davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX ( XXXX ) I have low income. I dont check my credit theres no need to. Anyway we are moving out of our house and i was doing a rental application they denied me because of my score. So I was wondering why checked my credit and there are XXXX accts that are not mine nor have i ever heard of the company XXXX XXXX XXXX it shows as a joint account. def not mine. There is also a XXXX bill for XXXX that is not mine. I do have XXXX. But never XXXX. I am XXXX and dont use cell phones. I have tried calling XXXX. No person .and XXXX has been transferred to XXXX when calling that number it states that they cant give info over the phone. So im at a loss and need help.Thanks for your time
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.
Consumer complaint received 2015-07-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank, and banks in general, when there are overdraft situations, charge from the highest check down. I.E. XXXX went through, and I did n't know it. It was {$30.00}, and I had another item. They took the larger item first which overdrew me {$1.00} and then the lowest item. If they had taken the lowest item first, it would have been only XXXX fee. THIS IS JUST A WAY for them to make money. When you talk to them about it, they say " Do n't you want the highest paid first. '' Well, it really does n't matter because they pay it anyway and just charge you. VERY poor practices, and I ca n't believe it 's allowed! Thanks.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (GA)

This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

This has got to end, I have disputed this account through XXXX XXXX for a long time. This debt is past the statute of limitations and should not be listed on my personal credit file. I have requested the actual company XXXX XXXX to even validate and nothing has even been received after numerous disputes and validation request. My next step if this is not resolve is to hire an attorney. There is a law that is in place for a reason. I am requesting Experian to remove through your agency as my disputes they do not investigate nor comply with the law.
Consumer complaint received 2015-11-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00}
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My husband and I bought a used XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. There was a ding in the back bumper and also a scratch on the bumper. There is also some " bling '' inside of the car. All of these things were promised to be corrected and it was put in writing at the time of purchase. We were also forced to purchase a {$2000.00} clear/protectant coating that has never been applied to the car, we were told it was mandatory for any car sold at XXXX XXXX. My husband has been trying for XXXX months to schedule a time the car can be taken in and these things fixed or applied. XXXX XXXX was the salesman and we have in writing these things will be corrected. He always has an excuse of why the car can't be brought in or says he will call back, but never does! I spoke to a general manager today and he was no help at all! This is fraudulent and a scam!
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.
Consumer complaint received 2015-07-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX denied my application for their store card and gave reason asEXCESSIVE AMOUNT OWED ON ACCOUNTS. 
This is untrue, as shown in Experian 's report, as all my accounts are in good standing. 
As for My Personal Statement, the options to pick related reasons had no OTHER on them. I was forced to check a box that did not describe my dispute. To continue the dispute, I checked the DELINQUENT box. My reason for the dispute is stated above. My statement should be deleted from the report as I checked the box incorrectly.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. 

CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Dear CFPB, I am writing to formally lodge a complaint against Columbia Debt Recovery concerning their handling of a debt I have been working to resolve. Despite my best efforts to settle this matter, the companys actions have been unreasonable and unjust. 

Around XXXX, XXXX, I entered into an agreement with Columbia Debt Recovery to pay off a debt in installments. I paid a total of {$1800.00} towards this debt as part of our agreement. Unfortunately, I missed the deadline for the final payment, but I immediately contacted the company to inform them that I needed an additional XXXX weeks to pay off the remaining balance. Despite my proactive approach, they denied my request for the extension. 

The company then informed me that, due to the missed deadline, I now had to pay the full outstanding balance rather than the agreed-upon remaining amount. I found this response unreasonable, especially given my good faith efforts to resolve the debt. I attempted several times to negotiate a fair settlement and even offered to pay a lump sum to finalize the balance. However, Columbia Debt Recovery insisted that I needed to pay an additional {$2000.00}, which I find excessive and punitive, especially considering that they are not properly accounting for the {$1800.00} I have already paid. 

Throughout these interactions, the companys representatives were unhelpful and rude, making the situation even more difficult. I believe their actions are in violation of fair debt collection practices, and I am seeking your assistance in resolving this matter. 

I request that the CFPB investigate this issue and help facilitate a reasonable and fair resolution. Specifically, I would like Columbia Debt Recovery to honor the original terms of our agreement and take into account the payments I have already made. 

I appreciate your attention to this matter and look forward to your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NE)

I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?
Consumer complaint received 2024-11-11
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-10-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

CENTRAL FINL CONTROLACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX, CA XXXX : XXXX FAX : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXXADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I am writing to formally request the immediate removal, deletion, or blocking of all of my personal information from your consumer reporting agency. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I am asserting my rights under the Uniform Commercial Code ( UCC ) 1-308.4, which protects consumers from the unauthorized sharing or sale of their private information. I have not provided any written instructions or signed any agreements authorizing the sharing or sale of my personal information to third-party consumer reporting agencies.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

Upon review of my credit information reported on the credit bureaus, i noticed certain inaccuracies and incomplete and wrong information reported on my credit reports i disputed these accounts with experian : XXXX, XXXX, XXXX : XXXX. These accounts reporting are obsolete, unverifiable, several attempt to experian to delete these incomplete informations have proved futile. I have contacted the sources who have not confirm the accuracy of these reportings. I believe it is in the best interest of the consumer to have unverifiable, obsolete, incomplete information removed from my credit report. 
Again, this account from XXXX XXXX : XXXX is also inaccurate, i disputed this information with experian and XXXX at the same time, equifax DELETED THIS ACCOUNT BECAUSE IT WAS INACCURATE AND UNVEREFIABLE, i have attached a copy of the outcome of the dispute from XXXX to serve as a proof. I want these informations be removed immediately since im consulting with a consumer attorney about any legal process involved. Please forward this to experian to help me resolve this issue immediately
Consumer complaint received 2015-10-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Social Finance, Inc. (DE)

I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.
Consumer complaint received 2016-02-27
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between XXXX-XXXX. They called me at XXXX XXXX. on Friday morning. I told them the same thing. They called again at XXXX XXXX. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I filed a complaint with the TN Dept of Financial Institutions.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

15 U.S. code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!! 
These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX