davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job in XX/XX/XXXX because they tried to garnish my wages.
Consumer complaint received 2018-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (CA)

Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . 
Also Requesting charge off be removed contract was paid. 
I would like to provided a corrected summary of payments.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion forced enrollment in a monthly subscription program, in order for me to receive my credit report.

On the home website, there are two buttons to see what's advertised as a " free credit report '' but in actuality, is a $ XXXX/month subscription. One button says : " My Credit Score & Report '', the other says " Yes, Show Me My Score ''. Both of these force you to enroll in a program that costs $ XXXX/month, and is not clearly advertised.

The free credit report allowed for all customers under the Fair and Accurate Credit Reporting Act is NOT provided easily for users to be seen on their home page.

To all other users getting a credit report, DO NOT ORDER FROM TRANSUNION DIRECTLY. Instead, go to XXXX XXXX XXXX. Per the FTC, this is the ONLY way to get free credit reports : https : //www.consumer.ftc.gov/articles/0155-free-credit-reports
Consumer complaint received 2018-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation (SC)

I was a victim of identity theft ( with multiple payday loan companies in XXXX SC ) My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began inXX/XX/XXXXXXXX XXXX  2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Consumer complaint received 2018-03-30
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: FORD MOTOR CREDIT CO. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXXXXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. 

Please contact me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (GA)

I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX  2018 I transferred money from my Bank of America account to an account at XXXX XXXX. I was not aware that Bank of America was using XXXX, which is not insured in the way a typical bank transfer would be. There was no warning about the transfer and nothing to let me know it wasnt a secure transfer. The person I was transferring to was selling tickets and gave me all his information and seemed legit, even took a screen shot of the tickets and sent to me. Once I transferred the money he disappeared, never providing the tickets. I immediately contacted the bank assuming the transaction was secure and protected against fraud as my other transactions are. Bank of America agreed to contact XXXX but could not help ensure I get the money back and neither bank seemed able to help with this fraudulent situation.
Consumer complaint received 2018-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I received student loans while a graduate student ( XX/XX/XXXX-XX/XX/XXXX ). Upon graduation I started making payments through XXXX XXXX in a timely manner, and have never missed a payment. I Consolidated my loans at some point, XX/XX/XXXX I believe, and switched to the minimal payment plan at some point. 

I heard about the loan forgiveness program after working 10 years for a state agency, several years ago and assumed I was covered because, since graduation, I have worked for a state university since graduating. 

I found an article describing the forgiveness program and submitted a request to be considered as my tens years was coming up. I was immediately told I had to switch to XXXX XXXX ( by XXXX XXXX ) because they were they only loan company handling the forgiveness program, so I filled out the paperwork and had the loan switched to them. Throughout, I have continued to make payments every month on time ( they are directly drawn on my bank account ). 

After the account was switched ( XX/XX/XXXX ), I submitted the PSLF form to XXXX XXXX, who then informed me that I did not qualify because of the type of loan payment plan I had been on. Of course, I was never told by XXXX XXXX, or my other student loan company that the forgiveness program was dependent on the type of loan payment plan. Obviously, had I known, I would have switch. 

I feel I was duped in two ways : 1 ) by not being told about the ins and outs of the forgiveness program by either of the student loan companies ( XXXX XXXX or XXXX XXXX   ) ; and 2 ) for being told I had to switch to XXXX to to have my loan forgiven, only to find out I did not qualify ... I see this as bait and switch type promotion.
Consumer complaint received 2018-03-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Consumer complaint received 2017-09-20
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. (TX)

I called XXXXn several times regarding them removing all of my inquiries last year between XX/XX/XXXX - XX/XX/XXXX. I advised the representative that transunion removed XXXX inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did i want to dispute betweenXX/XX/XXXX and XX/XX/XXXX. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. The representative put me on hold and talked with his supervisor. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch. After spending over an hour on the phone trying to plead my case, I hung up.
OnXX/XX/XXXX, I made another call to transunion ( XXXX XXXX XXXX ) hoping I would get another representative in the United States. I spoke with a representative whom checked to see if I was part of the inquiry glitch. Low and behold I was, despite the false information I was given on the previous call. The representative then advised me that she could only remove the inquiries between XX/XX/XXXX- XX/XX/XXXX. I then advised her that all of my inquiries were removed and not just those made between the date they had their system issue. The representative then told me that she could not help me with all of the inquiries. I am so frustrated with Transunion. They failed to notify the parties affected by their system issue based on FCRA 611. The consumer should not have to spend days and hours on the phone trying to get them to fix a problem they were ver aware of.
I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

on XXXX not sure of the date i disputed a debt for {$700.00} for XXXX XXXX XXXX which is now know for charter communications on XXXX XXXX i received a letter stating they were deleting the {$700.00} because i gave them prove and all that the account had not belong to me so they removed it last year XX/XX/XXXX then i guess they sold it to another company which i disputed that again so they removed it again i provided them with prove the account was not mine here we are again XX/XX/XXXX and they have a new collector name CBE GROUP collection agency putting back on my credit i went through all of this did what they asked it doesn't belong to me im asking to tell them remove it immediately from all three credit reports or i will be suing them for reporting negative information on my credit report which is affecting me tremendously from moving forward. ' tired of this you cant make an account belong to someone that isn't theirs PLEASE DO SOMETHING OR I WILL BE FILING A POLICE REPORT MONDAY MORNING THIS IS RIDICULOUS.
Consumer complaint received 2018-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DC)

During the past month I have disputed the validity of the alleged debt that XXXX  claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX  after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX  Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.
Consumer complaint received 2018-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

I have been in contact with XXXX XXXX XXXX agency within the past couple of months. About an Account on my credit profile that was fraudulently open. And I've asked them to remove this from my credit profile and they have not. This is for a XXXX phone account in which I never open nor did I give any other person authorization to open.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MD)

I signed up for Experian credit monitoring in XX/XX/2015 I have no complaints over the information I have received. However, I now want to cancel my credit monitoring subscription which costs {$25.00} a month. 

There is no way to cancel a subscription online, and when I have called the phone number they give to cancel ( XXXX ) the wait times are extremely long. I have called 5 times now in the past month. The first time I was told the wait time was 45 mins. The next 4 times I called, I was told the wait time was more than 2 hours!! I have called at several different times throughout the day to try to find a shorter wait time, but with no success. 

It seems very clear to me that Experian are intentionally understaffing their cancelation call center to reduce the number of people that are able to cancel membership.
Consumer complaint received 2018-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

XXXX XXXX XXXX, Loan # XXXX  has transferred our VA Mortgage Loan Payments to Freedom-Mortgage without letting us know what is going on. Since the transition finalized by this two Financial Mortgages companies. I did contact Freedom Mortgage Loan # XXXX by ( e-mail ) several times. To let them know, I will not making no payments to my Mortgage VA Loan. Until Payment Rectification is make to my Escrow Payment. Since XXXX XXXX XXXX defraud me and my wife with our ( Tax-Exemption ) never been removed from our Escrow payment ever since XX/XX/XXXX through XX/XX/XXXX Seven payments has been made to our home since with tax including, Never remove from our Escrow payment at all. Therefore ; its a breach of contract, as well defrauding us with our Mortgage payment. Its also falls under : " False Statements Statute U.S.C. 1001. Section 2 '' Especially, the general Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the fedral government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use document known to contain a materially false statement or entry. False statement statute. see also Exculpatory which also a breach of contract against us. We are seeking help to Relegate this Maladminister conduct which become a ( XXXX   ) in America. Nowadays. after 8 years of Collusion conspicuously.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I logged in to my Walmart Account ( Synchrony Bank ) to make sure that my account was set up for payment. I noticed that my credit limit had decreased by {$350.00}. I used the on line chat and the person was not much help and said that I will get a letter in the mail. I asked to speak to a supervisor and I said I do n't understand that I have never missed a payment and she said it has to do with my credit score. While on line I pulled up my Fico report and said since you issued me the card my credit score has gone up over 25 points so that is not the reason. She said to wait for the letter. In the meantime I got a Fico alert that my credit score decreased by 25 points. I logged on it was due to the credit limit decreased imposed on my by Synchrony Bank, nothing else had changed. Credit Limit Decreases look extremely bad on your credit report. I then waited for the letter and the credit score they have listed and what my XXXX credit score on their " website '' ( yes, they show the actual Fico Scores ) was not correct. My credit score was much higher then the letter they produced. They are trying to blame transunion when in fact this company does practice what is called credit chasing. You use your card and pay it off and then as you begin to use it again, they start decreasing the limit. I looked on my Fico forum and there are tons of complaints where Synchrony Bank has done this to many cardholders for many retail accounts. And they send a notice about two weeks later, meaning if you go to the store and use their card and you are unaware of this you could get denied and embarrassed at the check out. This should not be allowed. If I had missed payments, abused my credit or my credit score actually did decrease significantly then definitely I could see that they want to protect their money. But not only was this not true, they actually made up a score to decrease my limit.