davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

Experian has been billing my credit card {$24.00} per month for ten months ( XX/XX/2023 XX/XX/2023 ) for services I never requested, authorized, wanted, needed, or used, taking my money without my knowledge or consent. Their customer service via phone or on their website does not offer any means to report or complain about this. Both systems are menu-driven and none of the menu choices are applicable, deliberately making it impossible to report the problem to Customer Service XXXX
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

I am a XXXX XXXX XXXX man with XXXX. On XX/XX/year>, XXXX men in XXXX, New York forced me to an ATM and made me make XXXX withdrawals of {$200.00} from my bank account under force of threat. Immediately after the incident, the police officers arrived at the scene, took me along with a security guard who attempted to intervene to the XXXX precinct in XXXX, reviewed the ATM footage showing the robbery and took a report. I immediately froze my card. The police report number is XXXX. 

A few weeks later, I went into the bank to a get a new card and was informed that the money would be credited back to my account within XXXX  days. Today I realized the money had not yet been credited back, so my mom and I placed a call to the bank. The XXXX  XXXX representatives hung up on us. On the XXXX  call, I finally spoke to a supervisor, XXXX. He told me the claim was denied and that because the muggers made me punch in my pin, I was not entitled to a refund until after the police caught the suspects and they were prosecuted. I can not believe this is Chase 's policy. And if it is so, it should be published and made known to the public.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

I got Company before he tried to do the same with me and he dont able to have proof. I owe the money so now after you guys send the letter to that company and take off my collection. The same company is sell the problem to the other collection company And the collection company you have any proof to I owe the money so I wan na resolve these problem because it cost me suffering economic against my credit
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (LA)

Macys ( Citibank ) AGAIN is trying to charge me interest on a paid off balance. My due date is the XXXX, my statement balance was paid in FULL EARLY on XX/XX/XXXX ( {$21.00} ) which they acknowledge. But they are trying to charge me a {$2.00} interest fee on both my XX/XX/XXXX and XX/XX/XXXX statements. This is NOT the first time they have done this, it happens EVERYTIME I payoff my balance. I pay in full ON/BEFORE the statement due date yet the next statement they hit me with this illegal interest fee. When I call to question this, they tell me it is the min interest charge because I would have had to payoff the month BEFORE this to avoid it??? They are doing this knowingly because more than once I have brought their error to their attention and they are doing this to thousands of other clients as well, many who don't know any better and pay it. Then they also send late notices and make collections calls on this BOGUS " padt due '' balance including reporting it as past due to the credit bureaus as well. This is illegal and a scam being perpetrated against their customers and who knows how much illegal income they derive from it ( which is most likely why even though it has been brought to their attention, they continue to do it ). Citibank and Macy 's should be thoroughly investigated for these intentional illegal practices, be made to reimburse those who were made to pay these illegal charges, heavily fined for the violation of the laws and paid damages to those who have had their credit reports FALSELY damaged with their BOGUS reports of late payments and padt due status. I have saved the voice recorded collection call I received on my home phone today and will try to include a screen shot of my XX/XX/XXXX statement showing this charge. Please do something to make them stop this illegal practice for the sake and benefit of the consumers they are scamming.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : CAP ONE - account number : XXXX and CAP ONE - account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (TX)

My husband and I both received a Statement of Credit Denial from TD Auto Finance in the mail today, XX/XX/year>, concerning an application for sales financing of a new motor vehicle by XXXX on XX/XX/year>. We did order a XXXX XXXX XXXX on this date with financing arranged by XXXX. We took delivery of the vehicle on XX/XX/year> and were not notified by XXXX that we had initially been denied financing by TD Auto Finance. The vehicle was ultimately financed with XXXX. We first received notice of this credit denial in the mail today on XX/XX/year>. Because both my husband and I have near-perfect credit and fully own 2 homes and another vehicle and have sufficient assets in the bank to fully cover the cost of the vehicle we were purchasing, we were both surprised by this credit denial. We can not find a reason that we would be denied credit and have never been denied credit before. We were later approved by financing by XXXX as I mentioned above. The statement of credit denial gave the specific reason for denial as " OTHER APPLICANT : UNABLE TO VERIFY APPLICANT INFORMATION OR IDENTITY '' It said that information from our XXXX credit report was used in the decision so both my husband and I checked our individual XXXX credit reports and could find no inaccurate information in it, other then we have recently purchased a new home ( not financed ) and moved and so we have a new address that is not yet showing in our credit reports, however, we still own the home that is shown as the current address in our credit reports. I called TD Auto Finance on XX/XX/year> to ask for additional information about why we were denied credit and they responded that because they are not an individual lender, they could not provide any additional information and that we would have to reach out to the dealership ( XXXX ) to get this information and that they would have the information. Because TD Auto Finance was the party that denied the credit, I did not believe this answer and I am still seeking additional details as to why we were denied credit for the purchase of a XXXX vehicle.
Consumer complaint received 2019-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There were 2 Capital One credit cards opened under my name. One of them was resolved however I spoke to a XXXX at Corporate office ( XX/XX/2019 ) letting her know that the man who was initially taking care of this account was harassing me and that I no longer wanted this rep to take care of me. I was reassured that he was no longer dealing with my account ending in XXXX. I went to my office ( XX/XX/XXXX ) only to find a letter with his name on it stating that he found no fraud on the act and that the charges belonged to me. After opening the letter, I reached out to XXXX in Corporate office 3 times and as of today XX/XX/XXXX, I have not heard from her. I called another 800 number and was transferred to the man XXXX. I asked him how did he verify that the charges on the account were mine and he could not respond. At that time he proceeded to tell me that the act was still under investigation with someone in the escalations dept. I also asked him why I was receiving statements if the account was still under investigation? He also could not give me an answer. This has already negatively affected my credit one time. This needs to be handled by the Corporate office like I was told.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Good Day -- Capital One has charged me a {$40.00} late fee on XX/XX/2024. In addition, they have been charging me an average of {$160.00} per month ( {$110.00} in interest ), even though I don't use my credit card every month or I purchase small items -- such as coffee, XXXX XXXX subscription, etc. I was laid off on XX/XX/2024, and can not continue to afford these exorbitant fees. I have attached my termination letter as proof. Recently, I enrolled in autopsy ( {$80.00} every other Sunday ). YTD I have paid {$200.00} in total fees. My APR rate is 29.24 %. I am unable to continue payment as I am not employed. 

Thank you.
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: TRANSWORLD SYSTEMS INC (IN)

I originally borrowed money from a. bank in XXXX it was all serviced with AES America Education Services ended up in the hands of XXXX. I was paying around {$680.00} at 13 % interest. Originally I had around XXXX now my loans are totaling around $ XXXX. In the beginning I tried to get them to lower my payments so I could just be able to afford these loans. In every efforts to try to prevent a bankruptcy case, I pleaded with them and however they failed to accommodate to me. Furthermore, my mother who was helping me pay on these loans as a co-borrower passed away! I explained to them and they still was unable to make things right. Along the way I even asked how I was expected to pay if I lost my good paying job, should I live in a " cardboard box '' and their answer was yes Maam! Long story short, I had finacial difficulty and filed bankruptcy around XXXX and despite me filing bankruptcy in XXXX they decided to put judgements on me. I hired a attorney to help me he was able to get several of these judgements dismissed however, there are XXXX judgements remaining and it hindering me for buying a home. During a recent phone call with XXXX, they informed me I couldn't relieve these debts in bankruptcy, and even though the judge dismissed some of them they didn't care, they would still make me pay all of XXXX back! Also, threatened to clear my account out as they did in the past. Sadly, I may be loosing a my dream home because I have to come up with a solution. 
AES/XXXX XXXX judgement amount XXXX XXXX judgement amount XXXX XXXX judgement amount XXXX XXXX judgement XXXX Also, about a year ago they sent information to my old attorney who then proceeded to file my employment information to start garnishing my wages and did not give me the opportunity to settle this or talk with the courts. I am not really sure why they failed to contact my current attorney but I am not happy with this situation at all!! I believe that is breaking the law! Furthermore, even though I have an attorney they continued to send letters and notes instead of my attorney.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (FL)

XX/XX/year> I paid off my first progress credit card it was in collections I paid it in full and they're refusing to remove off of my credit report I've been trying to reach out to experience doing disputes trying to remove off of my credit report there is no term date so I don't understand why it's not removed
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX, my vehicle was broken into. My wallet and other valuable items were taken. My wallet contained my phone, license, health insurance card, car insurance card, COVID-19 vaccination card, cash, and private information. I believe the incident occurred while I was attending mandatory clinicals for my XXXX  program. My clinical groups were instructed by our XXXX  dean to always park as far away as possible from the hospital to respect patients and visitors. That week, I attended clinical every day for twelve hours a day. My car was mainly parked in unsupervised, wooded areas.

Since my clinical schedule was so busy that week, I did not realize something was wrong until I randomly checked my online account and saw that numerous large transactions had been made with my debit card in multiple states. The total amount of fraud was well over XXXX XXXX XXXX, my entire savings. I immediately contacted Bank of America and I filed two claims, however both were eventually denied. I have contacted Bank of America time and time again since then seeking a resolution. They have denied every claim. I have explained the incident to them in detail. I have restated multiple times that I did not authorize any transactions that were made. I have provided various pieces of evidence proving my whereabouts during the period of time the transactions were made. I have restated multiple times that my phone was not in my possession, nor did I have a password on my phone at the time. I had to replace everything that was stolen including my phone. I have provided Bank of America with more evidence than I honestly think is needed. I have provided my work schedule, clinical schedule, class schedule, police report documentation, XXXX  exam documentation, documentation from my doctor who I visited during the period of time the transactions were made in other states, etc.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

Amex has been reporting an account to my credit for a long time. It was not until this year that I was made aware of it being in Identity Theft issue. I have and will attache the police report the FTC report and proof of my ID. I have called Amex and they told me that this was a company account and that they have me listed as the owner, I was not nor have I ever been the owner of any company. I have only ever gotten XXXX pice of mail from them and that was after I started the ID theft claim. I have given them all the of the attached reports but they dont care. They have responded the the credit agencies that they show payments on the account made from a chase account. I have not do not will not bank with XXXX bank. someone stole me information and used it and now Amex wants me to pay it. I can not keep getting denied for credit because of this account reporting negative on my credit.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-19
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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this inmediately re-investigated. the inaccuracies are higty injuerious to my credit score TRANSUNIONS : XXXX NUMBER  ACCOUNT : XXXX DATE : XX/XX/year> 2024
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Consumer complaint received 2024-06-19
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. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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