davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC (NM)

XX/XX/XXXX - wrote headquarters informing them as stated on website regarding the circumstances on being forced to get an amount I did not ask for. 

XXXX - call customer service, promised a call back by general manager XXXX payment due of XXXX XXXX payment due went from XXXX up to XXXX. 

XXXX contacted head quarters again - the manger that was supposed to contact me was on vacation XXXX recieve voicemail from someone from company Called back left message on voicemail XX/XX/XXXX Emailed XXXX Emailed company head quarters XX/XX/XXXX recieved a collections letter XXXX Balance Due is XXXX XX/XX/XXXX - made a XXXX payment XXXX, along with other critial needs for my children. 
I asked for XXXX that is all I could afford. Regardless at most XXXX a month. 
Store manager gave me a low interest rate deal ( I was a loyal customer with a previous pay off I barely could do ) I take the new Max I qualified for being back XXXX in 24 hous and be a low interest rate. 
Being my oldest daughter was missing and I was highly stressed out I took my check and deposited it. 
Now I realize I was scammed and now in jeopardy of loosing my car. I make XXXX in XXXX! 
I can't support XXXX kids, XXXX with severe needs on XXXX. I asked for something with as much as XXXX a month payments. 
If I loose my car because of this greedy company scam, I will loose my daughter. This was very unfair and a scam on someone who is low income and vulnerable because I have good payment history. 
I fear I will loose my car soon, although I have attempted to reach the company before it was a threat to our livleyhood.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (MI)

wanted to make payments using a different payment method. I was told i could not also called and asked if i could switch the payment due dates, to make it more convenient for me to make payments on this loan. They insisted i could not.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on thisUS DEPT OF ED/XXXX XXXX account for months. XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My complaint is with XXXX XXXX and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with Capital One which was farmed out to XXXX XXXX for collection. I had paid off 2/3 of  the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen XXXX has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and XXXX XXXX  called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes  later with XXXX XXXX usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which Capital One credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe Capital One, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.
Consumer complaint received 2018-07-30
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. (TX)

XXXX XXXX XXXX XXXX reported a XXXX XXXX XXXX on my credit. I never signed nor did I authorize this company to put this car on my credit or in my name. I called to dispute the matter and was advised by XXXX, with XXXX XXXX XXXX XXXX that the car would not be removed from my name until the payments were brought current. I explained to her that the delinquent payments have nothing to do with me and it's not my responsibility to pay them. I then spoke with XXXX himself and he apologized for the inconvenience and agreed to remove the car from my name. He went on to explain that the car is only on the paperwork in their office which he agreed it shouldn't be. After reviewing my credit report this car is still showing under my name. I asked XXXX to correct this and she advised me I could go online and dispute this with the credit bureau 's myself. This was fraudulently done and I am asking for your assistance to have it corrected.
Consumer complaint received 2018-04-06
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: CITY NATIONAL BANK (CA)

On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. 

On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. 

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. 

On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. 

On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. 

I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2016 I contacted XXXX from Chase 's XXXX, FL call center concerning an unauthorized late fee on my XXXX XXXX consumer credit card. XXXX was not willing to remove an unauthorized and undeserved late charge on my XXXX XXXX Credit Card. I made my normal monthly payment which is 400 % of the minimum due, and to my surprise and disgust Chase charged me a {$27.00} late fee. XXXX was rude, unprofessional and couldn't fully explain her position on behalf of Chase. This is unacceptable. I recommend looking at the overarching consumer credit policy compliance at Chase. Unsatisfactory and unacceptable for the American consumer.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (NV)

I received a late report on my credit, I contacted the company Santander consumer USA they indicated that I cosign for my sons car which I did and he was rejected. 
Then I requested copy of the contract which I received on XX/XX/2018 I reviewed and my signature is not my. So I ask to speak to the fraud department and the have send me a form to fill. 

I never received notices that my son was late on payments I would had a conversation with him, I believe that XXXX XXXX falsified my signature and that is fraud. 
I have a E-Mail send by my son to describe what happen.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS XXXX XXXX XXXX I am having some issues with my address on my credit report and my current Married name. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. PLEASE REMOVE THE FOLLOWING UNKNOWN ADDRESSES : XXXXXXXX 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
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX Midland began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX. to all bureaus
Consumer complaint received 2018-07-30
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: LEXISNEXIS (FL)

My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

Sat. XX/XX/2018 at XXXX  I called Chase regarding my credit card. FIRST, I get a message that my voice is being recorded and can be used to identify me.

SECOND, when I speak to a customer service rep, she has a heavy accent, has no idea what I am asking her & then start reading a script.

I do NOT want my voice recorded and saved/used for identification purposes.

I do NOT want to speak with a person who does NOT UNDERSTAND ENGLISH, when I am calling about financial transactions. Chase advertises US based Customer service ; this customer service rep was located overseas and could NOT UNDERSTAND SIMPLY STATEMENTS. Chase should be investigated for FALSE advertising and collecting personal data ( my voice ) WITHOUT MY PERMISSION
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (OR)

This complaint is associated with Wells Fargo Bank. I have had multiple accounts with Wells Fargo including a VISA credit card. Over time, I accumulated points by using that card. Recently I attempted to redeem rewards online without success. I went to a local Wells Fargo Bank to find out what was going on. I was told that Wells Fargo closed my VISA account. They maintained that I hadn't used the account for some time and that they sent a letter to me notifying me that the account would be closed. I have no knowledge of any notice and, according to my card, it is not set to expire until XX/XX/2018. The person at the branch was also told that since my account was cancelled, all of my accumulated points were cancelled, as well, even though my online account still states that the points are valid. The person at the branch attempted to get a copy of the letter purported to have been sent to me but was told that a copy of that letter was not available.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

XX/XX/2017 for XXXX collection agentic XXXX XXXX no action was taking no repose from them or nothing I dispute the account with them and nothing I would like this account remove I never open a account with XXXX XXXX
Consumer complaint received 2018-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (ME)

I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? 

The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GVA Holdings, LLC (CA)

Target called me, advising that someone had tried to open up a Target Credit card with my social security number. The reason why it was flagged was that I already had one.

The hard inquiry is still showing on XXXX. Can you please contact all three credit bureaus and advise to remove.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I have not signed nor consent any other contract with my student loans besides XXXX in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called XXXX has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (CA)

I financed a vehicle with Bridgecrest and made the first payment on XX/XX/XXXX. Unfortunately, on XX/XX/XXXX I had to file bankruptcy to stop a debt from an ex-husband. All of my bills were paid on time and I had not missed any payments, the filing was simply to stop a tax debt that was not mine. When I filed, I notified Bridgecrest to let them know that I would be reaffirming the loan, however an employee name XXXX XXXX contacted me to inform me that even though I would be continuing to pay for the vehicle, they would no longer report the payments ( I was willing to live with that ), and also that they would be REMOVING the account completely from my credit file. This I DO NOT AGREE WITH. Other than for punitive purposes, there is no reason to remove an account from anyone 's credit report. This is a form of " Re-aging '' and I believe it's illegal. I spoke to another employee there who stated that reporting was voluntary, and that's fine, however, once a company decides to report that account has to remain with accurate information. My other accounts remained but reflected the bankruptcy status. I even mentioned this to the bankruptcy trustee and even he stated that he had never heard of such a thing. I paid that account on time until the surrender and I want that account put back on my credit for it has re-aged my credit reports by its removal. That account was opened in XX/XX/XXXX and the credit file that it was removed from states that my oldest account is only 8 months old. This has in essence re-aged my credit report. At the time that Ms. XXXX informed me of there unscrupulous policy, I had her email a copy of my payment history for my records and for proof. Please let me know what documentation you need as this is in direct violation of the FCRA. I am trying to resolve this issue through this method however, I am prepared to take Bridgecrest to court as it has caused some financial hardships with having to pay higher interest rates because with this account being removed from my file, it appeared that I had not financed a car prior. I also have two finance managers from two well-known dealerships that are willing to make a statement and/or testify if I have to take this to court verifying the above statement. The original contract date was XX/XX/XXXX. Reaffirmation amount was to be {$18000.00}. Bankruptcy case number is : XXXX