davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.
Consumer complaint received 2018-09-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (NE)

On XX/XX/2017 I was involved in a car accident in where I was at fault and I didn't have insurance at this point because I had just gotten the car, police then arrived on the scene ( because the people I hit called them to make sure everything would go smoothly ) the police then issued me a ticket and I was ordered to go to court. I went to the court date and was ordered by the judge to pay all fines including their deductible on their vehicle and did that in a timely manner and I was made to believe that everything was settled in court. Yesterday I received a call from a women at Wellman Weinberg and Reese company LPA.  She was very rude, threatening and abusive from the very start of the phone call, she then proceeded to tell me that I owed over {$3000.00} to the insurance company of the individual that I got into the car accident with. I tried to explain to her that everything was settled in court and that this happened almost a year and a half ago, she proceeded with being rude and threatening with no explanation.. She again threatened me with a lawsuit with zero explanation other than " That was the law, this is the insurance company ''?? I continued to try and argue the point that this happened going on two years ago now and she gave no explanation in return ... She continued to be extremely rude until she hung up on me and then I received one last threat of a lawsuit and was hung up on. I would appreciate your help in this matter.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I opened a Capital One secured credit card. In XX/XX/XXXX, i requested to close the account and use the secured portion to pay the balance of the card and close the account. In XX/XX/XXXX, i received a notification from the 3 credit bureaus that I subscribe to, that a 30 day delinquency had been placed on my credit report for this account. I contacted Capital one to discuss the issue to no avail. in the same month ( XXXX ) I immediately disputed the late which showed 30 days past due. The 30 day past due remained on the XXXX XXXX report but had been DELETED and did not appear on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX but on the XX/XX/XXXX report shows not only 30 days but 60 days late as well. This negative reporting has hurt my credit rating as well as, I've been denied credit based on this negative reporting. Again, the account had been previously removed from my credit file and re-inserted again as a delinquent account. PLEASE HELP. Also, i send a letter on XX/XX/XXXX to the credit bureaus asking them to delete the inaccurate information immediately.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TRANS UNION, XXXX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction.

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit. 
I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We deposited XXXX to our bank of America account on XX/XX/2018 and never spent that much money had over XXXX in our account. It is now saying we are over drawn how can that be when we only spent XXXX what happened to the rest of the money. Very unhappy as even the withdrawals do not add up to the money we had in the bank where did the rest of the money go?
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Back in 2006 took out the first year of college loan in the amount of {$14000.00} second year took out loan for about {$15000.00}. This particular loan has been sold several times. 
I have paid for 144 ( 12 years ) back on this loan both together around $ XXXX/mo. = which equals {$34000.00} that has been paid back on loan.

Statement as of today I still owe {$13000.00} on one and XXXX on another. Called the current owner of the loan Navent requested original documentation of loan from 2006 and how payments have been applied. Waiting to get this information BEFORE I pay another dime to them. 
Refusing to pay them back ... I have already paid them.
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (GA)

NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL  DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good morning, My name is XXXX XXXX I financed a vehicle ( purchase ) thru Bank of America back In XX/XX/2005 all payments on time never missed a payment payed off in full on time. On my credit reports it reflects late payments, the worse part is its still reoccur on my credit!! My Vehicle has been pay off on time as promised there should be no reason why this is still reflecting. I've contacted them ( over the phone, via email ), on numerous occasions, I compiled with there request, I sent all documentation as requested, with at times no response whatsoever. Contact the XXXX continue to try and communicate with Bank of America with no results it seems to me that BOA has no proper division that handles these types issues and quit frankly they don't seem to care. We the consumer are stuck with no place to vent to correct theses matters, All three credit bureaus have instructed me to reach out speak to Bank of America, Simple right!? Why didnt I think of that!? ... Unfortunately there's no one that handles these situations over the phone nor email I continue to get the run around with no success. A bofa representative that try his very best to assist me basically said no one can help you here please stop with calls and emails there's nothing we can do for you. He apologize and recommend me to lawyer up. I'm not no where near able to afford an attorney, any assistance would be greatly appreciated sincerely. Below I will attach all my contact information if need. Thanks again for you time. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I am trying to seek a monthly billing reduction from Navient Student Loans. I have trouble paying the {$1100.00} monthly payments and was informed by a supervisor ( XXXX, XXXX, on XX/XX/2018 at XXXX XXXX ) that my parents ( retired, XXXX y/o, limited income ) are financially liable to help because they cosigned on loans 10 years ago for my XXXX degree. Additionally, I have been labeled " delinquent '' because a customer service representative ( XXXX XXXX on XX/XX/2018 ) told me to not pay until well after the XX/XX/XXXX because I was on " administrative forbearance. '' My payment is initiated for XX/XX/XXXX ( confirmation # XXXX ) and as a result, I was told by XXXX today ( XX/XX/XXXX ) that I can not even speak to Customer Service because of this. Additionally, I was told by XXXX ( XX/XX/2018 ) that my parents could be released as cosigners and informed today by supervisor XXXX that it not even an option because I'm considered " delinquent. '' He also said that department does not even exist. XXXX assured me they would review the phone conversation tapes and investigate internally, however stated I am responsible to pay Navient {$1100.00} monthly, which will likely increase because the interest rates are variable. I have never been more angry at myself for seeking an education as I am now struggling financially because I chose to go to school. 

I have done my best to " trim my finances '' and no longer go out to concerts or movies with friends, I cut my own hair and no longer make purchases on my XXXX XXXX XXXX XXXX credit card ( the only one I have ). My vehicle has been paid off for several years and I paid it early and never missed a payment to XXXX XXXX XXXX XXXX. I want to be a homeowner someday or purchase a newer vehicle, but those, at this point, are just dreams because my student loans require the largest portion of my income. I have moved up professionally and always am trying to stay positive, help others and address my responsibilities. 

I just want help lowering my payments to Navient and removing my wonderful, kind-hearted parents as cosigners. These loans, although they cosigned, are my own and I will do what I can to make Navient whole again and no longer be under their umbrella.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Last Friday, when I was driving, I got a phone call from XXXX, the speaker told me that they will mail me a letter next 10 days. 

Yesterday, I got this call again, they said that they will mail me the letter next 7 days. The caller said that I have opened the card in XX/XX/XXXX, but the fact is that I opened the card in XX/XX/XXXX. I had to ask to get an interpreter for me, and I was told that I need wait for one hour, so I told them that I am going to go on an international trip next week. I hoped that they could email the letter so that I could get the information quickly otherwise I will not read the letter next month. They agreed that, and we have checked my email box address. 

Today, I got the call again, and I was told that they will mail me the letter next 7 days. 
This is Chase bank customer service : they did not show any sincere to me. 
Knowing in advance that my English is not good, but the person spoke deliberately fast to confuses me. In fact, I even did not recognize the person is male or female because of the speaker 's speaking so quickly. I hope they can take their customers seriously.
Consumer complaint received 2018-09-26
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. (KY)

On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )