davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I researched XXXX located on the disclosures from XXXX XXXX apparently lender XXXXXXXX XXXX that number disclosures for XXXX comes up those disclosures are from them and administered by chemical bank I was also given applications from XXXX XXXX not located in the geographic area and or state for a federal guarantee of student loans I have screen shots of the law with the US Department of Education XXXX I am attaching the laws including the departure date located on the assignment to the Department of education I was a chemical bank credit card holder at the time these disclosures were given what's missing is the disbursement that the admister of loans did keep track of including XXXX XXXX college now XXXX university. Lack of disclosure of type of loans and not supposed to be issued these loans at all in the state of Illinois
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (VA)

On XXXX XX/XX/2021, I received a letter from a debt collector ( RFGI ) that I owed {$230.00} to a company named " XXXX ''. I immediately tried to call eharmony but there were no responses nor any valid online phone numbers. I followed up with a call to RFGI which I informed them that I did not have any services with XXXX. That same day, I filed a file report to notify my local precinct that my identity had been stolen to create this account. The case number is XXXX. 

I am requesting that your agency notify RFGI and XXXX that any charges are identity theft-related and should be removed.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX. 

XXXX - Notification from XXXX  to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX  to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem. 

I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative. 

XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made. 

XXXX Disputed the {$80.00} with XXXX XXXX  and had the charge removed because I returned the equipment already. 

XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration. 

XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum. 
XXXX - Filled dispute with XXXX  XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.
Consumer complaint received 2021-01-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-02
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: Experian Information Solutions Inc. (MA)

I opened complaints to XXXX and XXXX  regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and XXXX  have deemed to be incorrect.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a with CAPITAL ONE BANK USA N customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I had an auto account with Santander Consumer USA that was sold to XXXX XXXX and they offer me an settlement which I had paid successfully on XXXX XXXX of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XXXX XXXX they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account
Consumer complaint received 2022-08-19
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. (TX)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX
Consumer complaint received 2020-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I opened complaints to Transunion and XXXX regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to Transunion and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both Transunion and XXXX  have deemed to be incorrect.
Consumer complaint received 2020-05-02
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. (FL)

this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (TX)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

Old Navy credit card keeps falsely charging me interest on statement balances that are paid not only in *full* but exceed the payment balance due and have deposits made toward the next monthly statement as well. I started realizing this so I've paid the credit card off in full and still have been hit with fraudulent interest charges. I contacted the credit card company to complain over the phone and online and they either were not helpful or were of very little help. In one conversation, when I told the representative that the interest charges I was charged were false and I wanted them removed -- they told me I would have to call back at a later date because they couldn't do anything about the charges. This made no sense to me as its their job to fix these things. They claimed they record phone calls, so maybe they'll have the conversation as evidence of their continued fraud. I don't know how far back they've been falsely charging me. I think this has been going on for a long time. I learned about this from another old navy credit card customer. They asked me if I had been checking my interest rates because they were getting continually charged false interest charges, so I started paying my balances in full and monitoring mine, and sure enough... Fraudulent interest charges. They need to be stopped. They are stealing from families. It's criminal.
Consumer complaint received 2020-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (NM)

I have literally been trying to get this bill corrected for months now. XXXX XXXX XXXX  used the wrong codes to bill me for STANDARD XXXX XXXX  that is always covered under insurance. They coded it as " experimental '' which resulted in me getting a bill for the full price of the test. I called XXXX, they passed the blame to my doctor, I called my doctor, they said it's on XXXX. I told them repeatedly that I'm willing to pay whatever small amount I owe after the insurance covers their part, that's why I have insurance, yet I couldn't get any help. After months of calling, expecting calls back, not getting any answers, they put this on my credit report without properly notifying me. I didn't get any calls or letters from XXXX about this balance getting transferred to a collection agency. They billed me wrong, refused to help me, didn't properly notify me, and now they're damaging my credit. For your reference, the account was opened on XX/XX/2019, in the amount of {$160.00}. Thank you.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2022 I paid the law firm of XXXX, XXXX, XXXX that represented XXXX XXXX, XXXX XXXX Credit Card ending in XXXX the amount of {$2300.00} to settle the delinquent debt. I have requested multiple times and submitted the payment confirmation that shows this should be corrected as settled on my credit reports and closed on my credit reports and it never changes.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX noticed amount of XXXX was transferred from my capital one bank account by way of XXXX to another person who I have no idea who he was there was as phone number and a name I contacted my bank filed a claim but they said they can't help I am very frustrated I never use XXXX I need to know what to do here
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We received an email notification from XXXX XXXX notifying us that our USAA / XXXX XXXX account Was ypted on our credit report XXXX  and XXXX was noted Past Due! We immediately check the credit report and it was noted the the XX/XX/2020 was 30-59 days late for the amount of {$1300.00} .... we immediately called USAA/ XXXX and inquired as to why they reported the last payment received was on XX/XX/2020 ... We were told that we were never late ever and that I even reiterated a payment that was by their doing was incorrectly posted to reflect just a " principal payment! '' I was assured it would be handle quicker than the 30 day time, ( 12 days ) and that I would receive an email confirmation for my records of the error in posting within 15 minutes of speaking to customer service ... no email receive, it's been 24 hours ... The contact information is : USAA/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX
Consumer complaint received 2020-09-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.