davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (MI)

I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (TN)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , and XXXX XXXX  XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NY)

My credit report shall not reflect transactions made between consumers and the person making the credit report. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) My credit report shall not show charged off accounts having a balance. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i )
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NC)

Sears Credit Card Services sent me an automated letter dated XX/XX/2018 according to a Call Center Representative I spoke with on XX/XX/2018. The letter stated that the reason why they were writing me was due to a recent review of my account ending in XXXX, my Sears Department Store Card Account has been closed. Please do not attempt to use this account no further transactions will be authorized. As a reminder, if you have an outstanding balance, please continue to make your monthly payments by the payment past due date until the balance is paid in full. You are responsible for any outstanding balance according to the terms of your Card Agreement. Please destroy your Sears Card you may have in your possession. 

Well now, This account was paid in full back in XX/XX/2018. I was the XXXX XXXX for my ill Father a XXXX  Military  XXXX XXXX  XXXX in the XXXX, North Carolina Veterans Administration Hospital from XX/XX/2018 until passing away on XX/XX/2018. Where did I have time to go out shopping and use this card in order to place an outstanding balance on it? I spoke with both Sears and Citibank Call Center Representatives and told them this related information. Without my permission or authorization my account was CLOSED. Thereby, changing my credit score, and lowering it by 40 points. I am in the process of purchasing a family home with the assistance of the military, and do not need this extra added stress of someone making a business decision for me on my behalf, especially since they are not helping to pay my household debt or bills.

I would like to see my Sears Department Store Credit account XXXX restored in good standing, with the negative Credit Reporting according the FCRA fixed and removed from my credit report to improve my rating. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX I received an attractive offer for a Chase XXXX XXXX credit card ( please see the first page of the attachment ). I applied for the card, but Chase rejected my application. The rejection letter, dated XX/XX/XXXX stated Too many credit cards opened in the last two years associated with you ( please see the second page of the attachment ). On XX/XX/XXXX, I wrote CHASE and asked two straightforward questions ( please see the third page of the attachment ) : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS? 
-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS? 
I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE failed to answer my questions and rejected again my application ( please see page four of the attachment ). 
In the rejection letter CHASE also stated information from XXXX was used. I contacted XXXX   and found out the following : The credit score range is 300 850. My credit score is excellent, XXXX! Also, I always paid my credit cards and mortgage on time. 
In addition, I have a CHASE Freedom credit card, since XX/XX/XXXX. CHASE sent me numerous other offers, for loans, and bank accounts. CHASE even asked me to advertise their credit cards to friends ( I did that, and received some extra points for an approved account ). 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. As a consequence, I believe there is a clear pattern, CHASE declines applications because it does not want to honor the bonuses. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Consumer complaint received 2024-11-12
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX number : XXXX
Consumer complaint received 2024-11-12
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Cadle Company (VA)

The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.
Consumer complaint received 2018-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NC)

I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX  
years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. In addition, I am unable to get my credit report
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have never applied for or taken a private student loan. 
Navient has 11 of my FFEL student loans. They are claiming they are private loans. They refuses all my requests for repayment options, forbearance, and deferments. I've shown them several times these are federal loans that appear in the NSLDS. They refuse to listen. 

I need help with Navient.
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (NY)

I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.
Consumer complaint received 2018-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. ()

I contacted Citibank regarding my credit card today, XX/XX/2018 to resolve a payment issue. 

The customer service representative told me that he noticed I had not used my card in quite some time, and that I would need to use it or they would have to close my account. I explained that I have had numerous payment issues and disputes, and that because it is so difficult to make my payments from XXXX ( where I now live ), that I would not be using my card. He again stated that he was encouraging me to do so to prevent the card from being closed. I stated that I felt he was being dishonest, and told him that I did not believe it was true that my account would be closed if I did not use the card. When he did not respond at all, I then asked if it was true. He quickly changed the subject and refused to return to a discussion about his earlier statement. I let him know that it is highly unethical to pressure someone into using their credit card when all they want to do is pay it off, and asked if he felt that was ethical. He refused to answer the question, and again changed the subject and avoided the topic. 

I am highly concerned about practices like this. I have a high balance that I have been paying double the required payment on for quite some time. It is obvious that I am working hard to pay off my balance. Pressuring me to add to that balance, and lying in order to try to convince me, is highly unethical.
Consumer complaint received 2018-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (IL)

DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. 
I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? 
The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. 
Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. 
I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. 
I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. 
I have made timely payments and asked for help with maintaining our business arrangement. 
They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.
Consumer complaint received 2018-11-12
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: EQUIFAX, INC. (SC)

It is XXXX XXXX in America. After sending supporting documents supporting my case to XXXX and Equifax reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!
Consumer complaint received 2018-11-11
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: EQUIFAX, INC. (NY)

there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!
Consumer complaint received 2018-11-11
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: EQUIFAX, INC. (FL)

I opened accounts with XXXX XXXX XXXX XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to XXXX XXXX  XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with Equifax on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to Equifax, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX  removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

My wallet was stolen, reported to police, arrest warrant was issued, my cards were reported as stolen, new cards have been issued ( not received yet ), a fraudulent charge ( pending ) appeared on my citi account for {$20.00}, This was reported to citi in timely manner ( Citi ref. # XXXX ) ... ..All of this occurred on XX/XX/XXXX ... .the fraudulent charge ; [ XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX  CA XXXX ] ... .was reported to the XXXX XXXX Police Department also RE ; report XXXX XXXX ... ..The charge went from pending to being charged to my account ... .The funds {$20.00} has NOT been restored to my account! The overseas representatives for Citi are TOTALLY incompetent ... Furthermore, Regulatory action needs to be taken against this bank!
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (WI)

I financed a vehical throught XXXX XXXX XX/XX/XXXX. The company was reporting all of my on time payments correctly until XX/XX/XXXX. I still have the vehicle and i still make my payments on time but for some unknown reason XXXX  XXXX turned over my account to a new financing company without my knowledge ( Westlake Profolio Management ). I've tried with no satisfaction to contact Westlake and also XXXX  to update and correct the deletion or missing information on my credit report. Because of this my credit scores have dropped drastically. XXXX, XXXX  and XXXX  have been alerted of this but all three claim there is nothing they can do. I've filed disputes and yet nothing has changed.