davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
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. (CO)

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (FL)

So this company contacted me a few months and said if I don't settle the matter with them I would be in a lawsuit. I haven't missed a payment before but today I didn't realize I wouldn't have the funds on the agreement date and I told them when I get paid so I would pay the following week. After trying to explain I have no money and won't be a le to pay today she agreed. 

Then she transfered me to a male. He was very abrasive and predatory. Saying that I am required to pay today we are on a recorded line with agreement and if I violate the agreement alluded to lawsuits. Then when I explained I had no money said fine to arrangement then threated that I'm lucky they didn't charge me {$300.00} a hour for this. 

Also without my concent or knowledge they left a voicemail on someone I knows phone giving my personal information trying to collect the debt.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

I have reached out to the company about incorrect information, incomplete account information, and identity theft. XXXX XXXX XXXX in the amount of {$1400.00} was paid in full with the original creditor. I have submitted receipts to the XXXX bureaus but they are not responding. National Credit Systems in the amount of {$9300.00} was settled. They have not responded to my receipts of payment. XXXX in the amount of {$17000.00} is not my account. They have not responded to my afadavit. Another National Credit Systems in the amount of {$20000.00} is reporting as open when in fact it was settled and closed. These erraneous accounts are affecting my ability to obtain credit to be able to provide for my family.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NY)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I sent over an identity theft documentation and XXXX said my request is missing essential personal identifying information. File # XXXX XXXX also said I did not provide account specific information, such as the name of the creditor. They also said the description of my identity theft was too vague. Because of that I'm resubmitting with everything they requested. Capital One by way of identity theft has given my information to XXXX, XXXX, XXXX and other unknown third parties without authorization. XXXX XX/XX/XXXX I signed a ( retail installment contract ) which created a blank endorsement without my knowledge. Capital One Auto Finance claimed they loaned me money. Capital One Auto Finance has to show me accounting/ ledger to have a valid claim. Capital One needs to provide the original contract as well. If not, this is considered identity theft which is whats going on. Capital One is using bait-and-switch techniques to secure funds. Capital One is using my name to secure funds that I do not owe and damaging my credit report. This is identity theft. 
Capital One Auto Finance also placed me as a co-signer when I am the principal on this account. Why did they do this? This is not a mistake when Capital One has a copy of each contract. I am not the co-signer on this account. If I dont cooperate with Capital One they damage my credit profile and my mothers XXXX  XXXX credit report. The fraud occurred on XX/XX/XXXX account number XXXX XXXX XXXX and XX/XX/XXXX for account XXXX ( XXXX XXXX ). Capital One has no standing within these accounts unless they can produce the proper paperwork. Im asking Capital One Auto finance to send a certified copy of the ledger signed under the penalty of perjury showing I owe them an alleged debt. I sent Capital One correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dated for remedy. Capital One Auto Finance did not provide the ledger. Once again I requested the accounting to prove this loan to be true, nothing. Capital One has failed to provide me with proper documentation showing me the ledger that they loaned me money. According to **15 USC 1602g ( see below ). Capital One is using my name to coerce payment, damage my reputation through credit reporting, without my authorization. I sent documentation to capital one stating I want full disclosure on this account. Capital One sent the retail installment contract without full disclosure. Capital has no proof that I owe any debt to them. As a result of that, Capital One is using my identity to cause harm through damaging my credit report like I mentioned above. Capital One does not have my consent to send my information to any third party.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

I am writing to urgently request the release of XXXX on the title for my vehicle, a XXXX XXXX XXXX XXXX. The purchase price of this vehicle was {$24000.00}. 

Under XXXX XXXX XXXX  XXXX, the statue of limitations for the collection of this type of debt is XXXX years ( since XXXX ). As this period has elapsed, legal action for collection is no longer applicable. 

Additionally, XXXX XXXX  XXXX XXXX MANDATES that a lienholder ( Ally Financial ) MUST provide a release of XXXX when the obligation secured by the XXXX is no longer enforceable. I would like to also clarify that both XXXX insurance ( {$750.00} ) and extended service contract ( {$2200.00} ) were included in the loan. However, I did not utilize neither of these coverages which was an additional {$3000.00}. You can not collect payments on products that was closed by Ally Financial before the end of the term. 

Given these circumstances, I respectfully request that you process the necessary documentation to clear the lien on my vehicle title as a matter of priority. 

Below are the relevant details related to my loan and vehicle : Loan Account Number : XXXX VIN : XXXX Make/Model/Year : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (AR)

I was offered a loan over the internet. And filled everything out online. I borrowed XXXX and have been paying on this almost for 2 years, The payment is drafted out my account of XXXX two times a month. I was not aware that only XXXX goes towards the pay off the rest is a service charge. And they charge the billing/service fees 2 times a month. It will take forever to pay off the loan, unless i can hand them the full amount of the XXXX after i've made soooo many payments, Never borrow from this company its a horrible company who pray on the struggling.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Aldous & Associates called me unprovoked and refused to state their reasons for contacting me. They gave me no confirmation of who they are, I have received no written notices or any other form of communication. While trying to understand the nature of their business, 3 different call receptionists hung up on me. I work in a highly regulated industry and understand my rights and the regulatory necessity to state the purpose of a call, especially when attempting to collect a debt in XXXX. After doing much research it seems they are debt collectors who like to use the guise of a law office.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

Hello, This concerns XXXX and my loans with that company. I have been paying on them for years but went into grad school so have had them in deferment for a year. 
I tried to log in a few months ago and the website said that my login information didn't work, that there were changes being made and issues with the site, and to wait. I couldn't log in for weeks. 

I tried to log in yesterday and it looks like XXXX has been changed to XXXX. My log in information does not work, and my social security # is not recognized at all. 

I called ALL numbers provided on the site for assistance, and my loans are nowhere to be found and there is no history of me being a client/borrower by using both my social security number and my mom 's ( who originally it was under ), and both of our birth dates. 

I am extremely concerned that my loans are with another company accruing interest and penalties for late payments and i have received NO notifications from XXXX about this change or what to do. The last email I received from them was XX/XX/2017 when I requested a pin number for a password change. 

I'm not even sure if these loans are private or federal and if theyre from my XXXX XXXX University XXXX or my 1 year at XXXX University. Please help.
Consumer complaint received 2018-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MD)

While my husband and I were separated in XXXX, he manipulated me into refinancing our home.He abandoned me and we were behind in mortgage payments because he had been having an affair and racked up bills that i didnt even know about at that time.He promised to help with the new mortgage amount ( also promised that he would end the affair and return home but didnt ) even though he knew I couldn't afford to pay it myself because I became XXXX a few yrs earlier.For the refi the home was appraised at {$210000.00} which in no way was true ( was only worth {$140000.00} ) but this is a perfect example of how & why the housing market crashed in XXXX, and how i became under water with the refi loan.So I got stuck paying for a home worth {$210000.00} at 8 % when in reality was only worth $ XXXX.I 've struggled all this time, filing Chapter XXXX to save my home but got behind again due to the fact that my live-in boyfriend also became XXXX.I need a home forgiveness modification or to refinance at a lower rate for the proper amount of the homes worth.We just need a 2nd chance with the appropriate loan for 2 people that are XXXX and receive XXXX XXXX  XXXX benefits monthly.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for this Gold Delta Skymiles card in XX/XX/2018. It offered XXXX miles after spending {$3000.00} and a {$50.00} statement credit after my first Delta purchase. I didn't receive the bonus miles or that statement credit because American Express said I had held the card before. The terms of the offer never mentioned that I would be ineligible for the offer because I had the card before.
Consumer complaint received 2018-08-02
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: AMERICAN EXPRESS COMPANY (TX)

An unauthorized charge dated XX/XX/2018 was made in the amount of {$1800.00} XXXX. I took a taxi from the airport to a downtown hotel and the flat fee was {$40.00} plus I added a {$8.00} tip to the card reader. The taxi driver apparently swiped my card to another device which captured my account number from the magnetic strip. After I left the taxi the taxi driver drove to a location 1.3 miles away and canceled my original transaction and manually entered my credit card number and charged me {$1800.00}. The taxi driver used XXXXXXXX XXXX to process the fraudulent charge. XXXXXXXX XXXX provides for signatures to be recorded by an electronic device such as a tablet and generates a receipt with the location of the transaction indicated on a map. The taxi driver forged my signature on a fake receipt using XXXX XXXX. 

I received an alert from American Express about the charge which I noticed early on the morning of XX/XX/XXXX and I contacted American Express to tell them that it was a fraudulent charge. XXXXXXXX XXXX sent American Express the fraudulent receipt forged by the taxi driver and closed my dispute and told me that in their opinion it was not a fraudulent transaction and that I needed to resolve the over charge with the merchant myself. 

The charge to my account is listed as from XXXX and XXXX. I can not find such a company on the internet and assume it is not a legitimate business. I requested in writing that American Express provide me with the legal name and address of the entity charging my account so that I can file a report with the police. American Express ignored my letter and just sent me form letters. I called on several times and requested this information and was told that they could not provide me with the legal name of the merchant.

American Express does not investigate fraud and does not provide any customer service in dispute resolutions. I can not get anyone at American Express to look beyond the fraudulent receipt provided by XXXX XXXX.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2018-08-02
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. (OH)

On XX/XX/2018 Dept of XXXX obtained a copy of my credit report without my permission. I do not have an account with XXXX.
Consumer complaint received 2018-08-02
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 (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below on both of my capital one cards, and it's reporting with multiple inaccuracies. 

XX/XX/XXXX-Current XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.
Consumer complaint received 2018-08-02
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. (CA)

XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. XXXX XXXX XXXX XXXX XXXX XXXX XXXXndor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, Transunion. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and Transunion and cancel my debt with XXXX  I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.