davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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: DISCOVER BANK (TX)

violations of FRCA and HIPPA privacy and discrimination. 

I am a XXXX veteran small business co. I have numerous XXXX. 

On XX/XX/2021, I apply for a discover business credit card online. I have all important information to Discover card service. I am unaware that Discover will put my personal credit. If I was informed from the beginning of the process then I would not have completed the application. 

On XX/XX/XXXX, I called Discover and pointed numerous issues and was told by representative that I should have know that my personal credit hard inquiry would be pull and that I was disapproved for a business credit card because I have been a member with discover for only 9 months and the requirement is at least a year in order to get a business credit card. Where was this information disclosed during the application process. They did not call to inform me of such things as a consumer. The representative informed me that I should have known which lead me inform her of my veteran XXXX such as XXXX and XXXX XXXX XXXX. I believe my FCRA right and HIPPA privacy were violated. The representative disregarded my XXXX and unwilling to work with me. I have asked her to make the exception and talk with the leadership. The rep stated no one at Discover will make an exception. How can a company this big is unwilling to assist a disadvantage small business owner. I believe that she forced me into disclosing HIPPA privacy and discriminated against XXXX veteran. 

Additionally, my credit were locked with all 3 credit bureaus requiring companies to validate that it was me. Discover did not do this because it gave me an immediate " disapproved '' without properly verifying who is on the other end. 

What would have it hurts for Discover to assist this XXXX veteran small business owner?
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My complaint is against Toyota Financial Services ( Toyota Motor Credits ). 
I have submitted many disputes with XXXX to investigate Toyota who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however Toyota keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with Toyota showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). Toyota also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. Toyota reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- Toyota intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that Toyota have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach Toyota financials to discuss this issue, I was informed by Toyota that they do not own this account anymore and that now it's with a collection agency, but yet Toyota continues to claim that this is their account and continues to report my account fraudulently as charge off every month to XXXX XXXX 

4- Toyota fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- XXXX relies on Toyota to update my account, but XXXX never investigated Toyota to make sure that Toyota is reporting the correct information.
Consumer complaint received 2021-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

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

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

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

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

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

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

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

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (TN)

I have received several letters from SCA Collections. Each time I have responded with a written letter informing them that I do not owe the debt. I have included with each correspondence a copy of my billing statement from XXXX XXXX of XXXX XXXX showing a XXXX balance. I logged into the XXXX XXXX  website this morning and verified once again that I do not owe them any money. My insurance has paid their portion and I have paid my portions. I am mailing my 4th letter to them today asking them to stop contacting.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PDQ Check Exchange LC (UT)

I have been trying to resolve this issue with money 4 u for a year. They hired a private investigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in XXXX dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer goodshephard. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

This company has erroneous information listed on my credit bureau reports. They continue to list two of the same account numbers, both with incorrect information. This issue was disputed on XX/XX/XXXX and XX/XX/XXXX. The company never sent me proof or validation for this debt that is listed twice for two totally different amounts. The account was included in bankruptcy on XX/XX/XXXX. The date son the accounts are completely different dates. Nothing is matching or coinciding with one another. Partial payments was made to this account three times until XX/XX/XXXX when I realized this account was included in a bankruptcy. I gave money to a debt with no validation sent to me and incorrect information being reported on my credit reports
Consumer complaint received 2023-04-05
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. (NY)

XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

am being racially discriminated against! I do not appreciate how I am being treated as a XXXX woman, due to incompetence and False allegations are being made against me due to my race and its not fair. On Friday XX/XX/2021, Ive received an email from Capital One Bank Card Investigation and it stated that Weve decided to close your account ending in XXXX and XXXX because we observed activity that is inconsistent with our terms and conditions I was very confused to why my account was frozen, Ive never breeched any terms and conditions. out of frustration Ive contacted the number provided ( XXXX ) and Ive spoken with a XXXX male ( name unknown ) and he reviewed my account and stated he do not see why my account was frozen and that he will notate the account and reach out to the person that has frozen my account, its so happens the person who closed my account is a white woman ( name unknown ) he stated the the lady who has blocked my account was out for lunch and to give him my number and he will have her call me back, Ive waited and never received a call, Ive went to my bank speak to someone to demand an explanation and theyve reviewed my account did not see any suspicion on my account and that everything is currently active, the teller asked me did I speak to anyone regarding issue, I said yes and she stated that the account had not been notated, I said thats funny because the representative stated he will notate the account ; the teller called the card investigation department and was told that I have 3 open credit disputes, and I said that was false because all of those disputes are valid which were for a total of {$200.00} and Ive received an email yesterday stating my disputes have Been resolved and the claim will be closed, so why is {$1200.00} of my money being held? something is very fishy and its not adding up, I want my money back immediately! We are in the middle of a Pandemic and no one seems to care, I am currently unemployed and facing eviction! I have to pay my rent ( {$1300.00} ) and utilities Capital One Bank is playing with my livelihood and emotions, I am currently dealing stress and XXXX I am in financial distress, I need my money back! Please resolve this issue as soon as possible, thank you for your help
Consumer complaint received 2021-04-03
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: AMERICAN EXPRESS COMPANY (NV)

I was not late with 1. American Express XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
3. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX  XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.
Consumer complaint received 2022-01-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (ID)

Dovenmuehle Mortgage is the private-label subservicer of a VA backed loan for which my late husband was sole borrower. The property was transferred to me upon his death ( XX/XX/2021 ), and I am confirmed successor in interest. I have provided this company with my written statement of intent to take over payments on the note, as surviving spouse and Titled owner of the property. 

The Company has thus far refused to cooperate with VA Regulations and Federal Laws ( XXXX XXXX XXXX, Consumer Financial Protection Rules pertaining to the ATR rule, and VA Regulations pertaining to the unrestricted transfer of the loan ). The company has insisted that I must submit an application for assumption with associated fees, which is clear violation of multiple Laws and VA Regs. Furthermore, Dovenmuehle has refused to respond in a meaningful way to my repeated phone and email requests over several months to correct this issue. 

Dovenmuehle has been notified by the VA Regional Office in Denver that they are in violation of VA Regulations. The failure of the Company to respond to me now places them in violation of RESPA and my rights as Successor in Interest. 

There are no other beneficiaries to the estate.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I had another complaint submitted before, complaint ID # XXXX for you reference. 

I just received another letter from a different collection agency that works with XXXX, Amsher Collection Services , IncXXXX XXXX is still harassing me with the same thing as I complaint before. I don't owe XXXX any money, I asked my bank to dispute the charges from XXXX because they tried to charge me the services I already cancelled, and the claim center of my bank was investigating and waiting for XXXX 's bank 's response, but XXXX totally ignored my bank, no response at all for over 1 month. XXXX just kept harassing me by telling different collection agency sending me the letter to scare me. Whoever works for XXXX  should be ashamed for harassing the consumers that doesn't owe XXXX any money! Please help me with this! It seems like it will never end! 

XXXX is the worst!
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2019 I created an account with XXXX XXXX to monitor my credit because I am in the process of purchasing a home. I than realized that I had several inquiries on my report that I did not authorize. I reached out to the companies and the only response received was that I was to contact the credit bureaus. I typed out a letter to all credit bureaus with the information I did not recognize and sent it via certified mail on XX/XX/2019. Letter is attached. On Friday XX/XX/2019 Transunion responded with an explanation of what a inquiry was but DID NOT complete a full investigation as required by law. As a consumer and under the FCRA that is a injustice. I also have a credit alert on my account requiring anyone needing to pull my credit to contact me and that was not done.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I purchased concert tickets on XX/XX/XXXX from XXXX for {$300.00} and the concert was postponed due to the artist getting COVID. The concert was scheduled for XXXX XXXX originally and XXXX told us it would be rescheduled. Its now XXXX of XXXX and there has been no new concert scheduled. XXXX states they have no idea of the rescheduling date, and will not give a refund. The bank will not process a refund saying that XXXX will not allow it, however the people whom I was going to the concert with already got their money back. 

The bottom line when it comes to XXXX is that I did not receive the service I requested by the date it was promised and I still have not received the agreed upon service which was to see the OJays. As far as Chase is concerned, this is a violation of the Fair Credit Reporting Act as Chase gives 120 days from date of purchase to dispute a good or service NOT received as a chargeback. 

In general its a bunch of companies taking advantage of the people they are supposed to be serving and that keep them in business.
Consumer complaint received 2021-01-17
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. (IL)

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, XXXX, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MD)

The company illegally automatically charged my card without my consent on XXXX On XXXX I was charged a late fee of {$41.00}. My bill was due on the XXXX and the balance was paid on XXXX Yet Im still being charged an outrageous late fee which is the amount of the monthly charge. The company is continuously adding unnecessary fees causing the credit card balance to increase! The company is a fraud and is dishonest!
Consumer complaint received 2021-01-17
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (TX)

I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX  veteran I have been unable to obtain gainful meaningful employment.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned ERC is a new account and I have to fix this problem. XXXX an account listed on my credit report that just popped up under ERC collecting for a company called XXXX XXXX for {$880.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX XXXX then removed the debt and placed it with another company called ERC. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXXXXXX XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, director of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because I can not get my home to move my kids into, I will file suit with an attorney of my choice.