davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit Management This is the third complaint that I have put against them and they have updated each time you guys the CFPB contacts them They update my credit report with a different lie This is illegal They continue to play with the CFPB Y'all need to fine!!!! this company and shut them down completely This is highly illegal They put on my credit report and I have the documents below that my debt that was not even my debt I was an authorized user on the card in question more than 15 years ago The original opening day was XXXX of XXXX XXXX I was added as an authorized user in XXXX of XXXX This debt was never mine to begin with that's why XXXX XXXX closed it and left it alone because I sent them a cease and desist so they never sold my debt to this company I've been saying the same thing with each complaint and XXXX  XXXX looked into it further and it took them weeks That's how I have the new updated dates and they're saying they never sold anything to Midland credit and that this company is a fraud and a sham and they don't know how they get customers information??? The company sent to all three credit bureaus that my card was seriously past due which is a lie!!!! That it was sent to a lawyer and I was prosecuted which is another lie!!!! It's 86 negative remarks from this company on my credit that need to be removed now The whole company needs to be deleted from my credit altogether They put on my credit that the account was in collections That's a lie!!!!! And they did this 3 days ago for a debt that's from XXXX originally-And then updated in XXXX!!!! This company also has the same account in the clothes section of my credit report with 86 negative remarks This company needs to be shut down This is a violation of my fair crediting act This is a violation of the law completely This company is a lie They are not lawyers They are not bound by any type of government law these people are moving lawless and again my credit score dropped over 100 points how is this allowed for these people to continue to do this and they've done it three times this month of XX/XX/XXXX for a debt that they don't even own they can't own it because I sent out a cease and desist more than 15 years ago I want them removed now from my credit report completely and every last negative mark and I want it to be removed from collections and close accounts It needs to be deleted off completely The debt is more than XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MO)

I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.
Consumer complaint received 2017-12-09
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. (LA)

I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or XXXX.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (WI)

Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. 

I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. 
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. 
The last time I explained this, I was rudely told I can not access my account because my account is past due. 
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? 
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. 
These charges added on need to be removed along with all of the interest and finance charges. 
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? 
How does a consumer get help for this? 
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (IN)

In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-12-10
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. (CA)

A week before my scheduled airline flight, I realized that Chase had not sent me a renewed XXXX XXXX card ( XXXX XXXX is a perk that comes with the credit card and includes airport lounge access ). On the week of XXXX XXXX, I called the customer service number on the back of my Chase XXXX XXXX credit card. The customer service representative told me that if I did not receive my XXXX XXXX card before my trip I would be able to access any lounge and any fees would be reimbursed as part of the agreement. 

On XXXX XXXX before my scheduled flight, I did not receive my XXXX XXXX card and therefore I accessed a XXXX lounge and I charged my Chase XXXX XXXX credit card with the understanding that I would be reimbursed for the lounge access, per the customer representative recommended action. 

On the week of XXXX XXXX, I called Chase customer service to make sure that they were processing my reimbursement, however they stated that they could not reimburse my lounge access because the lounge that I accessed was not part of the XXXX XXXX umbrella. However, during my initial call on the week of XXXX XXXX, customer service did not state that the airport lounge had to be within the XXXX XXXX umbrella and only stated that any lounge access would be reimbursed. 

For my call on the week of XXXX XXXX, I asked for my case to be escalated and for my call to be reviewed. I called the following day and asked the status of my request and customer service stated that my case for reimbursement had continued to be denied. I feel that Chase is going against their word and is ducking their responsibility to, me, a lifelong customer.
Consumer complaint received 2017-12-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (AL)

On XX/XX/XXXX I telephoned Discover Bank that I would not renew my Certificate of Deposit ( CD ) which would mature on XX/XX/XXXX. I requested that the matured value in the amount of {$170000.00} be returned to me. 

On XX/XX/XXXX, approximately two weeks after the CD maturity date I had not received the money and I phoned Discover Bank and complained. The Bank account service person ( ASP ) acknowledged that the check had not been cashed and said that a new check would be issued. 

On XX/XX/XXXX, having not received the money, I sent a certified letter to the CEO of  Discover Bank stating my complaint. A copy of the letter is attached elsewhere in this document. 

On XX/XX/XXXX I still had not received the money and again complained to the bank. I was again told that a new check would be issued. I said that I should receive compensation for the banks unreasonable delay in returning my money. The ASP said the bank would deposit twenty dollars ( {$20.00} ) in my savings account as full restitution. I declined the offer. 

On XX/XX/XXXX I received an Extremely Urgent XXXX delivered package containing the check -- -28 days after the CD maturity date. I am now again requesting that Discover Bank compensate me for the unreasonable delay in sending the matured value of my CD.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
Consumer complaint received 2017-12-20
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. (NC)

Federal Tax Lien Docket # XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$550000.00} State Tax Lien Docket # XXXX XXXX {$100000.00} State Tax Lien Docket # XXXX {$25000.00}
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.
Consumer complaint received 2017-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Gurstel Law Firm, P.C. (MN)

Collector XXXX XXXX in MN continues to try to call and collect on a loan involved in a lawsuit with XXXX XXXX XXXX ... collection is suppose to cease until further notice on loans with XXXX XXXX XXXX
Consumer complaint received 2017-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (VA)

I AM APPLYING FOR HARDSHIP ASSISTANCE AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX/XXXX/XXXX AND WENT TO THE UNDERWRITING DEPARTMENT FOR FINAL STAGE. NO DOCUMENTS ARE BEING REQUESTED SINCE THE FILE HAS BEEN DEEMED COMPLETE AND I ASKED IF MY FORECLOSURE PROCEEDINGS HAS BEEN PLACED ON HOLD AS I READ THAT IN THE FHA GUIDELINES THAT SHOULD BE DONE ONCE DEEMED COMPLETE AND PER MY SERVICER WHICH IS PACIFIC UNION FINANCIAL STATED THAT THEY DONT HAVE TO AND THEY WILL NOT. BY THE SOUND OF IT MY SERVICER HAS GONE ROGUE AND NOT WILLING TO COMPLY WITH FEDERAL REGULATIONS AND FHA GUIDELINES. I NEED HELP ...
Consumer complaint received 2024-08-26
Product: Credit reporting 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. (MA)

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank has a deposit practice of " holding '' a deposit depending on account activity for up to 7 business days if you deposit a paper check. It is their policy to hold these funds regardless of funds availability by the sending institution. 

I was advised today that based on my account status, EVEN IF THE SENDING INSTITUTION VALIDATED FUNDS AVAILABLITY they would withhold the funds that had already cleared my bank account for UP TO 7 BUSINESS DAYS. Again, regardless of the funds being cleared and available for my account, they will not release the funds.
Consumer complaint received 2017-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.