davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AZ)

On XX/XX/2020, a letter was created by Credit Collection Services in XXXX, MA stating my account was sent to them for collection from XXXX XXXX XXXX. 

I received the letter on XX/XX/XXXX in XXXX, AZ at which point I immediately opened up their payment website, was offered a 3 month payment plan, and accepted it with a payment for {$89.00} due immediately. The 2 subsequent payments were paid on XX/XX/XXXX and XX/XX/XXXX respectively for a total of {$260.00}. The account is now paid in full. 

Today, XX/XX/XXXX, I received notice from XXXX  that an account was placed for collection on XX/XX/XXXX from the same Credit Collection Services for the account that not only was addressed in a very timely manner, but also 2 out of 3 payments were made with the XXXX being paid off in full 4 days later. 

I called the company CCS and requested to understand why they intentionally tried to damage my credit and the representative said he can do 2 things : send me a letter saying the account is paid in full, and let the credit bureau know within 10-14 days that the account is paid. I told the rep that is not good enough. They are intentionally ruining consumer 's credit for absolutely no reason whatsoever. They received their monies, the accounts paid in full so why is it necessary for you to report it the credit bureau. 

I am XXXX years old, a XXXX XXXX  severely impacted by the XXXX  crisis, I've paid my debts to society, haven't had a collection in over a decade and I am trying to buy a house after renting for over 20 years. I've worked my XXXX off to get where I'm at and companies like this make me sick. This predatory and unnecessary action has totally jeopardized my highly-prized and highly protected credit bureau. 

This company should be ashamed of itself.
Consumer complaint received 2020-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian as of XX/XX/XXXX, still reports Unverifiable, inaccurate and multiple fcra violations on account : XXXX and XXXX XXXX. 

: Account is in violation for not reporting last date of payment. 

: Account was last updated in XXXX of XXXX even though I dispute this account back in XXXX of XXXX, a violation : Account currently doesn't report last date of activity as required by law a violation.
Consumer complaint received 2020-03-19
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. (OH)

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clarity Services (CA)

Good Afternoon, I contacted clarity services after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since XX/XX/2007. 

Ive had numerous bank accounts, housing and credit opened on my name. Clarity services provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however XXXX  and Clarity Services has not removed XXXX or XXXX  XXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX XXXX  for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XX/XX/2007- now. Also attached is my -fraud Alert on my credit file. 
- report verification from clarity services. 
- letter sent of most recent attempt from clarity services. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.
Consumer complaint received 2020-03-19
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One plays games. Attached is latest letter from Capital One regarding two cards. It is frustrating because Capital One continually misunderstands and I am now convinced they do not misunderstand but are playing word games. Capital One accuses me of denying ownership of the accounts. I do not. Capital One then goes further by stating my phone number was used to perform maintenance on the accounts. Yes, BUT and I capitalize BUT, the thieves used another phone to make fraudulent payments and Capital One states they do not have records of the phone used to make these payments. So, Capital One states my phone number was used to perform maintenance but refuses to provide the phone numbers used that made fraudulent payments in 2017. 
FURTHERMORE, thieves stole my card, made fraudulent payments, I filed sheriff 's report, Capital One closed the account, then Capital One charged off the account, AND THEN CAPITAL ONE ACKNOWLEDGES THE FRAUD, REDUCES AMOUNT DUE WHEN I CAN NOT PAY A LUMP SUM! In addition to now playing games, Capital One isn't organized. Card amounts should have been reduced long before canceled, charged off, and then sold to a debt collector.
Consumer complaint received 2020-03-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT ED/XXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} US DEPT OF ED/XXXX/XXXX  XXXX {$560.00} XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC ()

My spouse passed away XX/XX/XXXX. I received a bill later for a medical charge from XXXX, XXXX XXXX, CO. I sent a note back saying he was deceased. I received another bill and I sent a copy of his death certificate. Now I received a letter Service Credit Service to " COLLECT AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' i will be XXXX years old and on a fixed income due to his death. He was the main holder of our insurance through the Fed. XXXX XXXX. I lost my insurance plan due to his death and had to get my own individual plan and it was cancelled XX/XX/XXXX and then I had to get another plan which did not start until XX/XX/XXXX. 
Am I responsible for his medical bill? Since they do not accept the fact that he died and see his death certificate, what can I do? Will this affect my credit rating? Please advise what can be done.. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I called navient in the wake of coronavirus epidemic. My XXXX XXXX is closed for 2 weeks as per the american XXXX association, so I have no income. I am XXXX XXXX, so no unemployment insurance. 
I understand federal loans are waiving interest. Navient will not offer any programs other than forbearance - so defer and then capitalize interest when this is over! 
There is no relief, very unfair during a crisis. 
Pushing people into forbearance will only delay the bigger issue - heavy interest. 
They keep responding to my complaints with corporate padding answers, no legitimate solution. 
What about the rest of the millions of students with loans. 
We need a class action suit against Navient lender.
Consumer complaint received 2020-03-31
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 (NJ)

I am writing to dispute information on my credit file for this CAPITAL ONE BANK USA with Account Number XXXX. My full name is XXXX XXXX XXXX and I was born on XX/XX/. According to XXXX, the owner of this account is one XXXX XXXX XXXX who date of birth is just XX/XX/XXXX. In addition, my XXXX  credit report does not show any account number for this CAPITAL ONE BANK USA. I believe it is an account that should not be on my report because it does not belong to me. Kindly provide proof that shows this account belong to me with my full name on it, full account number, my full social security number or delete it for my credit file.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Visa sent a notification to citizens bank my account holder that there is a possibility of a fraudulent merchant involved with my account. 
My card has been cancelled without my knowledge or input in any way. Citizens says there is no fraudulent transaction just a notification from visa that the account number may be compromised. 
Have they notified XXXX it XXXX in the process? Citizens has no information. 
In my opinion visa needs to provide specific information about the suspected fraud to the consumer and the bank. 
How am I supposed to prevent another questionable transaction on my end without any specifics?
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (MN)

I was contacted by Glass Mountain Capital on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and Glass Mountain that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Business Factors (CA)

I submit a debt validation request dated Monday, XX/XX/2020 and did not receive a letter back from NBF until XX/XX/2020. In the letter it only states they spoke to their client and their client is not a contracted provider with my insurance. This answered few if any of the requests in the debt validation request dated Monday, XX/XX/2020. In addition, I started receiving phone calls from them on XX/XX/2020 and per my understanding it is a violation of the collection practices act for a debt collector to fail to respond to a verification letter. I completed additional investigation and found multiple complaints and lawsuits against NBF for similar circumstances, please see below for sources : XXXX XXXX XXXX : XXXX : XXXX Roth Et Al V. National Business Factors Inc. of Nevada XXXX XXXX XXXX
Consumer complaint received 2020-03-19
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: U.S. BANCORP (MN)

I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. 

Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. 

I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. 

I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up response.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA statements hide ALL CREDITS INTERNALLY SO I CAN NOT UNDERSTAND THEM WHEN I CAN NOT VIEW THEM I DO NOT UNDERSTAND HOW 1 ) Temporary Credits are DEDUCTED the Same Day they are CREDITED?? How does this work? 2 ) Why do Temporary Credits ( not made permanet yet ) TURN INTO NEW PURCHASES?? ( +1 ) credit + ( -1 ) credit = ZERO CREDITS AS IN NONE.How does USAA USE TEMPORARY CREDITS TO CREATE NEW PERMANET PURCHASES? How does ZERO NONE CREDITS BECOME A NEW PURCHASE?
Consumer complaint received 2020-03-19
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. (CA)

I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My mother died 5 years ago. One year before that she signed the deed over my to name. When she died I contacted Bank of America 's legal department and they sent me a whole bunch of papers that I had filled out notarized and signed back to them. I called now because Governor XXXX put into effect that mortgage payments can be waived for 90 days. Since I am not working because the school I work at is closed due to the virus and I am not being paid, I called Bank of America to try to find out how the 90 day waiver worked. I am being told that I can not speak to anybody unless I get a court order saying that the house is mine. I have been paying this mortgage for 5 years my name is listed all over the contact information I am the daughter of the person that owned it, I have lived in this house since I was XXXX  and sent them all the paperwork you needed. Now in the time of state of emergency you're telling me I need to go to court to get a court-approved document saying I own the house when I already have a deed, to speak to somebody. They are asking for me to obtain a document from a court saying I can talk to them when all the courts are closed because of this virus. They already have all the paperwork in their possession. I am the last of my family I have no other family living. She did have a will and everything was left to me since I was the sole survivor or heir however you want to put that. I have given this information to them before and they have told me the information I needed when I called and now all of a sudden during state of emergency they're telling me I need to go to court to get a document saying the property is mine when I have a deed saying it is. This does not have to go through probate court because there is nothing to probate and they will not understand this. The property is listed as an estate on their Bank documents how would they know to listed it as that unless they got all the information from me.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (MN)

XXXX and Equifax this dispute/ complaint is directed to both of you mainly XXXX XXXX You are the one that run to these courthouse snooping around to see what you can find to report on people. The reason I know this because each reporting agencies XXXX XXXX, Equifax tells me so. Because each one states that you claim you verified the dispute. It is listed on each of the reporting agencies! Since you are running back claiming you verified the inaccuracies and violations of the FCRA. I have a few question and request 1 ) review Equifax credit report that is attached to this dispute could you please tell me why was the public record XXXX deleted from the credit file? I have asked Equifax 22 time as to why! All they can tell me is that XXXX verified alright since you verified Im asking you why did the United States bankruptcy court of Minnesota asked to re-insert the public record back to Equifax credit report?? They would have been the only one that had the public record re-inserted! Due to the fact that is where the bankruptcy was filed! So since Equifax tells me you verified the information in question. Since you verified and Equifax tells me that you did. I Exercise my rights under FCRA 609a ( 2 ) to request and for you to tell me and provide me with the following information Why was this public record Re-inserted back to the credit file?

Who told you to add this back to the credit report I need the name of whom you spoke with name phone number! On there company letter head! 

XXXX is an electronic public access service for United States federal court documents. It allows users to obtain case and docket information from the data base but XXXX  wouldnt not and Is not equipped with removing and adding bankruptcies to a consumer credit file so we know XXXX didnt have anything to do with added or removing anything from Equifax credit file! Again if you try to even come back trying to say XXXX did this I again exercise my right under FCRA 609A ( 2 ) for you to provide me information from XXXX  and the name and phone number of a representative from XXXX that states that XXXX does remove and add public records to a consumer credit report! XXXX you are the data furnisher again you have people running in and out of courthouses viewing XXXX  system which is third-party vendor like yourself. And nobody but your Organization re-added the public record back to the report! 
2. You failed to notify me within 5 business day of the Reinsertion which puts you in violation of the FCRA i asked that you remove the public record that indicated it was delete it and re-add it nobody did it but you! 
All Equifax can tell me is XXXX verified my dispute as to why was it re-added now Im asking you for factual proof as what and how did you verify it! The Equifax report is uploaded which shows that you verified it!!!! I will be waiting your response! And I thank you!! 

XXXX