davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AR)

Due to COVID-19 The first call in XXXX -- do not have date. They just wished me luck basically and said they understood..offering no assistance. 
I called again right after the Care Act was signed and they gave a number i tried to call and couldn't get through. Called back three times.

2nd Phone call on XX/XX/XXXX. Phone disconnected several time. Kept calling back. 
I spoke with a representative that said they were putting me through a program for COVID and that they would send me a confirmation. They were waving late fees and interest. It was to my understanding nothing would be reported on credit report during this time. Credit Alerts from XXXX  sent me something stating Citi Double Cash flagged my account 60 days past due. I was unable to pay XXXX and XXXX. I tried to call the company. The automatic system said first it didn't recognize my account. Secondly, when I finally got through that it stated due to unforeseen circumstances they were temporary closed. I have all the documentation stating when I spoke to them concerning my account. I tried to call credit agencies unable to get through. In the meantime, my credit is being ruined due to reduced income. I need someone to investigate this matter. Thank you.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (CA)

I was charged {$500.00} through XXXX XXXX on my XXXX card. This is a scam, I called XXXX  to try to get my money back and they said because the transaction was made using XXXX XXXX that they couldnt help. This company always gives me the runaround and never seems to want to help.
Consumer complaint received 2023-08-11
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CU has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I purchased a car with US Auto Sales in XX/XX/XXXX. This car had a finance charge of nearly XXXX on a XXXX car. The car was financed for nearly XXXX. XX/XX/XXXX the car broke down and left me stranded in XXXX in XXXX. I called about the warranty the following day and the service was denied. 4 times between XX/XX/XXXX and XX/XX/XXXX the car was in the shop for the same light/code. 

I had payments deferred with US Auto because paying for the car with no help from the warranty made it difficult to keep up with the payments. I applied for a trade in in XX/XX/XXXX and was approved but never got the car because the company shut down. The loan moved to Westlake Portfolio management in XXXX, but I was never able to make any payments between the closing of the company and the transfer to WPM. However I had late payments reported on my credit report, then the entire history with the company was completed deleted causing my credit score to drop over XXXX points. 

WPM does not honor the warranties and has no record of my payment history to prove my payments that were made to US Auto. Instead they want me to restart my loan. Additionally, a call to the warranty company on the original contract verified that a warranty was paid for in my end but never purchased by US Auto sales. I purchased a car in good faith and the car company acted fraudulently.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (KY)

This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of bridgecrest that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

The following addresses are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

Transunion refuses to investigate and delete unrecognized inquries, I have sent certified mail disputes, and phone disputes since XX/XX/2022 and they refuse to delete these unrecognized inquries. They told me they will sit there for 2 years without filing a FTC report. I would never accuse anyone of something I'm unsure of which is why I requested an investigation. This should not be allowed. Plus they are very rude people. No compassion or respect for anyone. As soon as I call the first thing they say is " Are you calling again to dispute inquries? '' I'm just at a lost for words on how they can treat people this way.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (IN)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights! Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2023-08-13
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 (UT)

I HAVE CONTACTED XXXX AND XXXX AS WELL AS LexisNexis TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

I previously filed a claim for debt protection with Synchrony Card Protection on my PayPal Smart Connect account, which was approved, and I believe I need to disclose for tax purposes. 

Synchrony Banks card security debt protection insurance is violating federal tax law and putting those using their product at risk of failing to pay proper taxes. 

Synchrony Bank is legally required to report any taxable income due to debt forgiveness to the government and send the relevant forms to the insured so they can properly file taxes. 

Today, two Synchrony Bank card security representatives told me THEY DO NOT MAIL ANY TAX FORMS TO NOTIFY THE GOVERNMENT OR CONSUMERS OF THIS TAXABLE INCOME. 

I told them this is unacceptable and that they needed to provide me with the proper tax documents in accordance with federal law. They said company policy does not allow this. I demand that Synchrony provide the relevant tax documents at the end of the year.

NOBODY is asking them for tax advice, we just need the forms to take to our tax preparer.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by emailing me on XX/XX/XXXX which is a FDCPA violation.
Consumer complaint received 2023-08-13
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: Westlake Services, LLC (UT)

Good afternoon, I denounce that without legitimate authorization, was consulted by 5 financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Consumer complaint received 2023-08-10
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: PENNYMAC LOAN SERVICES, LLC. (PA)

In accordance with the fair credit Reporting act Pennymac LOAN - XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ant open end consumer credit plan as late for Any purpose
Consumer complaint received 2020-04-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has literally been doing absolutely nothing to help me for eight months to resolve my dispute with this rental car company. The company already admitted to overcharging me by {$400.00} for no reason and then they had an itemized bill that didn't even add up mathematically. Thus, they still billed me for an additional like {$700.00} worth. Thus, even those charges were bogus too and I told them that if someone was not happy with the service, then as a credit card company I have the right to dispute it even all together. I told them that it was clearly fraud if they arbitrarily charged my card for no reason on an amount, and the other charges were fraudulent as well. They have been rude, nasty, and disgusting. They've also denied my claims in my checking account for charges that were made for a service that I did not use, which was XXXX, and I have never had a XXXX account. On another card that I have with them, my XXXX card, the same thing occurred, the merchant XXXX overcharged me and they refused to correct it with the evidence as clear as day. My credit score and report has been deeply impacted, because they keep charging me late fees and interest by this and they literally refuse to do anything at all. I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not fair at all. The last person I spoke with was horrific and said the case is closed and hung up in my face. I have recorded all of the calls that I have had with Capital One concerning these issues. They are lazy, and behaving like a corner store pay-day loan company. I will take them to court. All of their associates and supervisors are uppity, ignorant, and inept. I have received absolutely no help from them at all. I hate this company so much. The last time that I had a problem with a bank and credit card and complained about them vigorously was about 12 years ago. And guess who it was? XXXX XXXX. And guess who had lawsuits from here to XXXX? I received several checks from them, because of their fraudulent behavior in which I sounded the alarm years before they went down. XXXX XXXX XXXX XXXX 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 I'm not an XXXX. This is why I have kept meticulous records, voice recordings, and correspondence of their indolent, rash and XXXX  behavior. I want them to follow the law and the regulations governing them. Please assist me because I am dealing with XXXX XXXX. Thank you.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc. (IL)

Certified Services Inc continue to violate my consumer rights by reporting this alleged debt. Certified Services Inc is a third party to the agreement therefore they hold no rights to enforce the contract. 

XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee.
Consumer complaint received 2023-08-10
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. (GA)

I have contacted Equifax concerning Items on my credit report that our incorrect. I have not been able to get a response from them concerning the matter. I am a victim of identity theft and according to FCRA 605B 15 USC 1681 : you are required to block & delete all info from the report attached here in 4 days. My information has been compromised Or Im a victim of identity theft.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (CA)

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a computer programmer and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took XXXX months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership XXXX probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Telerecovery Corporation (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, # XXXX, XXXX TX XXXX, United States XXXX XXXX XX/XX/year> Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount Claimed : {$7300.00} I request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt.

Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-13
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. (FL)

I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX, 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX