davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections (ND)

I believe that this phone number is for a debt collection XXXX. There are several issues with the way they are attempting their practice:1 ) they have called from the following phone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX - all of these phone numbers when GOOGLED do not reflect XXXX nor any company even close to that of a Debt Collector. Rather, for example on phone number ( XXXX ) XXXX when you look it up online, it states it is for XXXX XXXX in XXXX XXXX, SD. This is a deceptive practice and as a debt collector, they should have to clearly identifiy themselves. 
2 ) the company has continued to call my cell phone repeatedly daily and when I do not answer the calls because I am at work, they have recently attempted calling my phone at work - which I never provided authorization or the phone number to do so and I would like them to stop calling that number IMMEDIATELY. 

Further if they are attempting to collect a debt, why are they not leaving me a voicemail message with a call back number? This is a shady practice. My voicemail clearly states my name so even leaving a brief message of this is XXXX calling for XXXX XXXX regarding her account, please call us at XXXX would be better than nothing. XXXX XXXX XXXX practices need to clearly be investigated for proper actions.
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion put a hold on my credit score, and everywhere my credit card applications are denied, I am so stressed out about what to do.

Transunion never let me know the reason for the hold I have to buy gifts and
groceries for XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX all credit card denied Please help me I always pay all bills on time my credit score was above XXXX before Transunion hold Now I am unable to check my score Dont ruin XXXX XXXX fr me
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CO)

Card issuer closed my account without my knowledge or permission. I was not late or had any adverse reason to close it. When I called to inquire all they would say is that I closed it and if I wanted another card I would need to reapply like a new customer. This will hit my credit and affect it. I dont agree that I should have to apply again when I already have the card and applied & was approved the first time. I tried to dispute the closing of the card but the card issuer does not care and they are of no help at all.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear NAVY FCU, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

I have tried to update a wrong credit report with cbna and was told they were unable to help me and correctly update an account debt that was sold to another creditor and since been finalized and then I tried to contact experian directly to help me and they do not have a way to speak to any one, only automation phone. Very frustrating.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (NJ)

We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX XXXX CA.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Paypal Holdings, Inc (FL)

THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PLANET HOME LENDING, LLC (MO)

In accordance with fair credit reporting act Planet Home Lending has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCITON. 
This letter serves as a formal complaint that you are reporting inaccurate information and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reported accurately including every notation, date, balance whether reported or not. 
I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment ( s ) were not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if they lacking proof that these payment ( s ) were made late, please update the payment history to PAANL status ( paid as agreed, never late ) or remove the late payment history and mark it as paid according to consumer protection laws.
Consumer complaint received 2024-10-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (GA)

Concord XXXX XXXX stated in XXXX  that the account was cancelled, per Allegation 1 on the letter, on file with CFPD. I need any late 180 day noted on my credit report that happened after that date removed to be deleted off from my credit report since the account was cancelled. And you no longer own this collection account. 

your phone number on file doesn't work XXXX ) XXXX
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (CA)

I got an email from PayPal saying I owed {$600.00} plus dollars for some crypto!

I don't use crypto it is not a PayPal it's not legit it was a XXXX  debt collecting statement I guess!
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CT)

A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report
Consumer complaint received 2015-06-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (IL)

I am running a payment behind because originally I was told this loan would pay off a loan I have at Heights Finance. When I sent the check to XXXX it did n't pay them off. So now I have two payments. The manager of One Main, said she could n't do anything. With that said even though I have a payment scheduled in thier system they continue to call and threaten legal action. They have called my employer and sent mail there as well. Now they have also sent an employee of thiers in. My boss and I have both told them not to call me at work.