davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

I have made a purchase with the 18 months interest free promotion from XXXX XXXX. I have repeatedly asked the sales representative regarding the payments, whether I would need to make interest payments based during the 18 months we didn't pay interest in case we forgot to pay off the debt in 18 months. The sales rep repeatedly assured me that I would only be making interest payment once the 18 months is up based on the balance I would have just like any other credit card. 

Fast forward to today, XX/XX/2018, I decide to check up on my debts and realized I still had the debt for the appliances purchased from XXXX XXXX. I decided to make the payment to clear the debt and decided to see how much interest had accrued and I saw that interest for 18 months I didn't pay were added to the statement when the promotional period ended. 

I have made a phone call to see if I can get this interest amount reduced or removed, but the reps were very stoic and stern about the fact that they weren't going to remove this interest amount of {$1700.00} based on debt balance of {$2200.00}. 

I have made a call to the customer service, spoke with the representative and she couldn't help me, so I asked to speak with upper management and XXXX from the management team answered. XXXX also repeated that she couldn't help me because the information was stated on pages 1 and 3.  However the company didn't make much effort to let the consumer know that once the 18 month promotion period was up, we would need to make interest payment that we've missed out on for the first 18 months. It says in a small line at the bottom of page one about deferred interest, but to a layman, deferred interest seems like interest that will begin to be charged once the promotional period is over.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.
Consumer complaint received 2018-03-01
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. (WA)

XXXX, XXXX and Equifax are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay  low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, Equifax and XXXX to do this. Why do you think Equifax had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you tyrants
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

We had an XXXX XXXX card that was paid off in XXXX or XXXX, we lost paperwork in Hurricane Harvey last year. Anyway, this is the second paid off XXXX card from 8+ years ago that has been sold to some outside collection company, without any written notice. We do not owe this and we are upset that XXXX continues to try and sell off our old paid off debt, and furthermore beyond the statute of limitations. Our credit is clean, clear and good and we are in good standing with ALL of our creditors. Please stop them. thank you.
Consumer complaint received 2018-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion, XXXX  and XXXX are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, XXXX  and Transunion to do this. Why do you think XXXX had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (FL)

In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX of this year I obtained a debt consolidation loan to pay off my bills which included my XXXX XXXX XXXX XXXX. The credit union mailed checks to my creditors. As I was not aware when the checks were arrived I still schedule my regular payment. The payment was posted on XX/XX/XXXX in the amount of {$11000.00}. My regular payment of {$360.00} posted on XX/XX/XXXX. XXXX XXXX XXXX XXXX also charged me interest in the amount of {$230.00} when my balance reflected as XXXX AND my payment posted on the XX/XX/XXXX. I called them on XX/XX/XXXX and was advised they would reverse the interest and it would take 3 days. I gave it a week and checked my account. I called back on XX/XX/XXXX and was advised that the last CSR did not notate my account and it would be done again and take up to 3 days. I checked my account this morning and it is still not applied. As such, I would like assistance receiving my credit so I can close this account. XXXX XXXX has a habit of this practice and I no longer want to have a financial account with them.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the second time I have contacted your XXXX XXXX, XXXX, Experian regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I found out on XX/XX/XXXX that a former boyfriend of mine had opened a credit card under my name and demographics without my knowledge and had maxed it out. I called the company it was under and asked for details. They were unwilling to give me any information as I was not an authorized user for the account. I was able to have them close it so no more chargers could incur and ask that my email and phone number be placed on the account so I could inquire on it in the future. I still have not received any charge documents and they continue to call and write notifications to me that I owe the debt. I have filed with the Federal Trade Commission, the local police, and have talked to their fraud department. I have given them the name, phone number, and address of the thief, but they continue to say it is my debt. I received a request from Capital One for a clear copy of two forms of my ID and hve the form notarized. I did this and faxed it to them XX/XX/XXXX. They later sent a brief letter stating it was still my debt. The form only asked for details for whom I suspected was the identity thief and his personal information. The information form did not request details regarding the fraudulent account or how I found out about it. I again wrote to Capital One via a letter devised by the Federal Trade Commission on XX/XX/XXXX requesting they close the account, remove any charges on the account, and take steps to remove information about this account from my credit files. I received a letter from Capital One on XX/XX/XXXX stating that they are following up on the fraud notification recently filed with one of the 4 credit reporting agencies, but again find no evidence of fraud and are taking  no action. 
I then went to my local police station and filed criminal charges against the person whom stole my identity ( XX/XX/XXXX ), as suggested by the FTC. My complaint is that Capital One allowed someone else to open an account under my name and Social Security without my signature or permission and now is pressing me for payments although I have filed fraud to all the proper authorities. I would like to see their process for signing someone up for a new account and how they verify acknowledgement and permission from the person it is being set up under. I have a long history of amazing credit, and now find myself struggling with poor credit scores and harassment from credit card companies. ( He also charged up another credit card in my name ).
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

i told them on XX/XX/2017 not to raise my credit limit over XXXX but in a few months time they raised my credit limit to XXXX and in no time my bill was XXXX & most of it was cash advances at the casino i am a XXXX XXXX thats why i told them in XXXX not to raise my credit over XXXX i dont think i am resp onceable for XXXX of my bill.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2018-12-21
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: DISCOVER BANK (FL)

From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (FL)

I am disputing this collection account for several reasons. The original creditor was a school named XXXX XXXX XXXX, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote XXXX XXXX letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing because I am beyond frustrated trying to correct what has been stated will be removed still showing on my credit report. My previous case here at cfpb where the case was closed with non monetary relief and the promise to delete XXXX XXXX from my credit report is XXXX XXXX. The account listed XXXX XXXX was opened with fraud and I have already gone ahead and had it disputed and investigators determined they will delete it from my credit files. It is still showing on my equifax and this needs to be deleted immediately as it is vilating my rights and specific laws.i have also attached my FTC identity theft report in which the fraudulent XXXX account was listed.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received a letter stating that this account would be removed directly from PORTFOLIO RECOVERY # XXXX they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, PORTFOLIO RECOVERY, or any third party law firms and collection agencies are in accordance with the Georgia law. 7-3-8. License required ; application ; fees. Rule 120-1-2-.07 Procedures for the Licensing Process,7-3-8. License required ; application ; fees.