davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " Vantage Score '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both XXXX  and Transunion. The reports show that I have never missed a single payment ; I have credit history over seven years ( which  apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both XXXX  and Transunion. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from Tansunion, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NY)

My husband, the only earner right now in our household was suddenly laid off without warning in early XXXX We have a few credit cards, most with very low monthly payments which we should be able to satisfy until we are back on our feet, all but one, a XXXX XXXX card which I opened through XXXX XXXX this past summer. I have a promotional rate which put me at a very high monthly obligation of {$150.00}. When I chose this deal, we had no reason to expect lay off and were meeting our obligations. I was planning on paying off half of this debt in the early spring when we get our tax return and that would have brought the monthly payment down to probably half this. I called the bank a few days ago asking about assistance during our severe hardship.I was told that I cant qualify for the 12 month because I am on a promotional program which would have been at a payment of {$60.00} per month at a 10 % but I cant take advantage of that because of the promotional rate I am on. 
The only thing they offered me was a program where I had to actually miss my payment and then i could be put in a program that would lower my payment to {$42.00} per month. 
My major problem with this is that I have to actually miss a payment to qualify. My credit is good. Not great but good and it took me years to get it where it is now. I have to ruin my credit in order to get this deal? Of course we can show proof of this lay off if needed. Why is that not good enough? Why should a cardholder have to be forced to ruin their credit in order to qualify for a program like this? what should I do, not make my mortgage payment which we actually don't know what we are doing about that ( we are of course seeking assistance from that bank ) to make this {$150.00} per month payment?
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Opened Capital One Card, within short time was alerted fraud charges in TX were showing up. New Card issued XX/XX/XXXX. Promised credit fraud protection..

Then in XX/XX/XXXX I looked online at my credit cards and bank statements horrified I found Capital One had issued a new Card to persons unknown using my name and attempting to move my perm.Address to Colorado. I have been in contact with them daily or every other day and yet things do not seem to be resolving. I closed a XXXX XXXX account that was paid off and no activity unknown nature but the Platinum Card they are still playing with. Refunding then taking back, via phone took money from a XXXX bank account and I had to close my account so Capital One couldn't take any more. And mad at XXXX did a via phone transaction to them.In 10 yrs have never done a phone transaction why didn't XXXX alert me..

They have made no effort to notify the businesses that they have been stolen from contact the police in my state or TX after I filed a report.. They just think it's not a issue ... Yet they were supposed to be protecting my credit since they allowed the breach in XX/XX/XXXX and allowed it again in XX/XX/XXXX and XX/XX/XXXX I live in KY. I spent almost 2 yrs getting my Mother 's home out of my brothers greedy paws after her death and will not be moving to Colorado or any other state.!!!
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Consumer complaint received 2024-10-29
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (CA)

I am applying for a business line of credit. The bank informed me that it can not approve me because there is an account in collections on my credit report. The collections company is Choice Recovery Out of XXXX Ohio and they are collecting for a company called XXXX XXXX XXXX. According to my XXXX  Credit report the account was opened XX/XX/2014 and has a balance of {$580.00}. After several calls to Choice Recovery inquiring as to the reason for the debt one of their representatives informed me that the original company XXXX XXXX XXXX  has been dissolved and they have no information about the original debt. When I asked about how they would contact XXXX XXXX XXXX I was told that there was no phone number only a XXXX   XXXX XXXX, XXXX Fl XXXX. The following address and phone number listed on line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida USA Phone : XXXX. 
The phone number is disconnected. 
Prior to this I have never even heard of XXXX XXXX XXXX and have had no dealings with them. 
A XXXX search of XXXX XXXX XXXX revealed numerous complaints of people whom have experienced the same things : XXXX XXXX XXXX XXXX XXXX XXXX Choice Recovery Inc has 127 complaints with the better business bureau : XXXX : XXXX I have already filed a dispute through XXXX  and was told that it would take up to 30 days to get a resolution. 

Thank you for your time and consideration in these matters. Your anticipated assistance and prompt reply is greatly appreciated. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Terrill Outsourcing Group (GA)

i never received a letter in the mail, an email, or phone call, etc..

from the company superlative rm i had to find out what was in collections, because i was never notified in any way at all.

it has been affecting my credit for months now & i have never received anything from the company whatsoever, until today, when i looked at my credit, saw it has drastically dropped & then, had to do some digging to figure out what was ruining my credit
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I disputed this account with Toyota on XX/XX/2019 via certified mail. In the dispute I called out under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) - stating that the accuracy of the information that Toyota is reporting is inaccurate and does not align across all the 3 credit bureaus. I asked for an investigation and asked for EVIDENTIARY DOCUMENTATION that substantiates the information they are reporting to the credit bureaus on my file. 

dated XX/XX/2019 I received a response from Toyota stating that the account was being reported correctly. clearly not even looking at the documents and proof that I have submitted with the dispute. Nor did they provide me with the documentation I requested showing that the info being reported in accurate or any documentation bearing my signature there are still multiple discrepancies being reported differently across the 3 credit bureaus ; including date account opened, date of 1st delinquency, date of last payment, repossession reporting and multiple late reportings that I have mentioned in the previous dispute. attached is the copy of my credit reports to prove again. 

This is my last goodwill attempt to have this matter cleared up by Toyota. The item being reported is entirely inaccurate and incomplete and represents a serious matter in the way this company is reporting.

I am formally requesting again, ALL EVIDENTIARY DOCUMENTATION that proves what you are reporting on my credit file.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the FCRA, along with corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (GA)

XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ROCKFORD MERCANTILE AGENCY, INC. (IL)

I received notification from Rockford Mercantile Agency in  XXXX, IL in XX/XX/XXXX stating I owed {$150.00} to my former leasing company. However, this debt was paid off in XXXX. I called Rockford Mercantile and spoke with someone name XXXX, before the 30 day time frame was up, and they said I could send them a receipt to their email. I sent the receipt and never got a response that they received it. On XX/XX/XXXX, the collection was reported to my credit. On XX/XX/XXXX, I sent a letter offering to pay a settlement to get this removed from my score. I have yet to receive a response, however, they re-reported the debt on XX/XX/XXXX.
Consumer complaint received 2019-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL) (FL)

My name is XXXX XXXX XXXX and had an work related accident in 2016 and was transported to the hospital with XXXX XXXX XXXX. This was work related and all expenses was related to the workers comp. 
I had the office of XXXX XXXX handle the situation and had the workers comp paid all expenses. 
I try to explain the creditor United Collection Service Inc the situation and the have never remove same from the XXXX  report. 
You can verify this with the office of XXXX XXXX XXXX XXXX : Mr. XXXX XXXX Tel : XXXX office : XXXX Thank you and please correct this matter for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I deposited a check for {$8600.00} at a Chase ATM on XX/XX/2019. The check was a reimbursement from my insurer for damage to my home. The deposit was credited to my account and then on XX/XX/2019 the entry was reversed. On XX/XX/XXXX Chase sent a message that the check deposit was rejected. Chase did not provide any steps on what I should do next to receive the funds. 

The check was made out to three individuals : ( 1 ) Me, ( 2 ) a public insurance adjusters, and ( 3 ) the holder of the note on my mortgage. After spending 40 minutes on a call with Chase, they told me that I could not deposit the check because the check had to be endorsed by both me and the public adjuster. But the check was endorsed by me and the public adjuster. It was only after I insisted for 40 minutes that Chase accept the check did the representative check with her supervisor, who pointed out that a third entity -- XXXX XXXX didn't endorse. She said they would send a legal copy of the check which could then be endorsed at a Chase branch. 

Then I asked, " So do I have to take this to XXXX XXXX? '' " No, '' she replied This is a stupid conclusion if you think about it : if XXXX XXXX doesn't have to endorse the check now, why did XXXX XXXX need to endorse it then? 

On the next business day I take the check to a Chase branch. Guess the response : " You have to take this to XXXX XXXX. '' Because of Chase 's delay, my checking account was low and I nearly bounced checks. If I didn't maintain sufficient funds and bounced checks, who do you think is going to be responsible for that? Is Chase going to reimburse me because their misinformation delayed the deposit of the funds that I urgently needed? I bet they wouldn't. 

If I didn't affirmatively reach out to Chase to ask what the next steps would be to deposit the funds, was Chase going to call me and tell me what to do? Doesn't look like it. 

Chase should have to implement a training policy on cashing checks related to insurance claims and communicating with their customers. It's not fair to consumers who need funds immediately to repair their homes that were damaged. Currently my home is missing large sections of its floor, the air is full of dust and I have to live there without being able to move forward with repairs due to Chase 's idleness.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

I sent a letter dated XX/XX/2018 to Way Point Resource Group for Validation of the alleged debt that mysteriously appeared on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation. The request was not adhered to they never responded to my letter and Way Point Resource Group continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company I don't even know who they are. Way Point Resource Group have reported the information to the credit bureaus that I am asking to be deleted. The account does not belong to me. I opened a identity theft complaint with the credit Bureaus on XX/XX/XXXX and since the identity theft complaint, I have not received an update from Way Point Resource Group. The only update I have received was from my investigation results with XXXX  that the account was deleted from their bureau but the other Bureaus continue to report on my file.
Consumer complaint received 2019-01-15
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: CAVALRY INVESTMENTS, LLC (AR)

I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
Consumer complaint received 2019-01-15
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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I mailed a certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018 requesting validation to an account showing on my Credit Reports as Charged off. This letter included the account number as shown on my credit reports, and all of my personal information. USAA did not reply. I sent another certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018, again requesting validation to their reporting on my credit report. On XX/XX/XXXX, USAA replied with a letter stating that they received my request disputing information on my credit report, and they will not investigate this dispute. On XX/XX/2018, I sent a third certified letter, which was signed for on XX/XX/XXXX, by USAA. This third letter stated, USAA has still not validated this account, nor have they marked it disputed, which violates Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.  USAA replied back with another letter dated XX/XX/XXXX, stating they received my request disputing information on my consumer report, and they will not investigate the dispute further, etc.