davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (IL)

I recently received a letter from Credit Contract LLC.They are attempting and using abusive language to get me to pay their company {$1300.00}. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CT)

XXXX XXXX XXXXCardmember services (see attachment)Above company received my dispute on or about X/X/2017 (XXXX).XXXX advised she would pursue the dispute and at the end of 90 days sent a letter (attached) indicating I requested "to cancel the dispute as you no longer dispute the transaction" which is absolutely false.Upon discussion with XXXX I learned her actions were grossly negligent and had no intention of pursuing  the dispute.XXXX XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SC)

XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by Equifax, XXXX and XXXX which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked Equifax, XXXX and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.
Consumer complaint received 2017-12-06
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: JPMORGAN CHASE & CO. (CA)

This Chase Freedom credit card is a blood sucking credit card, Chase bank is filled with Liers and Scammers, I was overseas in the month of XXXX and without informing me chase closed my credit card, I only had that credit card in my posession in XXXX and had such a hard time, there was no letter, no warning, they are like a traitor. My XXXX XXXX XXXX got delayed because I gave my Chase freedom credit card information to the XXXX but as my card was closed they could n't charge and sent me my application back. 

Moreover, I reported some of the fraudulent charges from the Year XXXX, and I got a credit of {$3700.00} on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX I asked the Credit card company to cut the check and sent to me, they do n't want to write the check and kept on lying to me till today XXXX/XXXX/XXXX, and now they are subsequently placing the charge back on my credit card, Now I only have a credit balance of {$1100.00}, {$2600.00} has gone in the pocket of Chase. They are making a fool of me everyday, saying that they cut me a check today, they cut me a check tomorrow, as If I am a fool and will do nothing about it. 

Whenever we dispute a charge, Chase takes back the money from the merchant but do not give it to the customer, thats how chase makes money, thats their money making mantra, I am calling them from last two months, sometimes they say one things, other times they say another thing. Chase freedom is not Freedom, it is incarceration. 

I have attached the screenshot, you can see last month the credit balance was $ XXXX and this month it is $ XXXX What is this nonsense, I recieved no letter, nothing from chase freedom.
Consumer complaint received 2017-12-12
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. (MA)

My name is XXXX XXXX. I am filing this complaint because Transunion is refusing to update my XXXX XXXX XXXX collection accounts as paid and settled. The account numbers are : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. I settled with XXXX XXXX XXXX and paid off these accounts months ago but for some reason, Transunion has been the only agency who has not updated these accounts to reflect as " paid ''. It has been over six months of back and forth disputes with Transunion and they have not resolved my issue. I am including a section of an XXXX only report which shows how all six of these accounts are reflecting as paid and settled accounts. What is wrong with Transunion and why ca n't they update my accounts properly? I do n't see how this is so difficult. What makes this all the worse is that they have been writing to me in their letters asking me to call the creditor to verify the information being reported. I do n't need to do that because I know these accounts have been paid and settled. I did it myself. XXXX  and XXXX would n't be reporting them as " Paid '' if this was n't so.
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX, XXXX ''. This company states that Capital One Bank XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (NC)

I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc #  XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

this is the second time i am filing a complaint regarding XXXX XXXX XXXX and tracking of public loan forgiveness payment tracking this issue. 

previously i received information from other borrowers accounts in addition XXXX XXXX XXXX was unable to correctly count the number of payments i had made. 

i submitted paperwork certifying my employment for a qualifying public loan forgiveness institution and received notification it was accepted on XX/XX/XXXX for the dates XX/XX/XXXX through XX/XX/XXXX, during this time i made a payment every month. 14 months, 14 payments. XXXX XXXX XXXX only recorded 2 payments.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services (MD)

This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXXXXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXXXXXX  XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (AZ)

Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX  collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.
Consumer complaint received 2023-09-27
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. (TN)

According to FCRA section 611, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. 
After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. 
correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
The content mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US AUTO SALES FILED BANKRUPTCY AND CLOSED DOWN. My contract has been breached by US AUTO SALES. I recently in enrolled in the XXXX and was recently paying on the XXXX which US Auto sales was doubling billing consumers. 

FTC XXXX XXXX XXXX XXXX and XXXX In the contract. The seller fail to live up to the contract ( breached the contract ) I value my credit and believes it would be unfair business practice for XXXX XXXX to harm my credit. 

XXXX XXXX has harm my credit in every way, inaccurate information has been put on my credit as well. 

16 C.F.R 433 Ga.Ad.Code 122-5.01.
Consumer complaint received 2023-09-27
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: TRUIST FINANCIAL CORPORATION (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX and NAVIENT XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.