davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I took {$4000.00} cash advance on XXXX for one year promotion plan for 3 % interst rate from Capital one credit card. 
They started chaging me interst on XXXX itself. Now they change the plan and only telling me that this was original credit card opening promotion. I got letter for promotion on month of XXXX for next one year promotion. 
They changed me three month heavy interest charges around $ XXXX.During this COVID-19 duration credit card company is looting customer. Also customer service person does not know who these number shows up in statement. 
My info card ending XXXX
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Had asked them to refinance my loan with a lower interest rate back when sallie-mae held the loan and also when navient bought this account i had asked them to lower the % rate. I also have receipts going back to XX/XX/2007 totaling over {$10000.00}. The initial loan was {$14000.00}. With navient the balance is still {$14000.00} plus {$110.00}. When i asked navient about previous payments that were made to sallie-mae of ( {$10000.00} ) there answer was that was for interest only. Should you need any receipts i have all of them since conception of this loan.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (VA)

Midwest Recovery Systems, LLC has placed a collection account on all three of my credit reports, and reported to all three credit reporting agencies, XXXX, XXXX, and XXXX, about a debt that I do not owe to them, nor did I ever receive any written documentation about this alleged debt. This does not allow me the opportunity to dispute the validity of the debt. This company is in violation of the The Fair Debt Collection Practices Act ( FDCPA ) in its practices. 

By reporting an alleged debt that was never validated or confirmed to credit reporting bureaus, this has caused my credit score to plummet significantly. I feel this is illegal and also tactical on their part to manipulate consumers to pay on debt without going through the proper procedures as mandated by the FDCPA. I also question if this company is licensed to collect debt in my state and if they are trying to collect on alleged or phantom debt, which may go beyond statute of limitations by state. I question the legality of what this company is doing to collect on unverified and unsubstantiated debt.
Consumer complaint received 2020-04-24
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. (CA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (CA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (VA)

Hello Last XX/XX/XXXX, I sent XXXX $ to my brother, to XXXX from XXXX XXXX, VA, USA. My brother wanted to get money yesterday but Bank said this transaction is already expired. he couldn't get money from XXXX XXXX. After than I went to the Walmart, when employee said i should connect your company and finally i will get money back. Please can you figure it out?
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently noticed my credit score from Transunion dropped by 14 points. My student loan balance dropped but that should not impact my score. Due to COVID19 I am taking advantage of the CARE Act emergency forbearance but this also should not impact my credit score per the act below : Section 3513 of the Stimulus Package : 19 ( d ) REPORTING TO CONSUMER REPORTING AGEN20 CIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

I filed a dispute with Transunion and it appears my Lender XXXX has marked the account as in forbearance. However, per the CARE Act this should have no impact on my credit score. 

It appears other borrowers have had a similar experience and some credit bureaus are readjusting the scores.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

On or about XX/XX/2019 i applied for a car loan with XXXX NJ  XXXX XXXX   and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (NY)

I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX
Consumer complaint received 2020-04-24
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: RoundPoint Mortgage Servicing LLC (CA)

There has been some misconduct on my credit report, there are accounts that should not be on there that i did not authorize to be open. my identity was taken advantage of and i am trying to clear this up. please help restore the good name i work hard to build.
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners (NC)

On XX/XX/XXXX I spoke with an employee at Pendrick Capital LLC and she was very rude. She would not give me an email address, fax number, or her full name. She over talked me the entire time so I asked to speak with a supervisor. This company has repeatedly outsourced a Medical account that does not belong to me and reporting this inaccurate information onto my credit report. A Supervisor contacted me on XX/XX/XXXX. She stated her name was XXXX. After researching the company I find out that her name was XXXX XXXX. She would not give me any transparency pertaining to the company and she deceived me with a fictitious name. She also called me from a New York area code when this company is based out of Virginia and XXXX. She also did not want to give me an email, fax number or full name. Ive been a victim of identity theft and I told this company this 2 years ago. They removed it from my credit after sending them a police report but they continue to shop this account around to different collection agencies that are putting this account on my credit report. This company has a tremendous amount of lawsuits and continue to operate in an illegal matter and needs to be shut down. There website is very vague and gives not much information. 

They have placed a XXXX and XXXX medical account with a company called XXXX XXXX XXXX and it appears on my credit report as if I opened it on XX/XX/XXXX. This is inaccurate and its breaking the FDCPA Laws.
Consumer complaint received 2020-04-24
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. (AZ)

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. Trans union, XXXX, and XXXX. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX  this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (GA)

XXXX XXXX XXXX SWBC Mortgage Corporation Sr. Loan Officer | NMLS # XXXX | GA # XXXX | XXXX # XXXX Shared my personal and confidential Financial information without my consent on XXXX and caused my family extreme stress due to her unethical actions.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

Enhanced Recovery CO L is reporting an old debt from 2016 as a new debt to my credit bureaus. This incorrect information would cause the debt to report longer on my credit report than allowed by law and also has more of a negative effect on my credit score as making me appear more of a risk to lenders by seeing this as a new debt.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sessoms & Rogers, P.A. (NC)

Recived a notice from Sessoms and Rogers PA ON THE BEHALF OF XXXX XXXX XXXX about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.
Consumer complaint received 2020-04-24
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 (FL)

XX/XX/XXXX See attatched Credit Reported by USAA OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. USAA CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. USAA OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) XXXX  end XXXX now deliquent 2 ) XXXX  XXXX ID THEFT case XXXX XXXX ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I took out a predatory auto loan with Prestige Financial over a year ago. This has been the loan from XXXX. I was fresh out of ch XXXX BK, and the lender took full advantage of me in a vulnerable state. I'm paying 23.99   % int, and the account manager named " XXXX '' has been harassing me via txt/sms messages and emails for over a year. After a year, I have only paid {$92.00} towards the principal after 12 payments which is complete robbery. I have used loan calculators and can not come up with how they are doing their math. We are currently in a pandemic, and lenders are supposed to work with borrowers, but not this company! I have a string of txt messages dating back months and during the current pandemic of XXXX harassing me for payment even when I'm 5 days late. She continues to threaten to repo the car even during the pandemic and they reported me to the credit bureau 30 days late while I was furloughed due to corona. There is no way this company is operating legally and I need help. I have the text/sms thread of all of XXXX 's continued threats even after I told her to stop harassing me at work she continues to threaten to repo the vehicle.
Consumer complaint received 2020-04-24
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. (NY)

I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Reported : XX/XX/XXXX - {$500.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX  XXXX, XXXX - {$500.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-24
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. (AZ)

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, experien, and XXXX I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX  and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Consumer complaint received 2020-04-24
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. (FL)

Transunion refuses to remove inaccurate fraudulent information on my credit report. They are in violation of the FCRA. I have tried to dispute this information to no avail.
Consumer complaint received 2020-04-24
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: JPMORGAN CHASE & CO. (PA)

Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (HI)

Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.