davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Platinum Mastercard : - Has zero grace period.

- Requires a payment by XXXX XXXX on your monthly due date. 

- Charges {$25.00} late fee whether you pay one day, or even one hour, late. 

- Does not allow you to change your due date for 60 days following change of address. 

- Requires all payments solely via bank checking account, not with a bank debit card nor a credit card. 

- Advertises itself as a credit building credit card. 

I recently applied for this card, and several other credit cards and accounts, to raise my credit score due to a lack of credit card accounts in my credit history ( I pay cash ). However none of my other new credit cards require these predatory terms and conditions and I've incurred no fees with them. 

I made several payments on time but was a day, and then one hour late on 2 payments resulting in {$50.00} in late fees. Cap One 's policy grants one refund of a late fee per year and I was disqualified from the advertised automatic credit increase. 

This is why I never bothered with credit cards in the first place.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Choice Recovery, Inc. (OH)

To whom it may concern CHOICE RECOVERY # XXXX is an account that was legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive recently recieved a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-07
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: Bread Financial Holdings, Inc. (FL)

I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.
Consumer complaint received 2018-07-26
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: FIRST NATIONAL BANK OF OMAHA (NJ)

On a visit to XXXX, XXXX, ATM machine did not dispense the amount of {$200.00} XXXX Dollars ( = {$150.00} USD ). For this reason, I decided to file a complaint with the credit card company FNBO. Upon receiving response from the bank in question claiming that ATM machine was working as it should, FNBO refused to proceed with my dispute further and advised me to contact the bank involved directly. When I requested the contact information of this Bank/Merchant, random numbers and non working numbers were provided by FNBO who took the situation lightly completely ignoring the fact that I am being charged for a transaction that I did not receive any benefit from.
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

i was encouraged to attend XXXX XXXX in XXXX and i was discouraged at first when i was told i need money. Since i had no credit history XXXX ( school recruit ) said it would not be a problem for ME to receive aid just as long as an established financially responsible adult would co-sign. 
That's not at all what happened. At any rate i graduated but the school at that point showed its true colors. The XXXX XXXX XXXX where i completed my XXXX ( no pay ) did offer me employment, but at $ XXXX/hr. When i reached out to the school first or foremost requesting my Degree, they failed to do up to present day. I never received my degree. The school will not acknowledge nor did it ever follow up. Secondly the recruit lied and took out a mortgage on my mom from XXXX XXXX, which today Nelnet records show that they gave her the loan as a parent plus, but on their website it clearly states otherwise. And also i was trying to attend the XXXX XXXX XXXX XXXX, and the finance dept their told me that my mom took out a personal loan. That XXXX had said and disguised it as the parent plus. 
Honestly from the minute i completed my 180 hours XXXX. i was confused and uninformed as to why i was making to seperate payments. i never denied wanting to repay. i just always demanded that i have one payment and that it needed to be under me. i know that they did wrong. i filed a case more recently where i was actually given a number for reference. # XXXX the Nelnet acct # im beyond frustrated and concern with is XXXX. 
if you look and review it i would appreciate it. 
Sincerely,. 
XXXX XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

I get a daily automated call on my cell phone and home phone number from XXXX XXXX XXXX. I don't know what this is for as I don't have any debt. I used to get a call from a guy name XXXX but that is not me. I don't know who this person is but someone keeps calling me and harassing everyday.
Consumer complaint received 2018-07-26
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: Holloway Credit Solutions (AL)

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

We had a lease but the lease was not honored by the lessee. They continuously would come into our residence when we were not present with out our permission and we ( my husband and I ) did not feel safe so we moved out. Since we moved out they have continuously attempted to collect XXXX for the lease being broken. We've asked for a breakdown of the numbers and never received anything and they broke the lease to start. We left the residence in great condition and should not have to pay anything since the company didn't honor the lease to begin with.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I received an email alert that a fraud alert had been placed on my file XX/XX/2018. I called today XX/XX/18 to inquire as to why this alert was placed. After research, I was advised by the representative that the information had been received from one of the other bureaus and that is why it was placed. I contacted both XXXX and XXXX and neither of those even have an alert on my file.The representative removed the alert at my request however, I find it unconscionable that this company is able to do as they please with my credit file, lie about it with no repercussions.
Consumer complaint received 2018-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

While using XXXX XXXX I was told several times my credit report would not receive a negative his as I was working with XXXX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, XXXX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point XXXX still kept the account closed and did not remove the negative credit hits on my report.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

We paid off our car loan last week ( to get ownership of the paper title so we could sell the car to a new owner ). This week, Chase still debited their monthly payment from our checking account.

We have been trying on the phone for three ( bleeping!! ) hours now to get them to turn off that XXXX automatic payment. They keep transferring me from person to person and telling me I need to do it on the website, but on the website there is no account access because it lists the account as closed. 

As far as I am concerned they are making it impossible to cancel the automatic payment, while acknowledging the loan is completely paid off. That is stealing.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..
Consumer complaint received 2018-07-25
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: CCS Financial Services, Inc. (CO)

Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with XXXX, CCS and personal identifying information.

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. 

Defendants Experian willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants XXXX and CCS willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that XXXX and CCS did not have Plaintiffs signature on any documents, that XXXX and CCS had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants XXXX and CCS about this fraud.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I deposited a check on Friday, XX/XX/2018 for {$2500.00}. This check was for services to be rendered on behalf of the person who drafted and tendered the check to me. On Monday, XX/XX/2018, I looked at my account and saw the transaction was no longer pending and that the full funds were available. In light of the check clearing, on Tuesday, XX/XX/2018, I performed the services for which the check was tendered. I relied on the clearing of this check in performing my services. On Wednesday XX/XX/2018, I saw that there was a pending transaction, reversing the {$2500.00} deposit as there were " insufficient funds ''. I contacted Santander Bank ( my bank ) and they said it was strange and that the funds clear within three days. I said yes, it showed clear. I contacted the person who tendered the check and they were extremely apologetic and said they " accidentally '' deposited the funds for the purposes of the check in their savings account instead of checking and that they would immediately deposit the funds directly into my account. That never happened. On Sunday XX/XX/2018, this person stated they no longer need my services and that the money would not be replaced. I contacted the bank again on Monday XX/XX/XXXX and they gave me every excuse available. My funds cleared by the latest that Monday. How could they reverse it on Wednesday. What if that was my escrow account? What if they wanted a refund and I tendered the money back to the person ... only to get the original transaction reversed. The bank send a bunch of things about courtesy in making the funds available but how can anyone transact business without knowing the funds may be reversed? I asked the bank to submit a fraud claim but I was told to contact the person 's bank, XXXX XXXX. XXXX XXXX said I need to contact Santander. No one wants to give me answers, take responsibility or help me. Either she had the funds in the account and withdrew them after I performed the service or never had the funds in the account at all.
Consumer complaint received 2018-04-09
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. (NC)

On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.
Consumer complaint received 2018-07-26
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. (AL)

Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC (MO)

I received two robo calls today. One call came in on my work number and the other call my cell phone. They called my nephew as well. They stated I needed to call them back or there would be legal action. They stated I had not responded to previous attempts. I have never heard from these people before and have no outstanding debts
Consumer complaint received 2018-07-26
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. (SC)

They have one account saying that I owe the wrong amount for the most recent loan. On the oldest loan I have with them I paid the loan off and they say it is a collection and it should not be listed as a collection. I want the items removed from my report as they are inaccurate information.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CNG HOLDINGS INC (NV)

I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX  XXXX XXXX   there contact number is XXXX