davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy
Consumer complaint received 2021-01-28
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2021-01-29
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: AMERICAN EXPRESS COMPANY (MI)

My wife applied for an additional user card for me, which American Express claim that a cardmember can apply up to four additional users of which the original cardholder is responsible for the charges and all the agreements. AMEX also stated that they will not pull the additional user credit history or the cardmember 's because the cardmember is the one who guarantees the second card. When my wife submitted the application with my name and SSN, a message came on the screen that AMEX will let us know IF YOUR REQUEST HAS BEEN APPROVED OR NOT. ( the first red flag that something not right is going on ) Which tells me that AMEX did check my history, at least with them. 

I called AMEX a week or two later on Saturday XX/XX/2021 around noon to inquire about my card, only to be told by the representative that my card was not approved because I have a bankruptcy with AMEX that dates back 17 years ago. I talked to a manager that day who was very nice and expressed understanding that one can't be punished for something from 17 years ago ( feel free to pull the recording from both conversations ). He also said that he will send a request to the under writer to re-evaluate my request taking in consideration that this bankruptcy was 17 years ago and that my wife AS ADVERTISED is the sole owner and responsible for the account. A week later I got denied again by the underwriter. Once again, I speak to a manager who said that AMEX will not change their mind and that they will not issue me a card, but she will try to talk to them. 

That leaves me with the conclusion that : ( 1 ) You have deceived me by not mentioning anywhere in your privacy notice or on the website that the additional card user history with you WILL BE considered in your decision. ( a snap shot of both are attached ) ( 2 ) I have been discriminated against based on my race, name, and country of origin. 

( 3 ) AMEX does not have fair practices and does discriminates between applicants. I have never heard of keeping a record from 17 years ago and use it against the applicant. People 's lives change 180 degrees in 5 years period, let alone 17 years. Not to mention that this bankruptcy was only and only because of a divorce where before the divorce, my account with AMEX was in a good standing for many years. But AMEX did not see that I had an excellent credit with them until the divorce, but only looked at the bankruptcy and decided not to issue me a card, despite their own advertisement that mention nothing about taking in consideration the additional card user history with them.
Consumer complaint received 2021-01-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Trust Management LLC (CA)

The debit collector was very rude and tried to put some pressure to pay the debt by saying he will move forward to sue me or file a lawsuit against me when all I ask was how I would know if he is scam or real debit collector. And refused to provide any proof as a debt collector.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America sold my credit card debt to an attorney. The attorney filed a complaint in my state to recover the debt. The debt recovery was a settlement. Now Bank of America is providing a 1099-C form to me telling them I owe a debt that they sold off.
Consumer complaint received 2021-01-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

XXXX XXXX  are currently handling my private student loans from Citibank. I recently became concerned with their service when they began requesting payment while I was still attending XXXX school. Based on citibank 's policy, All payments are deferred while in school. XXXX claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by XXXX XXXX in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by Citibank based on XXXX 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from XXXX that shows what principle ( or what should be original loan amount ) and interest they have on file.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX I paid my credit card bill early and paid the entire balance. 
My billing statement closed on XXXX, I get my next months statement & there is a charge for {$11.00} on my account for interest? I phoned the company and asked them to remove it, because how do you charge interest for an additional 11 days when the bill was paid in full? 
Called on XXXX asked the company to remove it customer service representative said they would, followed up XXXX & spoke to a supervisor XXXX XXXX she stated thats interest from the prior month & theres nothing she can do. Why if this is interest from a prior month why would it not already been calculated into the bill moving forward since interest is calculated daily? 
I have well established credit & credit cards with other companies & I have never had this type of behavior especially since I always pay the bill & early? I am a long time customer & this is how this new company who took over servicing my credit card treats loyalty?
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

My Chase Freedom card includes an extended warranty program through XXXX for purchase that are outside of manufacturer warranty coverage. I had purchased a XXXX television from XXXX XXXX XXXX on XX/XX/XXXX using this card. 

Last year, the television set stopped working. As the manufacturer warranty had expired, I registered a warranty claim with XXXX, through their website XXXX. However, they informed me that they require that the unit is taken to an authorized service center and diagnosed prior to paying out on the claim. This is an impossible criteria to meet, because XXXX does not have any authorized service centers in the US. I contacted XXXX directly, and on XX/XX/XXXX sent Chase/XXXX a copy of my written correspondence confirming this. Non-authorized repair centers were likewise also not an option, as all the local repair centers I contacted informed me they will not service XXXX sets. 

After first requesting that I send them a copy of my correspondence with XXXX to resolve the claim, they are again requesting for a diagnostic from an authorized service center. It has been 106 days and counting since I first initiated the claim, and their policy is to automatically close claims after six months. I believe they are stalling for time until the eligibility window closes so they don't have to pay out on the claim.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union has just tried switching all of its members to a paid checking account model without notice except for a social media post. They have claimed that emails went out, when in fact several thousand customers all agree this did not happen. 

This seems fraudulent and sneaky at best.
Consumer complaint received 2021-01-28
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and I am very disappointed.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

In XXXX of XXXX, I requested a forebearance plan, as I am was unsure how our household income was going to be affected by COVID. We did in incur a deferral balance from XX/XX/XXXX to XX/XX/XXXX, wherein the loan was reinstated and normal payments were to resume. I applied for a refinance and attempted to pay the full deferral balance on XX/XX/XXXX. The funds were not applied as I requested and was informed that they would be. As such, we are now at XX/XX/XXXX and my refinance is pending confirmation of a {$0.00} deferral balance. I have been misinformed, mislead, and left out in the dark by Lakeview Loan Servicing.
Consumer complaint received 2021-01-27
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. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

On XX/XX/year>. I call XXXX XXXX and closed my credit account dur to hardship. I was assisted with setting up auto pay for the account and have payments taking out the account monthly. We discuss the status of the account and how much I can pay etc. We came to an amount of {$220.00}. We discussed that this was best choice for this account. Discussed this will not be reported late, will pay less interest etc. The money was set to begin being pulled on XX/XX/year>. I spoke with the rep and was assured this payment arrangement is fine, no pate payments would happen, account would report satisfied and paying on time. On XX/XX/year> I get an update that XXXX XXXX has reported this late 30 days. Again, why?? I was assured this wouldn't happen, the payment could have been made on XX/XX/year> but was assured not necessary and beginning on XX/XX/year> would be fine and safe. Please HELP FIX THIS. THIS HAS IMPACTEE MY CREDIT AGAIN. The autopay was to prevent this from happening, this is not correct or fair. Called XX/XX/year>. Spoke with XXXX reps of which, XXXX presented as team lead and was argumentative, rude, very bothered and poor/horrible customer services skills and deserves to be FIRED!! I hope they go pull all the tapes and listen, especially when setting up this account and hold your staff accountable for this huge costly ERROR.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (MA)

XXXX XXXX in RI? I've never lived in RI before ... Only in MA!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This old XXXX account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on Experian. It is bringing my Experian score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.
Consumer complaint received 2021-01-27
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. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

I requested via First Class US Mail a copy of my Full File ( Consumer Report Disclosure ) and my credit score as I was told by XXXX XXXX XXXX that you provided them with credit information on me and enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them.

In my conclusion LexisNexis behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...