davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (TX)

In XX/XX/2019 I paid off the credit card balance by phone with a representative of Continental Finance Matrix Card division. 
During the conversation it was clearly discussed to close out the account and the representative advised once the funds cleared the account would be closed and acknowledgement was received on XX/XX/2019. In XXXX I received a collection call regarding past due funds and I shared with the representative the XXXX conversation and confirmation and was advised this would be corrected and resolved ASAP. 
In XXXX another call and another conversation with the party stating they did not show that but would get resolved. This party was not pleasant to deal with and I felt threatened. 
In XXXX again more calls and was told funds being assessed to account including late charges and must be paid. Also received a collection letter and my credit has been reported as late as well as seeking {$74.00} in fees for an account again paid off and closed in XXXX. Each time the party being spoken to has become unpleasant and threatening. In good faith I paid the debt in full, and was told resolved and now being threatened in collection and credit report reporting as late. I am on social security XXXX but in good faith resolved this and seek this being closed and my credit being corrected
Consumer complaint received 2022-04-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC. (CO)

On XX/XX/22, request was initiated for RobinHood to transfer account holdings. The reason why the account was closed was that RobinHood did not provide client the means to transact at the market price at the time of initiating the buy of shares. This is very poor service when compared to all other stock trading platforms. 

The account was valued at {$160.00} and Robinhood charged me a {$75.00} fee to transfer the account. I call this action " robbing from the poor! ''
Consumer complaint received 2020-09-05
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. (DC)

Experian continues to report fraudulent activity on my credit report I have provided XXXX XXXX with all of the necessary documents order law and they have removed the portfolio account from my credit report. 


By law Experian must report all accurate information XXXX XXXX has removed and deleted the profile from my credit report
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the account.
Consumer complaint received 2020-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion completed their investigation about an item I disputed with 10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX. They did not remove it from my credit. Apparently its an electricity bill in Massachusetts. I live in XXXX, FL. I have never owned an electric bill in Massachusetts. They need to go after whoever lives in the actual place that receives electricity from the electrical company and not me. I have no idea what type of information the electric company requires to start a bill. I have no knowledge of what personal information of mine they have. I have no knowledge about the bill. It just popped up on my credit report and messed up my credit. I had great credit. When I reached out to 10 XXXX XXXX, they were unhelpful and told me I should do a police report. I can not do a police report from XXXX, FL.
Consumer complaint received 2017-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Dear Representative, I had my loan on a deferment due to a hardship caused by unemployment. My loan was on a 1.25 % APR because I made my payments on time for the last 17 years, it was 1.75 % fixed rate, and it got reduced to a 1.25 % fixed APR. Since Navient took over the only thing I had had is issues. They change my deferment payment plan many many times without contacting me, and without reason. Their employees do not know what they are doing. 

After my 18 month deferment ended, they started to charge the auto debit payments again, which was declined because I had a new bank account number. They did not email me or contact me to notify me that a payment was going to be charged. I gave them the new information twice as the first one was not processed due to their incompetence. 

Now, they are charging me the wrong interest rate of 3.00 %. My rate was changed when I went to the deferment payments. Deferment payments should not change the APR in the account, I contacted them, and spent hours in the phone, and they always give me a different response.
Consumer complaint received 2024-03-20
Product: Credit 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 (AP)

XX/XX/2024 my child and I were refused boarding passes at the counter when we went to checkin. We were given multiple reasons as to why we were being refused. The first was that the plane had already boarded ( over an hour early ) this wasn't the case as the same manager was still giving others behind me their boarding passes. Immigration officials told the airline multiple times they need to give us our boarding passes, he still refused. 

The issue I am having with capital one is that they failed to communicate with me that the merchant had responded. I spoke with XXXX employee number XXXX who refused to assist me and listen to the call made to capital one XX/XX/2024 as I asked the representative why was I being charged for something I'm disputing. She advised me to call my bank for a stop payment, instead of informing me the balance was there because the merchant had responded and Capital One now needed documentation from me. I thought all was ok and they hadn't heard anything from the merchant as I hadn't received any information from the bank. I'm being told it's my fault for not getting in information I was never notified to send in. XXXX tried to avoid this fact, I even informed her she could listen to the call, which lasted 19 minutes and 19 seconds. I haven't received any correspondence from Capital One until XXXX after I called in again about the balance. XX/XX/XXXX and XX/XX/2024 I was informed XX/XX/2024 the merchant advised Capital One that the tickets were still available for me to use. XX/XX/2024 I asked for documentation stating that the airline had actually sent this information to Capital One, it's in my email, but has been removed from my documents on the capital one website. I also can not access it through my email, but it's there. I spoke to a manager who informed me the information I had received was in fact false and now I needed to rush in documentation and she isn't sure if I would still be refunded. I tried to send in documentation immediately through their link, however, it wouldn't let me and the representative didn't know what to do. I called back again and a representative was able to assist me with submitting the documents showing the merchant is now stating they have no recollection of the transaction. However, I'm being told to reach out to the merchant who is also sending me in circles and then saying they don't recognize the transaction. 

All of this would've been avoided if capital one had informed me the merchant had responded when I called in about the dispute. Another time had Capital One representatives not lied that the merchant stated I could still use the tickets and that's why the dispute is closed. I'm tired of being lied to and given the run around by all three parties and would like my money back as I was refused goods that I paid for.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with SUNRISECRED plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1
30.00}
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NV)

I received or returned a phone call on XX/XX/2020 at XXXX hours to/from credit management asking how would I like to take care if a XXXX $ bill place with them for collection before it was added to my credit report. I told them over the phone whatever information you have please send it in the mail and I would respond to a letter, Credit Management never mentioned over the phone that I can dispute the debt. So after the call, I sent a letter stating that I am disputing the debt, and asking for validation and verification. They said they  received the letter on XX/XX/2020. On XX/XX/2020 I receive a notification saying a new collection account has been added from them. I called the same day and asked about it and the said the sent a letter on XX/XX/2020 and I asked what did the letter say and they said it was system generated and could not tell me, and wait for a manager or sup to call me back by the COB tomorrow. I waited and I called back on XX/XX/2020 and was told that they dont know and its been 30 days and I didnt dispute so they added it to my report anyway and its going to stay there until I pay it, even after mentioning I never received anything in the mail. And they told me that I have to contact the original creditor to get details, so I did. I called XXXX XXXX on XX/XX/2020 XXXX hours, after being transferred they told me that I couldnt get any info on the account because I didnt know the security pin or question, and was redirected back to the collection agency that has all the information and details of the account.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I complained to the FCC about XXXX withholding a refund. I won the complaint and XXXX refunded {$270.00} on a Citibank debit card ( although I wanted a refund in the form of a check ). I used the debit card in XX/XX/XXXX, and only {$260.00} was available. When I checked the balance at www.prepaid.citi.com/XXXX, I saw an " account maintenance fee '' was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$3.00} each month for a total of {$9.00}. I know {$9.00} is n't a lot of money, but I want it back because XXXX owed me a refund and they should not be allowed to use a repayment/refund vehicle where the consumer is charged a fee. Also, in reading the law in California, that is not legal.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I have sent TransUnion 3 letters over the last 105 days asking them to send me the original application of these fraudulent accounts. They have yet to do so. 
They sent me 2 replys saying their investigation is complete with no proof.
Consumer complaint received 2019-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (MO)

contacted the company and explained it was not my debt and they agreed and said that they would make note and that I should dispute with bureau. 
I disputed and it still appears on credit. 
so they lied and numerous attempts to contact again I get hung up on and speak to rude people. 
Obviously there is fraudulent business going on and I need answers. 
please help!
Consumer complaint received 2019-08-14
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. (NE)

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (GA)

On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a dispute for unauthorized transactions to my capital one debit card. They are refusing to give me my money back when I didn't do any business with the merchants in question. I would like my money back. One claim is {$850.00} and another is {$1200.00}
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hi, I have a Mortgage with Bank of America, during the market crash we tried to refinance using the making homes affordably program. bank of America lost our payments and application information many times ( at least 7 ) and said it was not submitted either in time or not at all. depending on who i contacted at the time this information was incorrect and they did show the payments and all the submissions we sent and were read back to me and confirmed to be there by Bank of America employees. 

This lead to foreclosure starting and many legal fees for me to try and fight it, I final received a preditary modification with rely bad terms, it also included all the cost that Bank of America caused, these were added on the end of the loan as a {$300000.00} balloon payment, I had no choice but to sign it or loose my house. 

I asking help getting these cost removed and get the better rate as we originally applied for as these costs were not my fault and Bank of America will not accept responsibility for them, i do have all the payment information and the applications and transactions with Bank of America but there is a lot and it fills at least one bookcase due to all the re-submissions and re-applications, I did make temporary payments on two applications that they said one was not the correct amount even though the agent confirmed the amount with my Wife and I, the other they said did not qualify due to the house value that was later revised and confirmed they had made a mistake. they said once it was closed nothing further could be done with it. 

The only way I got them to do the current modification was to use a very rich investor friend to threaten that he would remove all of his investments if the did not do something, I got a call from the vice president of Bank of America stating they would only provide the preditory modification due to his request. 

Please help i do not know what else I can do as the Bank has done nothing but lie about processing my making home affordably application
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation (GA)

On XXXX XXXX collector name XXXX XXXX sent me a letter stating I owe a debt of balance of {$5400.00} via mail. This letter had several violations. Heres a list 15 USC 1692d ( 2 ) fee {$500.00} Quality 2 15 USC 1692e ( 2 ) ( A ) fee {$500.00} Quality 1 15 USC 1605 ( A ) fee {$500.00} Quality 2 15 USC 1692f ( 1 ) fee {$500.00} Quality 1
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion disclosure report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2019-08-14
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. (NE)

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-14
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. (NE)

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I contacted Transunion about my credit on XXXX, XXXX and XXXX. My credit was XXXX. I got 4 hard inquires removed because its been the full 2 years so they got dropped. THEN my credit when DOWN to XXXX. You would think hard inquires being dropped would INCREASE my credit score, because its a good thing to happen. I called and asked why it dropped. I spoke to FOUR different employees and none of them could explain to me why it dropped. I believe there has been a mistake in my credit score and needs to be fixed. Nothing else changed for it to drop. Everything else stayed the exact some. 

Transunion did NOTHING to fix it or explain why it changed. They couldnt give a reason. 

This was on XX/XX/2019 when it dropped. 
Inquires removed were XXXX, XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

in XX/XX/XXXX I came back to america from XXXX, were I have been for about 3 years. I called XXXX XXXX to ask them if they could send me my money and they told me that my investment went to XXXX XXXXso I called them, and they said the check for XXXX was already cashed at bank of america on in XX/XX/XXXX I received the copy of the check but I did not cash it.I received no funds from XXXX or bank of america. I am upset about this I am currently on XXXX, and I am now too old to work. so XXXX dollars is alot of money .please help me..thank you XXXX XXXX
Consumer complaint received 2020-07-06
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. (PA)

I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (CA)

On XX/XX/2019, I refinanced my home loan. The previous company handling the loan was : Statebridge Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Statebridge Company , LLC, ( the former loan servicer ), has {$12000.00} and {$820.00} in escrow funds that they claim has been dispersed on XX/XX/2019, but I have not received the funds. 

My concern lies in that repeated e-mails go unanswered, and telephone representatives can only repeat that their records show that on XX/XX/2019, the funds were dispersed. They are unable to tell me to whom and in what manner. 

An additional concern is that a check with the XXXX XXXX XXXX, they have a " D '' rating and a current alert, for their history of complaints, and unresponsiveness.