davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CT)

This is a third party debt collector who purchased the debt. and has been attempting to collect claiming to be acting on the behalf of the other company who sold the debt after their insurance paid the debt, and i explained to the previous company that my identity was used without my knowledge. and further i asked this company to produce a contract where i personally agreed to do business or contract with them. and they have not done so, also according to the truth in lending act they have to have an agreement in order to collect on a debt they can't simply purchase my information and then force me to pay it furthermore the original creditor was compensated through their bonded insurance and now they are profiting again by selling my information which constitutes identity theft.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have asked experian multiple times in writing with proper identification and supporting information provide me information about how they are calculating my credit for. My credit score with experience is almost XXXX points less than XXXX and TransUnion. The same information is XXXX both of my credit reports they all mirror each other. XXXX has my credit report in the XXXX when with TransUnion and XXXX it is almost XXXX. There is no collection differences there is no information that is different on my credit cards everything is exactly the same. I even signed up for boost with experience and they have all my information and yet they never update accordingly. I want you to know how it's calculated and I want the calculation to reflect what is required by law. I feel I am being discriminated against because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are also retaliating against me because of the complaints that I have filed with them.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (VA)

On around XXXX of XXXX, I opened at Discover IT secured credit card. I opened the card with a {$300.00} security deposit. As time went on, I expected the card to graduate to a non-secured card and be converted into a regular card. Upon graduation of the card to a non-secured card, I would receive my deposit returned. The graduation never occurred. On XX/XX/XXXX, I closed this account with no balance or pending charges on the account. The account had {$300.00} of {$300.00} available. Upon closing the account I called customer service to inquire when I might receive my deposit returned back to me. I was informed it would be at least two billing cycles plus ten days. I feel this is absolutely absurd considering there are no outstanding charges and/or pending charges assessed to the account. I feel my deposit should be returned to me in a much more timely manner than in excess of sixty ( 60 ) days. It didnt take this amount of time for Discover to receive and apply my deposit upon opening the account.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

PayPal has permanently limited my business account under the email XXXX and tells me they can not discuss the reason because it would interfere with their security systems, and as a result, I am unable to access the funds in my balance. 

As per my account records, there is a balance of {$940.00} within my PayPal account. However, despite multiple reminders and attempts to rectify this issue, PayPal has withheld my funds and imposed a 180-day hold period, during which I am unable to transfer or withdraw the funds.

While I understand that certain measures may be taken to ensure account security and adherence to company policies, I have broken XXXX policies, XXXX terms and conditions and this decision has caused significant financial hardship for me. I have made every effort to resolve this matter amicably, but it is clear that further action must be taken to ensure a fair and timely resolution.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am getting lerters about pay my credit card bill for XXXX from capital one as of XX/XX/year>. I have been unemployed due to an accident caused by other.in my place of work. Could not pay for that debt accordingly, so my dispute is as soon as i am able to work i will pay those XXXX, i would like to know if they will ruin my credit which is not so good right now XXXX. Or will they be able to wait. Is this letters coming from capital one or someone else like a collection agency i would like to know. Whats the best i can do and how long would i be able to hold the debt with out having to go truough anorher call or letter. In the mail. Thank you ... XXXX XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NJ)

I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

Credit acceptance- {$8800.00}. XXXX XXXX {$570.00}. XXXX XXXX XXXX- {$1100.00}. XXXX  XXXX XXXX- {$780.00} and hard inquiries i tryed contacting them no response.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (KY)

I have called GM Financial ( XXXX ) XXXX multiple times and get transferred to multiple departments and no one at GM Financial can seem to locate this erroneous duplicate account XXXX XXXXXXXX or send me proof, that they are showing on my credit reports. 

It is very frustrating that no one at GM Financial can even locate this information for me and furthermore delete this error. Again, I only had one loan with GM Financial and it was paid in full and closed. That was account XXXX XXXXXXXX in the amount of {$17000.00} and paid in full. I have no idea where this duplicate erroneous account XXXX XXXX originated or who opened this account without my signature or knowledge. It is obviously an error/duplicate and needs to be removed from all three credit reporting agencies.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, Bank of America reported my account delinquent to the credit reporting agencies. I settled my account with BofA that year and paid my account per the settlement. According to FCRA, BofA and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with BofA and I am continually told that they are reporting correctly. When I called BofA on XX/XX/XXXX a BofA rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX  contacts BofA, BofA tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from BofA and XXXX. This is also happening with XXXX 's XXXX ( credit card now through XXXX Bank was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (TN)

I initiated arbitration with Net Credit due to my disagreement with the amount outlined in the FCRA and their agreement. According to their terms, I have the right to arbitration. Despite regular deductions from my bank account, they not only collected a recent payment but also sent threatening correspondence and charged off my account without ever acknowledging my arbitration request.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (GA)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) falsely put a late fee on me a month after I moved out and my lease had ended and was paid up and sold the debt to pro collection Inc which caused a delinquent on my credit and me to lose XXXX points damaging my score. Pro collection Inc requested proof in which I sent in as well as the XXXX XXXX because in their words they lost track of all information when the property manager resigned.i have sent in proof that I moved out a week early and turned in keys I've sent proof of my new lease start date light bills last rent payment receipt for XXXX XXXX and so on both companies keep assuring me that they are going to fix it yet Pro collections keeps leaving voice mails on my phone from the number provided even though it's not the company number. Pro collection number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I had a charge on my XXXX card for {$2300.00} from XXXX XXXX XXXX. When I stayed in the hotel with my husband he had an accident due to negligence by the hotel. The hotel has an unusual amount of condensation and because of wet floors and stairs my husband fell down the stairs and sprained his ankle on the second day we were there. I asked the hotel for the video and they refused to release it. The hotel did nothing to aid my husband and for the rest of our vacation he was unable to walk around freely and we had to cancel all of our activities. I disputed the charge with chase XXXX and got a very abusive response. They had terrible service telling me from the start they dont think they can help. chase makes it difficult to talk to management and by having only a telephone number makes it impossible to talk to anyone. When I called I had to spend hours waiting to talk. Chase doesnt offer email communication or chats. When I never heard from them I called again a few months later to find the results and they informed me on the phone it was denied. Chase never send me a written response until I asked for it. I disputed again and now we needed to go into arbitration but chase never asked me for my side or any new information. I was not involved in the arbitration which I find unacceptable. Chase said they represented me in the arbitration but when I asked for the legal notes with names of the lawyers and arbitrator they never send me that information. Chase is my CC company and they never were on my side. Chase didnt do their fiduciary responsibilities to protect ME the consumer. All I see is XXXX huge corporations getting together to squash a consumer rights.
Consumer complaint received 2023-04-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MO)

I got a title loan on my motorcycle for roughly XXXX dollars the bike was stolen 2 weeks later I reported it to them but they wouldnt stop intrest which was outrageous I told them the loan would be paid by insurance soon ling story short it took me a month to settle with XXXX an interest was going up daily so it end up costing me an extra XXXX dollars that it shouldnt have and I want my money back it was for a XXXX XXXX I could have gotten the bike back from insurance when they found the bike but didnt have the money because they got majority of my insurance check of XXXX dollars all for a XXXX dollar loan for 2 weeks. On top of that I get a letter stating they lost my ss number and all important info of mine due to a security breach so I think this company owes me money.. I was trying to buy a house and my info is out there somewhere being used by who knows. So what happens to them for giving my personal info out to a hacker that will try an ruin me even further the motorcycle i lost the chance to recover from being stolen was my dream bike and never will get a chance to own it it was a pristine condition bike worth XXXX dolllwrs to me atleast original paint low miles one of a kind survivor I hate this company for this
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (MO)

I am a victim of Identity Theft. Discover Card Financial processed an application from a person who stole my identity. Ran an Inquiry which resulted in a drop in my credit score. Contacted company XX/XX/year> - " XXXX '' in Utah, who stated it would be converted to a " soft inquiry '' and I would receive a letter. May take up to 90 days. Conversion has not been accomplished and I have not received any correspondence from Discover Card. Contacted them today, they stated there is no record of anything associated with my Social Security Number. I request deletion of the Credit Inquiry.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

This Credit Card Company name Discover Card Service continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for Discover Card Service XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

Discover Card Service and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, Discover Card XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

Discover has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's System. 

They are in clear violation of the Federal Debt Collection Act under section See 28 U.S. Code Chapter 176, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

This account XXXX  Account number XXXX is only showing on my XXXX report but it should be showing on XXXX and Equifax but for some error reasons it's not I have made a complaint and nothing was fixed and now I'm making another one no one have helped
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I have called Synchrony Bank numerous times, speaking to named and noted CSR Reps after receiving monthly statements with account balance and minimal payment due with statement not showing purchase information. 
Because Amazon Store Card is Synchrony Bank, I reached out to XXXX XXXX via email that XXXX as Executive CSR has replied. I am currently waiting on his next reply. The last three contacts with Synchrony Bank are aware of my intent for resolution.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I have been affected by the Equifax Data Breach. There are discrepancies throughout all of the major credit profiles such as XXXX, Equifax and XXXX. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.