making me sick, I need a solution for this.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MS)

Ive been using PayPal for a while just to make money transfers to my friend, I did it a little more than often but they close my account after I submitted my correct info. I have XXXX in the account and I need it I can not wait 180 days tto get access to my money. Ive also done research and I Am not the only person this has happened to they have closed new and older accounts numerous times.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

To start the apartment complex back in 2016 sent me paperwork with the wrong amount and wrong name listed. SO I tried to contact them to get this corrected and got no response. It then got sent to IQ data who I recently tried to communicate with to settle the account and was treated very poor. A manager by the name of XXXX XXXX cut me off and hung up on me, when I called back to ask for his manager I was advised there is no need to speak to different managers in regards to the account. I am trying to settle my account before I process my bankruptcy due to financial and medical hardship. The manager stated that this month out of the year is the lowest they are able to settle accounts for which makes no sense why it matters what month it is. Also when I was trying to explain my situation he spoke over me and told me they aren't scared of my threat of bankruptcy and hung up. I was not threatening anyone but trying to explain what ii am doing to try and settle an account.
Consumer complaint received 2020-10-09
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 filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products
Consumer complaint received 2021-07-01
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. (FL)

I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.
Consumer complaint received 2020-10-09
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. (FL)

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2021-09-10
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. (LA)

I initially sent a series of letters to the credit reporting agencies over the last few months. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2018-01-29
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: Experian Information Solutions Inc. (MI)

Experian has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been blocked from initiating any type of transactions like wires, ach, cashiers checks, and all other electronic electronic transactions without notice due to updating my phone number. Upon calling Capital One bank they say that the " system '' needs to trust the phone number but they don't have a defined time period for that. I am about to miss the window to close on my house due to this issue. Capital One is not providing any resolution and even said that going to the branch in person will not suffice if the system does not " trust '' the phone number. My funds have now been placed in a state of limbo with no time frame attached to a resoultion. None of these terms or conditions were disclosed to me upon account set up or when I initially asked if I could perform wire transfers from the account.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (CA)

Following the Equifax breach, I have been attempting to freeze my credit with all three major agencies. However, Equifax will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Hello, My law each person is allowed an annual credit report from the 3 credit reporting agencies. Every year I get them by following the link at ftc.gov. Except from Experian. Every year Experian 's link is faulty. And when I try and call hold time is between 45 minutes to an hour. It happened 2 weeks ago and it has happened again to me today. The error message is below : We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The link NEVER WORKS. Most people give up and never get a free report from Experian.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

When I book online I see I have a credit card opened under my name, and I never applied for this credit card. A company that is called COMENITY BANK/VCTRSSEC. A credit limit of XXXX XXXX
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them. 

This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (TX)

I signed up for a checking account with Bank of the West New Account Promotions of {$250.00} bonus. It has been over 5 months and I have fulfilled all the requirements. I still have not received the bonus. I have contacted bank of the west numerous times and was once put on a 5 hour wait.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hillcrest Davidson & Associates (TX)

Individual called my place in employment and began harassing my employees regarding my debt. He told my employees why he was calling gave them information regarding my case as to the amount owed the reason for the call who it was owed to why it was owed and so forth. Collector has repeatedly called my establishment for the past hour nonstop every minute on the minute and will not stop calling and has said and threatened that he will call all day every day until the debt is collected. He stated he will come after me and everything until the debt is paid in full.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I have my auto loans with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I make the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my money go. Can you please help me and try to trade my car for suv and this people are not helping me.