davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
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 had opened a Double Cash Credit Card account with CitiBank back in XXXX of XXXX. The rep had stated that there is a promotional offer that if I spend {$500.00} within 3 months of opening the account, I would receive a {$100.00} cashback. By mid XXXX of XXXX, I had already paid off {$680.00} on this card. I waited a month and I did not receive the cashback as promised. I called in and spoke to a customer service rep, who checked my account and verified that I had indeed spent {$500.00} within the first 3 months and that I would be getting the {$100.00} cashback on my next statement. My next statement came in and I still do not see this money. This is when the pandemic started getting bad and I tried calling them numerous times and was unable to get through to anyone. I had also tried messaging them through the app and the person I chatted with told me that they can only see limited information on my account and that I'm not eligible for the reward. They told me I need to call in to speak to a rep to get a better resolution. Fast forward 2 months later, I called them again and this time the rep confirms that I did reach the promotional requirements, but they don't know why the money is not showing up in my account. They told me they would need to check with another department and that I would receive a " determination '' letter in the mail within 7 business days. 3 months later and still nothing.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery has yet again reported false information to the credit bureaus. They gave XXXX 4 new accounts and my score dropped 50 points. They did not provide any proof to XXXX that these accounts are mine. 

I contacted CFPB regarding Portfolio Recovery a few months back. They were reporting false information and has never closed the claim. When I called them about the 4 new accounts they stated that the original debt that I appealed is still open. They never provided solid proof for the first account. 

I would like to request again that they submit all documents with my signature for me to review. They continue to ruin my credit with no evidence and continue to get away with this. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (OH)

The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.
Consumer complaint received 2018-07-17
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. (CA)

I graduated in XX/XX/XXXX and reached out to my loan servicer about repayment options. The representative I spoke with said I qualified for a 12 month forbearance because I had not started working full time yet. I went ahead with the forbearance but after 12 months, my loan amount had increased so much that I could not afford to repay it using the standard payment plan so I enrolled in the income based repayment plan and was working towards making 25 years of payments to have my loan forgiven. When the REPAYE program was launched, I called Navient in XX/XX/XXXX and spoke to a representative who informed me that since I had a gradplus loan on my account that I did not qualify for the REPAYE program but if I consolidated my loans then I would qualify for the program. I was informed that by consolidating I would forfeit the 4 years worth of payments I had been making under the IBR plan towards loan forgiveness. I chose to consolidate in order to lower my monthly payments and enter the REPAYE program. Navient put me in the REPAYE program for 2 years with no problems but when I tried sending in my tax return this year to renew, I was placed in the ICR plan which increased my monthly payments from {$910.00} to {$2000.00}. I called Navient for an explanation and they said since I had a gradplus loan then I didn't qualify for REPAYE. I informed them that I was told by a Navient representative in XX/XX/XXXX to consolidate my loans to conform to the REPAYE program and that I have been enrolled in REPAYE for the previous 2 years. I told them I would never have consolidated and forfeited the 4 years worth of payments I had made under the IBR plan from XX/XX/XXXX-XX/XX/XXXX if the representative hadn't given me the incorrect information and asked them why I was enrolled in the REPAYE the previous 2 years without any issues. The Navient representative said they made a mistake but there was nothing they could do about it. Now they are informing me that I don't even qualify for IBR because of the consolidation and that I only qualify for ICR which I can't afford. If they had not given me the incorrect information in XX/XX/XXXX then I would have never consolidated and forfeited 4 years worth of payments and just stayed in the IBR plan.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I applied for barclay black card Was denied because I have sufficient credit Even though I only have two credit cards. I have great income and my debt to income ratio is perfect. 
I Was asked why I do not have credit prior to XX/XX/XXXX, thats simply because I was XXXXyears of age. They made their decision based on that.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello - my unused Visa had a value of XXXX dollars. It is expired. I contacted company phone # XXXX and requested a refund. The representative XXXX XXXX It's expired, and the card lost the {$50.00} value. I told XXXX I had not used the card. Will you send a refund? He said the card was used but did not know where. Will you help with the refund? 
Visa Card # XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I had some extra money and wanted to pay the balance off on 1 of my credit cards. I made a {$560.00} payment and scheduled it for the following week. I then decided I wanted to split the payment and put half on my other card so I tried to cancel the payment online and it wouldn't let me. I called on XX/XX/XXXX ( item # 1 ) and spoke to a Capital One rep and told her the details and she told me she has canceled the payment and that I can go ahead and make payments to both of my accounts. On XX/XX/XXXX my bank account had a return from insufficient funds and a fee. I look on Capital One account and the payment that the customer rep told me she cancelled actually wasn't cancelled tried to go through so Capital One account gets a returned Online ACH Payment ( item # 2 ). Because of this, both of my Capital One accounts were closed. I understand that they can close any account at any time for no reason but the decision was based on a Capital One error. So I start calling the regular customer service number and I would get a manager and they kept telling me they would look into it and get back to me. For months this was the same story, sometimes I would deal with the fraud department. Always ended up with no call back to me. On XX/XX/XXXX I tried the Capital One XXXX account and the first attempt was the same outcome, They always say they will pull the call and listen to it and get back to me, but never happens. On XX/XX/XXXX I try again with XXXX ( item # 3 ) and XXXX or XXXX help me and said she looked into the case and listened to the call and agreed that the Capital One rep told me she canceled the payment. She then told me she should be able to get my accounts reopened. But she never got back to me me after that so I again sent messages on XXXX and that eventually led to another dead end. I then sent a fax ( item # 4 ) and got someone from the executive office to look into the case XXXX XXXX XXXX. She listened to the call and did some investigating and finally got back to me and told me they can't reopen the accounts because they have been closed for too long but they will start two new accounts and transfer my balances over. Then a few days go by and I get a call and XXXX tells me that the underwriters won't approve my 2 accounts because my credit score dropped way down and that I have no ability to pay.
Consumer complaint received 2021-09-20
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. (PA)

Experian is deliberately causing me hardship and defaming my character as well as intentionally violating my consumer rights. I wrote to Experian on XX/XX/21 requesting they update/ correct my address and send me a updated credit report in the mail. Which they have not. Also on XX/XX/21 I mailed them a letter requesting they correct my credit report and send me a updated copy, at which I have still not received a response nor a copy of a updated Credit Report in the mail from them. I feel they are intentionally ignoring my requests and continuing to report negative, inaccurate accounts on my credit report.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NJ)

I am not disputing the debt of XXXX dollars. I am however making a complaint on the collection reporting to my credit on a weekly basis with sometimes reporting it three or more times a week. Every time they report this debt my credit rating drops. They are treating it as a new debt every time they report. My understanding is that they can report and update on a monthly basis. XXXX  has refused to take this into account when I filed the original dispute
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I applied for a mortgage loan modification thru Shellpoint and have been working with XXXX XXXX, I received notice on XX/XX/XXXX that my File was not approved because the proposed modification would go up instead of down by {$10.00} ( XXXX Dollars ). My current rate is at 10.99 %. My current maturity on my loan is XX/XX/XXXX 11 years left, They stated they could not extend out my maturity even though this is a 30 yr loan. 

I wrote a letter of appeal to Shellpoint addressing the following XX/XX/XXXX SHELL POINT MORTGAGE Re : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, PA, XXXX XXXX Attn : Loss Mitigation Dear Loss Mitigation, I am writing this letter regarding the decision for my request for Loan Modification. I understand the decision for modification was declined because my new scheduled payment was set to increase by {$10.00} which in your guidelines I would not be eligible for assistance. As you can see my financials attached, I have a surplus of income of {$560.00} and I can afford the payment and would gladly accept the terms. But I can also contribute {$5000.00} towards the delinquency to bring my amount owed lower and clear the {$10.00} deficit also as a good faith payment. Please help me I am XXXX years old and do not have the strength to start up again, please help me. 

Shellpoint stated that based off my investor they would not allow a maturity extension or even take my {$5000.00} i offered to help get my mortgage payment lowered so I can cure the {$10.00} deficit. I have done some research online and have communicated with other homeowners with the same investor and have discovered that they can indeed extend the terms. CFPB please help me save my home, I'm an old man just need help saving my piece of the American pie. 

Please, Please help with Covid-19 I can not risk to be out in the street as I am a prime candidate for Covid. 

As well when I asked for the Net Present Value results the pages are blank and did not provide them.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoNation Enterprises Incorporated (CA)

There is an account for CIG Financial reporting on my credit reports. On at least 3 occasions in the last year I have requested information on this delinquent account. On one occasion they responded with information that did not belong to me. Apparently this is an auto loan account. Upon my request they submitted " validation '' of the account. According to their records, the charge off was for a XXXX car, which I have never owned or purchased. I subsequently responded advising that they are reporting inaccurate information on my credit reports. This is when they stopped responding to my requests. 
Please help me. I am trying to purchase a home for my children and this account, this overtly inaccurately reporting account is stopping that process. 
I need some muscle to help me fight this. I've never purchase a XXXX car. This is what they have as a charge off on my credit reports. I would say that falls in line with inaccurate and must be deleted. 
Thank you in advance.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Received an alert on my monitoring that a new collection is reporting with XXXX XXXX XXXX. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

At convenient times for reporting my credit score is lowered due to the negative reporting of XXXX. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?
Consumer complaint received 2020-10-24
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. (IN)

I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

issue 1 ) Equifax keep adding XXXX  XXXX XXXX back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I attempted to temporarily lift freezes on my credit with all three credit reporting bureaus so I can apply for a mortgage. XXXX  and XXXX  were super easy. Equifax is still XXXX  me to this day. I have been on the phone for hours attempting to unfreeze my credit. I am getting nowhere and just getting excuses from Equifax. Their automated verification system is complete garbage. It pulls spurious and irrelevant references. Their website is down. The people in the foreign phone banks are rude and condescending. It should not take an act of congress to temporarily unfreeze my credit!!!
Consumer complaint received 2021-04-06
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: Account Discovery Systems, LLC (NY)

XXXX is the worst company you could ever in the world, they will steal your information and use it elsewhere. They sent me a card that can not be used, they took my money, & told me there is nothing they can do. Their customer service representative loves arguing with you and telling you wrong leaving you feeling like youre wrong & youre not a customer. I wouldnt recommend this company. Definitely apply for XXXX XXXX they have lovely representative.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020 I submitted this : I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of  mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban. 

I received a reply from the company stating, " As stated in the Restricted Activities & Holds section of the User Agreement, your remaining Account balance will be held for up to 180 days. We will make any remaining funds, less reversals or other applicable debits, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. Due to the global concerns over COVID-19, we have implemented limited staffing of PayPal Customer Support for safety precautions. We apologize for this experience but can assure you we are still committed to providing world class customer service and can be reached via email and chat. Alternatively, you can use the self-service options found on your Account. '' I was  lied to by the company. On XX/XX/2020, the company illegally withdrew my entire balance and said it was a payment for " PayPal 's damages caused by Acceptable Use Policy violation ''. This is ridiculous. I need my money now. I was blatantly lied to by the company and I am frustrated.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

I applied for the refinancing of the existing mortgage in XXXX of 2020. They never responded to the application and claimed it was lost due to technical glitches. They finally found it a few months later. They have all of the required documents. In XXXX they claimed there were issues with the way the house was registered with the county property appraiser 's office and they could not conduct an appraisal of the house. They claimed that the house was registered as a single family and to have it corrected as a multi family. I was able to get the issues corrected, all during a pandemic, in  XXXX, they conducted the appraisal. After many calls and emails they claimed that they had to run my credit again as it had been awhile since it was pulled. They pulled it and now it is XXXX and there is still response or timeline from them as to when the refinancing will be closed. They respond very slow and or response at all to my emails and voicemails.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (AZ)

Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX Equifax & XXXX ). 

For Equifax : The Date of First Delinquency is XXXX XXXX and the Original creditor is not listed. 

For XXXX : the report says the account will be On Record Until : XX/XX/XXXX which would make the Date of First Delinquency XX/XX/XXXX, that is a three month difference from the date Equifax is reporting. 

This type of inconsistency causes accounts to re-age and affects my credit.Any deviation from the standards outlined by FCRA Compliance jeopardizes the integrity of the data. FCRA 623 ( a ) ( 5 ) ( A ) states " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report and should be the first XXXX delinquency that led to the status being reported. This date should be 30 days after the Due Date with the Original creditor. If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA Section 623 ( a ) ( 1 ) ( C ) the Furnisher has the responsibility to prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. This account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.