davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. 

During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. 

The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. 

No further information was or has been provided to me by Capital One National Association. 

For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. 

I have never applied for, nor have I ever had, a credit card with Capital One National Association.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: RentDebt Automated Collections, LLC (TX)

I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Utah System of Higher Education (OK)

In XX/XX/2017 I was denied XXXX because of my husbands income. UHEAA my loan company assumes that you have % XXXX of ur gross income for expendable income. They do not factor in taxes or our bills. They refused to look at our financial statement and ignored his XXXX in student loan debt. We can not afford the {$260.00} they want in my payments at UHEAA. When I first called them they told me i could lie on my application and put that i do n't have access to his income because i make less and they could go off my income. I refused to lie on an official document. The second time I called they told me I could make a payment of {$120.00} a month for 6 months but after that I would owe the {$260.00} I told them we will not have the money then. We have a lot of bills. They still refused to look at a financial statement. I have called them trying to get them to lower the payment 4 times this week. The first time I was told by XXXX at their office that they have graduated plans and consolidation plans on student aid.gov. I called back the next day to apply and they said that they do n't have those. I called again the next day on Wednesday XX/XX/XXXX and they told me that another loan company can consolidate for me, like XXXX. I called them and that turned out not to be true. I feel i have been lied to multiple times on their services. Every time I call I get a different story and they will not work with me. I finally gave up today and took the {$120.00} a month for XXXX. I believe they are giving misleading information and lying to customers. They have turned this into such a stressful situation because I can not get any straight answers from them. I believe they need to be investigated by the government for their misleading practices. I want straight answers from the company because so far I have no idea what they offer. Please help me and others from enduring this stressful situation. 

XXXX
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P. (MA)

I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OR)

Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.
Consumer complaint received 2015-05-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have been a member of USAA since the early XXXX. Approximately XXXX years ago, following a divorce and a failed business, I filed bankruptcy. XXXX of the debts included in the bankruptcy was my USAA credit card with a remaining balance that was under {$3000.00}. Intent on trying to turn things around, I signed up to monitor my credit through USAA 's partnership with XXXX. However, soon thereafter I tried to log onto my USAA account and I received the following message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. ( XXXX ) '' The link took me to a limited and cumbersome USAA Web site and I was no longer able to access my XXXX credit monitoring account. The Web site also gave me limited access to my USAA Automobile Insurance policy and my USAA Auto loans ( which I continued to pay and reaffirmed in the bankruptcy - so USAA did not lose anything on those XXXX loans ). 
I wrote a letter to USAA ( attached ) stating that it seems the only purpose of displaying this message in bold red and redirecting members to a limited and cumbersome Web site is purely punitive and to humiliate its members further. There is no benefit to USAA. It is only a punishment and a humiliation for someone like me who had no other option following a divorce and failed business venture. So every time I log on to make my car payments or to pay my insurance bill or to access some other service at USAA, I am further humiliated. If this is USAA 's purpose and goal, then it has succeeded - I am further humiliated and reminded of my failure a few times each month. 
I received a call responding to my letter - no one wrote back. I was told that the reason for the limited Web site was so that USAA would not inadvertently extend any further credit to me following my bankruptcy. This makes no sense. They could refuse to extend additional credit to me without redirecting me to a cumbersome Web site and displaying the humiliating message. I am also a member of XXXX XXXX, and had to include a debt from their company, but they do n't display humiliating messages or redirect me to some cumbersome Web site. It seems the only reason for USAA to have this policy is punitive.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Universal Credit Services, Inc (MI)

Attached you will find a copy of the check written on XXXX/XXXX/15 to XXXX XXXX XXXX which also shows clearing my bank account on XXXX/XXXX/15 for {$250.00}. Why am I still receiving harassing letters ( see attached dated XXXX/XXXX/15 ) along with a statement ( see attached ) showing a past due of {$250.00}? 

Universal Credit Services continues to say my complaint is without merit. They are attempting to collect on a debt that was paid several months ago which I provided documentation for. This is harassment and my next contact will be through my attorney. Why are collection agencies such as Universal Credit Services allowed to continued this type of activity?
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (PA)

I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.
Consumer complaint received 2015-10-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BOK FINANCIAL CORP (KS)

The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. 
When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. 
According to FHA ... ..HUD the house must be in perfect conditions. 
This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. 
No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Collection Bureau of America Ltd. (CA)

I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.
Consumer complaint received 2015-05-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (MS)

I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. 
XXXX XXXX
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Blackhawk Network Holdings Inc. (CA)

I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?
Consumer complaint received 2016-07-04
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc. (MI)

Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc
Consumer complaint received 2024-10-25
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 XXXX. 

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
Consumer complaint received 2024-10-23
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION 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 ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-23
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. (LA)

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

Account Name : XXXX  XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
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. (PA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXccount Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I had a Wal-mart credit card and reported it as unauthorized use in XX/XX/2106. I asked that card be discontinued immediately. Rep told me to disregard any bill and they would reverse charges. I received new bill with new charges. I called and was told that the " computer did n't close file '' and to disregard and they were sorry. I live in Florida and charges were from XXXX area. Another month and now the bill was {$140.00} for late fees on a XXXX balance. I called again. About a month ago I started receiving calls from Walmart aka Snychrony Bank.Phone XXXX XXXX about 3 to 4 times per day and now up to seven times per day. Calls start about XXXX. I reported to FCC and to my phone company who tried to block the number. Sometimes this woks and sometimes the phone rings before blocking. I am in very poor health and the XXXX of early morning and all day long calls is horrible. I do n't want to spend money on hiring a lawyer. What can I do to stop Walmart and the bank?
Consumer complaint received 2016-07-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.