davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I XXXX XXXX XXXX XXXX XXXX XXXX, printed in conspicuous form that the tendered payment was FULL SATISFACTION OF CLAIM and I mailed it to address provided for mailing payments as stated in the AFFIDAVIT OF TRUTH FOR FACT FOR RESPONSE OR REBUTTAL IN 30 DAYS OR DEFAULT ET AL. All mailed instruments/ documents were an : Affidavit of Truth For Response Or Rebuttal Within 30 days of Default ET AL , Exhibit A " Accepted '' State of account and returned for Deposit Entry for credit card Account ended in XXXX & account ended in XXXX, Exhibit B - Postal money order instrument Number ended in XXXX, Exhibit C - Back of the Money Order, Exhibit D - Money Order Status ( money order has been cashed ), Proof of Service and Delivery. This satisfaction of claim sent to Capital on XX/XX/2023 and delivered by XXXX on XX/XX/2023 to an representative of Capital One. The Exhibit A Deposit was not discharge or applied to my account as stated in XXXX XXXXXXXX. Capital One accepted the terms on my contract and has now Breach the Contract for failing to commit to performance obligation to discharge this matter and show a accurate statement of account ender in XXXX & account ended in XXXX. I have issue three tends of Payments to Capital One and all have been accepted and cashed. I asking for Capital to honor my Deposit and Money Order by giving my credit back to accounts ended in XXXX & XXXX.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (NC)

I am frusting because company is placing charges on my account that i am not familar, Please investigate and remove. I have been over 60 Days and the company is still reporting inaccurate information
Consumer complaint received 2017-11-22
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: Experian Information Solutions Inc. (GA)

To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company, Resurgent Capital Services/LVNV Funding, is practicing unfair, deceptive and misleading practices. They are in the business of selling and obtaining personal information which is an infringement of my right to privacy under Chapter 41 Title 15. Other violations include harassment, unfair, deceptive and misleading practices under Title 15 USC 1692. I've noted 18+ violations in the form of an Affidavit of Fact and this company is required to respond with an Affidavit rebutted line by line and a sworn statement signed under the penalty of perjury. This company has not done so because they are aware of their illegal practices. Florida State of attorney general is put on notice of further violations under Florida Statute Title 33 chapter 559 prohibited practices.
Consumer complaint received 2022-05-22
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. (CA)

XXXX, XXXX AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NY)

BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I am XXXX years old with over 800 credit score, and over $ XXXX in A Chase Accounts, i own four properties totally paid off. 

I been banking with chase for over 10 years, yet I have applied for two credit cards with chase and they have denied me. they wont give me a good reason why or attempt to resolve the matter. 

I feel i am getting discriminated either because i am old or XXXX. there is no good reason why they should deny me a credit card but they do it. i need some help here. 

thank you
Consumer complaint received 2023-03-05
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: I.C. System, Inc. (FL)

XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX I.C SYSTEMS INCXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (MO)

Wakefield & Associates are on my Credit Report as a collector for services provided by XXXX XXXX XXXX related to a hospital visit on XXXX/XXXX/21. The hospital reports a XXXX BALANCE on my account and does not recognize XXXX XXXXXXXX XXXX as a vendor. 
I requested an itemized bill from Wakefield & Associates.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Recovery Services, LLC (LA)

I have written several letters to this company in regard to a medical collection that was paid in full to the original creditor before it became a collection. I have not received anything back from the collection company. I have even asked if the collection company was legal to serve as a collection agency in my state. I have not received validation as of yet. I called and spoke to a agent at XXXX, asking how they were able to verify the debt with the collection agency and i was told that they do not require any WRITTEN verification from the collection agency, ONLY a response of Yes or NO. If the credit bureau is not practicing the laws then how are we as consumers supposed to get fair practices.
Consumer complaint received 2023-03-06
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: CORELOGIC INC (IL)

I have contacted this company for so many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts where are reporting incorrectly and no proof.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NJ)

Good afternoon! 
I tried reaching out to the Discover credit card company on XX/XX/XXXX regarding my late payment. I am having trouble financially. I was told by XXXX that there are XXXX programs that may be able to help me. I did not turn this offer down, I told her that I needed time to see which program I would most benefit from. Moving forward, I called back again on XX/XX/XXXX with the program I had decided on. This time I spoke with XXXX. He told me I had declined the programs and that there was nothing he could do. So, I called back and talked to XXXX, and she told me if can pay the minimum payment of {$170.00}, I would be able to choose a payment program. That being said, I did pay the {$170.00}, only to be told by ( I think her name was XXXX ) that there was no program available. I then asked to speak to a supervisor- ( I did not get his name ). He said that my account is still showing deliquent, and until I paid the remaining minimum balance of {$150.00}, there was nothing he could do. Also, he said for me to call back after making this payment, that there was a possibility that there may some type of program but that he couldn't promise anything. I repeatedly said that I didn't refuse the programs, I just needed to decide which one. They take that as a refuse, and then they refuse to help you. The XXXX programs I was originally presented with was a XXXX XXXX reduced rate at XXXX, and then a temporary hardship program for 6 months at which time I would pay {$75.00} monthly, and that I wouldn't be able to use my card in that XXXX month time period. I was given false information, and feel that I was tricked about them actually being able to help me.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Incorrect information was never updated on my Transunion credit report in direct violation of FCRA rules and my rights as a consumer. 

As of today Transunion keeps validating charge off as XXXX being paid monthly and this is incorrect. Several calls to request 1099c for the charged off amount have gone unanswered, on XX/XX/24 I called to request settle despite repeated violations to my fcra rights.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (KS)

Constant calls, usually 3 to 5 a day. Regularly violates the 7 in 7 rule. Called my coworkers phone asking for me. One employee I spoke to said like, I just dont understand why you cant pay right now after telling her my first child was just born.
Consumer complaint received 2023-01-20
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: CAINE & WEINER COMPANY, INC. (NC)

I am not liable for this debt with XXXX XXXX XXXX XXXX. I have ABSOLUTY NO contract with Cain and Weiner Company.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My student loans are with Mohela and I am enrolled in PSLF. I have been on an income-driven repayment plan since summer XXXX. 

Mohela is stating that I am required to recertify my income for my income-driven repayment plan before XX/XX/XXXX. Per the XXXX administration rules, no one should have to recertify before XX/XX/XXXX. 

Mohela has ignored multiple previous requests from me and they are currently " reviewing '' my income-driven repayment plan recertification date. I expect them to find that they have done nothing wrong and not push my date back by 1 year. This has happened to multiple others in the same situation, hence me reaching out to CFPB today. 

Per FSA/StudentAid, my IDR anniversary date is XX/XX/XXXX, so XXXX renewal would put me at XX/XX/XXXX, which is before XX/XX/XXXX. My date should be no sooner than XX/XX/XXXX and Mohela is not moving it. 

My date on Mohela for IDR renewal was initially listed as XX/XX/XXXX, then changed to XX/XX/XXXX. Mohela is not being transparent with borrowers when they change dates last minute without any notice, nor are they responding in a timely manner leaving borrowers wondering what next month 's payment will be.
Consumer complaint received 2023-10-27
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: SANTANDER HOLDINGS USA, INC. (GA)

these inquiries are unauthorized, and they are not related to any transaction made by me. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

After receiving an eligibility acceptance letter from the DOE, I stopped struggling to make the student loan payments I had been making throughout the pandemic. On XX/XX/2023, a male Navient representative called to discuss starting repayments. I stated that I was not required to restart payments until the Supreme Court made its final decision, or POTUS determined to abandon this initiative. After some debating about when I needed to restart payments, I told him to place my account on the " Do Not Call '' list and he hung up mid sentence. I immediately called back, spoke with a female representative, and asked to speak with a supervisor. My call still wasn't directed to a supervisor, even though I told her that I wanted all phone calls to cease and desist. I told her I only wanted to communicate with Navient via snail mail/hard copy print. That should have been the end of any verbal communication, but I currently have a call log from Navient 13x 's since the stated above date. This company has also logged as many as 11 calls in one week, most during my working hours. Then on XX/XX/2023 & XX/XX/2023, I accepted Navient 's calls to ONLY state my previous statement to place me on their Do NOT Call list and to cease and desist contacting me via phone calls. Since XX/XX/2023, I have received 9 more calls, and I'm now reaching out to this agency to find relief from these harassing calls that are unnecessary until POTUS or USSC determines repayments must legally restart.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: P&L Acquisitions LLC (TX)

This account is very old and past statue of limitations. It was opened in  XXXX / XXXX / XXXX  and closed in  XXXX / XXXX / XXXX . I am being harassed about this debt stating they are going to put a judgement on me and also wage garnishments.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WI)

I, XXXX XXXX HAVE BEEN FRAUDED SEVERAL TIMES FROM 2 COMPANIES. ON XX/XX/XXXX XXXX XXXX XXXX   TOOK {$2900.00} FROM MY MASTERCARD XXXX AND ON XXXX ANOTHER {$1900.00} FROM MY VISA CARD XXXX. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID ABSOLUTELY NOTHING AND REFUSED TO REFUND ME MY MONEY..A COMPANY CALLED XXXX  XXXX XXXX TO {$1400.00} ON XX/XX/XXXX FROM MY CHASE MASTERCARD XXXX THEY DID THE SAME THING.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back of XX/XX/XXXX  I applied for XXXX unemployment, I was told by the XXXX to keep certifying My benefits online, which I did as time went on I never received my Bank of America card. Its two years later I have not got anything, my card was used I made a police report and they still will not give me my funds.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX From NATIONAL CREDIT SYSTEMS, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

It has come to our attention that TOYOTA MOTOR CREDIT has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Consumer complaint received 2023-02-23
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.