davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, Experian and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Consumer complaint received 2018-03-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (NC)

I first applied with CityWorth Mortgagae and was denied at a sale price of XXXX. Months later the brother of the company owner, lead Mortgagae assistant, XXXX XXXX called me and informed me that I was actually preapproved for a loan up to 189,000. This company had interest to do this process and later chokes on three separate closing dates. I go to learn from the owner of a possible scam maybe forming after I give up close to {$1300.00}, and driving to another state where CityWorth Mortgagae are located in Virginia to pay for home appraisal where the owner denies CityWorth of rising the price on the loan for an extra {$1000.00} around closing where closing attorney where expectations of the owner, his choice of real estate and myself. Once time to close the company thence ignores us all and I nevertheless got no refund nor return on any monetary I have which today continue to place me in the homeless veteran category for months up to today because of the scam done to me. This occurred XX/XX/2017 with again three closing dates that never occurred. I am currently homeless and this company has put me behind and displaced and I am still pleading for a return of my money thats honored to me for my XXXX from service of XXXX.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler and Associates, PA (KS)

I was sued by Butler Associates at XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX On behalf of their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX failed to follow the law and send a validation letter of the debt. They never provided any statements signatures, or proof the debt was mine before they took legal action against me.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RC Willey (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. This fraudulent account consist XXXX XXXX XXXX which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I decided to take advantage of a balance transfer offer on my current Chase credit card ( Freedom Unlimited ) and transferred {$3500.00} from another bank. The website offer clearly states " 0 % APR through billing cycle ending in XX/XX/XXXX. Additional terms apply. The balance transfer fee is 3 % of the amount transferred with a minimum of {$5.00}. Respond by : XX/XX/XXXX. '' There is no fine print about the interest rate, nor any other links describing how this affects my current balance or fees on new purchases. I typically pay off my new purchases in full. 

OnXX/XX/XXXX, I was surprised to see an interest fee of {$14.00} on my statement. I had just paid {$2000.00} the day prior to pay off my new purchases. I contacted Chase and they THEN decide to tell me " If you take the promotional balance transfer offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ), you will lose that interest-free period. This means that you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' I am extremely angry at this. Had I known this BEFORE, I would not have done the balance transfer. With the balance transfer fee, it actually cost me more money now if I want to keep using the card. This is a waste of my time and money and extremely deceptive.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STONEGATE MORTGAGE CORPORATION (FL)

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on XXXX XXXX, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and XXXX  is showing XX/XX/XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Kentucky Higher Education Assistance Authority (KY)

I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. InXX/XX/1933President Roosevelt passed HJR 192,  XX/XX/1933- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10.  This law protects the people from damages caused by the Federal & State.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL INC (NY)

i had complaint to the state of education about this? i dont know who is this third company COAST professional they have a XXXX XXXX XXXX XXXX XXXX LA XXXX. this company doesnt even say where its from. I have disputed this was cancel and i inform the state of educ. I have a XXXX  and there were no loan borrowed? all this was cancel and they wrote the wrong name. very unprofessional acct XXXX for XXXX. all this is wrong?? no school, no loans, this company is fraud. i spoken to XXXX. But i never borrow anymoney from them so how can they say i own them money. im not sure where this from .should be all cancel, no name, no endorse loans. I have a XXXX. this dedt company is trying to go around it because it was discharge. i never borrow any money and they have someones wrong information. i dont know if this is vocational or third party. I never took a test or sign anything.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (CA)

On XX/XX/2018, I called to Financial Credit Network collection company to address a collection account from XXXX XXXX   XXXX XXXX. 

So in the first contact, a representative said they will be able to remove the collection account from my credit report once the I pay the balance in full. 

So in a second call in the same day, I spoke with a different person and before making the payment she advised me they won't remove the collection account from my credit report because they tried to contact me in the pass in different times, I asked the reason why the company changed mind if in my first call the representative told me they will be able to remove it. I asked for more information about the account because that is not a fair tactic to collect a debt, I asked the date when the company sent an initial written notification about this debt because I never had the chance to dispute the account, and the representative recognized they sent an initial notice but, the USPS returned in different times. 

After all, I asked for a debt settlement, and they won't make a settlement they just want to collect the full balance used an abusive language just because I asked for a settlement.
Consumer complaint received 2018-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

Hello, I signed up for automatic payment in XX/XX/XXXX for my Chase credit card. When I check my bank account onXX/XX/XXXX, I did not see the chase payment was deducted for theXX/XX/XXXX, which was due on XX/XX/. I immediately called them to make the payment over the phone onXX/XX/XXXX. A few weeks later, when received my chase statement I saw that they charged me {$25.00} late fee and interest. I called them on XX/XX/XXXXto ask for the waiver of the late fee. The Rep refused. I asked to be transferred to a supervisor. The supervisor refused also. They said my automatic payment form must have gotten lost in the mail they will send me a new but they will not refund the fee since it was my fault that I did not make the payment on XX/XX/. I should have followed them to confirm that my automatic payment was set up. When I pointed out that payment was made onXX/XX/XXXX, the supervisor said, " late is late by 1 minute or 2 days in your case '' She refused to help. When I asked to escalate my case to the next level she gave an address to write a letter and mail it. It is a matter of principle for me, I do not want to pay the {$25.00} late and take a hit on my credit for their lack of process. Please help me reverse the late fee, interest charge and hit on my credit for late payment. Thank you.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

RE : Certificated Security - Notice of Adequate Assurance This is an action in realm. I am here as the accommodating party of the Surety for the referenced account. Fully protected and reserved by the 9th Amendment of the US Constitution. 
I am an international lender/investor of the United States to help settle all matters for my estate. Any misuse of this trust is a breach of fiduciary duty. 
I accept all of these securities in equity as redemption. Im taking the charges on the accounts, and I am letting go of and assigning the interest then transferring the chattel paper to the CFO of USAA. 
Primary Activity : SAVINGS INSTITUTIONS AND OTHER DEPOSITORY CREDIT INTERMEDIATION I was unaware at the time of the extension that I, as Consumer/Beneficiary EXTENDED my credit to you to pay for the entire account/contract and was not properly informed of ( all ) disclosures/consideration of the claim on the collateral. The Baby Act, or Plea of infancy. My signature along with my Social Security Number is on the security instrument and you owe me Substance in return as the beneficiary. Not only does the security instrument pay you for the entire product being purchased, but its securitized for upwards to 10 times the value. I am requesting you return my vehicle immediately. 
I have yet to receive any IRS related documents for these charged off accounts you are now claiming. Additionally, please provide the documents I have repeatedly requested for on full accounting of both sides of the ledger. 
1. Footnotes to Financial Statements : Disclose related-party transactions.

2. Related-Party Transaction Disclosures : Detail transactions with owners/creditors.

3. Financial Statement Analysis : Show loan receivable/payable accounts. 
XXXX. XXXX XXXX : Related Party Disclosures XXXX. ASC XXXX : Receivables XXXX. XXXX XXXX : Liabilities While USAA Federal Savings Bank is not directly a member of the Federal Reserve, it is subject to supervision by the Federal Reserve Board of Governors due to its status as a federally chartered savings association.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (NH)

It's Westlake financial. I have been disputing them on my credit report over and over again and they took it off my transunion report because it's not my account. I'm getting very angry that it keeps getting denied and left on my account.
Consumer complaint received 2018-03-20
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: U.S. BANCORP (TN)

Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a credit card account with Capital One which had a balance due amount of {$460.00} with a due date of XX/XX/XXXX. I paid off the whole balance on the account by the due date, and I have a copy of the receipt. I later received a bill the following month for the XX/XX/XXXX statement with a balance due on the account, showing as a finance charge on the amount I had paid off. The statement should have been showing a XXXX  balance. I never used the card after I paid the last balance off, so my account should be showing a XXXX  balance. So I called capital one, and asked them why they were charging me the finance charge on the account that was paid off and up to date, and should be having a XXXX  balance. They told me the finance charge was incurred even before I paid the balance off. However, there was a finance charge already included on the balance that I paid off. They told me I should have contacted them to get a payoff quote before paying up the balance on the account. I told them I have never heard of such a thing, as I have other credit cards and when I pay off my balances in full, none of them has ever come back to charge a finance charge on the account that was paid off. Capital one would not reason with me, but still insisted that the account had the finance charge balance that must be paid. I requested to speak with a manager, and they gave me a supervisor to talk to, who was still telling me the same thing. So, I told them I was going to report them to the consumer affairs department. Now, as of today XX/XX/XXXX I already received a new statement from Capital One showing that they added another finance charge and past due fee to the last amount I had in dispute with them. This is an unfair and unethical practice by Capital One, which I feel the government should know about, because they may be doing it to a lot of other people who may not be checking their account, and getting away with it. I hope you would be able to resolve this issue, after which I will have to close my account with them, since they can not be trusted anymore. I have paid my balances in full in the past with them, and never had this kind of problem, so this is a new way they are trying to " steal '' from from innocent consumers. I hope if anyone reads this, and have a Capital One credit card will start reading their statements carefully, to catch any irregularities like mine. Thank you for your assistance on this matter.
Consumer complaint received 2018-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I contacted Capitol One, regarding my Kohl 's Card because I noticed they are reporting a new XXXX XXXX  open on my credit report. Kohls and Capitol One converted my account to a XXXX XXXX, without my permission. I called to discuss this, and was told I could convert the card back to a basic Kohl 's only card, but that it is still serviced by Capitol One, and the rep explained that Capitol One is already the account servicer for Kohls. ( Additionally, this doesn't make any sense, now that I think about it, because they shouldn't need my permission to change back what they changed without my permission in the first place. ) To complete the transaction, I was asked to verify my identity with a 6 digit code via text, which sounded normal, but the rep read a disclosure statement that I had to agree to, in order to receive the text. Normally they just want you to consent to message and data rates, but this disclosure included consent for your wireless carrier to disclose any and all account information to Capitol One, in perpetuity, then said this information would be used for the purpose on confirming my identity- and this is what I thought was strange. Why would Capitol One need consent for my wireless account information? I told them that I did not consent to this and asked if was another way to verify, and they said no. I even thought that maybe I was misunderstanding the rep, so I asked him to read the disclosure again, which he did, and I heard the same information, again. I didn't have a problem with receiving a text, message data rates, but I object to giving unlimited access to my wireless account. They said they couldn't complete the transaction without it, so I closed my account. But I thought this seemed incredibly strange.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

In XX/XX/XXXX XXXX XXXX XXXX in XXXX ca changed the locks on us at our apartment prior to the end of our lease. At the time we were mostly moved out because our lease was ending soon and we purchased a home. we contacted XXXX about the issue and notified them that we had mostly moved out and noticed they changed the locks. they denied changing the locks and a few days later forged a letter in our names stating that we had not moved out and let town for a family emergency but promised to pay through the end of the lease including any late and cleaning fees. We notified XXXX XXXX XXXX management company, XXXX regarding the matter and they refused to investigate as it appears to be a company practice of forging documents on behalf of tenants in their managed properties. nonetheless, XXXX sent us to collections and we disputed charges based upon fraud for them forging documents in our name. we agreed to accept liability for changes through XX/XX/XXXX, which is when they changed the locks.