davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I want a check for the rewards balance earned. 
First I wanted it applied to the balance owed. 
This was not done. 
I then asked for a check. 
Their reply is jibberish about travel miles application. 
I'm not going anywhere so I requested A check again. 
Their web site is non navigable.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. Two of them being by Capital One marked XX/XX/XXXX and XX/XX/XXXX on my XXXX and XXXX report. I tried to contact Capital One directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Capital One XX/XX/XXXX via certified mail. It has been over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit on XX/XX/XXXX or XX/XX/XXXX. I did apply for credit with your company on the aforementioned dates. Please respond and include a copy of the application, datedXX/XX/XXXX and XX/XX/XXXX, my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX Thank you for help in this matter.
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (GA)

I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. 

He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. 

For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BRite Financial Services, Inc. (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX/Carite markedXX/XX/XXXX on my XX/XX/XXXX report. I tried to contact XXXX/Carite directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to XXXX/Carite XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally request the deletion of certain information from my credit report as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that the following account be blocked and deleted from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Balance : {$14000.00}
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.
Consumer complaint received 2018-04-03
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. (IN)

On XX/XX/XXXX, I purchased a new heat pump and labor and warranty services from a merchant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, IN XXXX, ( XXXX ) XXXX. After attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and requests with the merchant to providing warranty services to repair defects in the installation, I had to involve another company to fix the defects in installation which XXXX ultimately refused to investigate and remedy on XX/XX/XXXX. 

Chase has not provided me with any satisfactory resolution of my dispute and redispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that this merchant did not provide all of the equipment, labor, and warranty services that were included in my original purchase. The amount of the original purchase price for all equipment, labor, and warranty services was {$2100.00}. The amount that I had to pay for the warranty services not provided by the merchant was {$1300.00}. This amount was paid to XXXX XXXX XXXX  XXXX XXXX and XXXX, XXXX . This amount of {$1300.00} is the ultimate amount that I am disputing was paid to this merchant services that were not provided. My disputes with Chase Visa were within the published time frame requirements for chargebacks to the merchant. Chase did not provide me with any information that they attempted to or did in fact correspond with the merchant regarding my dispute.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I applied for a loan consolidation and chose Navient as my servicer. When I submitted the consolidation application I also submitted an Income Based Repayment application. My payments were previously {$5.00} a month and I wanted to make sure they stayed that way. Navient accepted the consolidation application and have since placed my loans into forbearance. I dont want this. Its doing nothing but accruing interest. 

1. Have all documents needed been recieved to process my request for income based repayment. 
2. If so, how long until that becomes effective? 
3. I would to know when my first loan payment is due. 
4. I would like to know if my loans are no longer in default, I would like to return to school.
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (OH)

I reached out to XXXX to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

I provided the list- XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/XXXX. XXXX XXXX? XXXX XXXX XXXX
Consumer complaint received 2018-04-03
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: U.S. BANCORP (WA)

Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report. 

A few months ago, I found a new address in Minnesota listed on my XXXX report, which it says it got from U.S. Bank. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that XXXX  refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and XXXX  just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.
Consumer complaint received 2018-04-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please add the following remark ( s ) to my XXXX  XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (FL)

I receive letters from ditech finacial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. The letter say this communication is from a debt collector. It is an attempt to collect debt. I do not have any debt, I do not call their number, because they gon na make me crazy calling me. I want this company stop sending me letters.
Consumer complaint received 2018-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning Medicare and Medicaid so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

The credit collection agency would not send me paper documentation each month showing the balance due on the account they said I owed, and each payment I made to the agency of {$50.00} a month for several months was never recorded., the agency refuses to give me a receipt showing the amount of money I paid them, so I stop paying them and request the agency customer service person to send the account back to XXXX XXXX XXXX  so I could pay them because I could not pay a collection agency and not received something showing I pay them money each month and not get a document or bill.

After I stop paying XXXX XXXX XXXX XXXX, they sent me a letter on XX/XX/2017, showing I owed a payment of {$50.00} without a balance. I called the agency and told them to send my bill back to XXXX XXXX  because I did not trust the company after they told me I could not get a record showing payments. And they continue to call my phone more than 5 times a day from different numbers to harass me even after I told them to stop.
Consumer complaint received 2018-02-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (TN)

XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Quality Asset Recovery LLC (PA)

I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. 

This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.
Consumer complaint received 2018-04-03
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: Santander Consumer USA Holdings Inc. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Date : XX/XX/2018