davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

I have contacted the collectors several times in regards of a medical debt I have reporting on my credit. They are in violation of HIPPA which protects my information and details. They have sent me a breakdown of fees and patient report history which is a violation of HIPPA I did consent for a third party to have access to my medical records and personal health information they are in violation and need to remove this debt from all credit reporting agencies with a letter of deletion. Wakefield and associates ( XXXX   XXXX  XXXX for both accounts in XX/XX/2015 for XXXX and XX/XX/2015 for XXXX )
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

I was purchasing impact windows from XXXX and was going to put the balance on my Visa but the salesperson told me I could get a XXXX credit card which would be better. I applied for the card and was told I could have the payment taken out auto withdrawal. I thought this was better because I would never be late with a payment. A few times I even made an additional payment to try and pay off the balance sooner. I was not told that I had to pay this in a certain amount of time. I thought I was paying my bill monthly and on time. I noticed that the payment increased and just thought that after a certain time frame the payment increased but still continued. I did not question it because I thought it was like my other credit cards and just continued the auto withdrawal. I work nights and go to school so I didn't think to investigate the increase. Tonight I looked at the statement and wondered why the total was so high. After looking at the previous statements I noticed in XX/XX/XXXX they charged me over {$5000.00}. I called the customer care who said it was too late. I explained the situation to the manager " XXXX '' who said they couldn't do anything. I'm still dealing with my damaged windows ( not one complaint ), and they want to rob me of an additional {$5000.00}? I'm absolutely horrified! I will never be able to pay this off. It's ridiculous. I should owe around {$7000.00}. I'm upset and afraid this will lower my credit rating. I thought I was paying my bill like I should. I wish I never listened to the salesperson who said this was a better deal. The credit card is from Synchrony Bank. Now after investigating, I see that this is what they do. They are loan sharks. XXXX was scripted and incapable of any emotion or compassion.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (NM)

I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.
Consumer complaint received 2022-06-18
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. (FL)

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are XXXX others accounts. XXXX was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (IL)

I have have a Home Equity line of credit for about XXXX years. with PNC bank. 

This past XX/XX/XXXX, I do not receive my monthly statement. I went into the bank and they said because everyone was assigned a new account number, a lot of statements did not go out. 

The next month - still no statement. 
Next month - same thing. 
Finally the main office at PNC XXXX / XXXX said anyone who had a past bankruptcy on their record, was not getting statements at this time - the problem would be fixed soon, they said. 

9 months later - still no statements! I have no idea how my payments are being applied, what my balance is - nothing! A recent call, they told me their legal team has been working on special wording, that needs to go on the statement, of anyone with a previous bankruptcy - and they still have not figured out that wording! 

Can they withhold statements on my loan??? 

My loan is variable interest. and recently the interested almost doubled and I had no idea until I went to pay my loan. No one notified me! 

I am contacting a lawyer to see if we can have a class action lawsuit as well.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (CA)

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are Experian, XXXX, and XXXX. 

EXPERIAN has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX 


However, the XXXX XXXX manager by the name of XXXX, has verbally told me he could not understand why Experian, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and Experian has my score at XXXX through the MY XXXX app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in 1995, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to dea with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2018-11-13
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2022-07-12
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. (CA)

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are XXXX, XXXX, and Transunion. 

XXXX has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX. 


However, the credit XXXX XXXXXXXX by the name of XXXX, has verbally told me he could not understand why XXXX, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and XXXX has my score at XXXX through the MY FICO app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in XXXX, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to XXXX with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I HAVE HAD A COMPANY CALLING ME, PORTFOLIO RECOVERY ASSOCIATES, TRYING TO COLLECT A DEBT THAT I DONT BELIEVE IS MINE. I HAVE ASKED NUMEROUS TIMES THAT THEY STOP CALLING ME AND PROVIDE A VERIFICATION OF THE DEBT, YET THEY STILL CALL NUMEROUSE TIMES A DAY. THEY HAVE REPORTED THIS TO MY CREDIT REPORT AND I DO NOT BELIEVE IT IS MINE OR IT IS OWED. THE OPEN DATE SHOWING ON MY REPORT IS XX/XX/2012 AND THE AMOUNT OWED IS XXXX FROM A CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX '. I HAVE DISPUTED THIS DEBT AND ASKED FOR VERIFICATION ON THE MATTER.
Consumer complaint received 2018-11-13
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)

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an attorney and a partner in my law firm. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are XXXX others accounts. XXXX was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (NJ)

On XX/XX/XXXX, I received a letter from a collection agency from XXXX XXXX about collecting a debt from XXXX XXXX. The company wants to collect XXXX dollars from my ex-husband who died in XX/XX/2018. My daughter previously contacted XXXX XXXX and told them that my ex-wife husband is deceased. He did not leave a will not anyone is responsible for his estate. He did not have a power of attorney.
Consumer complaint received 2018-11-13
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: PNC Bank N.A. (VA)

Just check XXXX XXXX and notice there is a breach on my Credit report concerning XXXX XXXX! I don't have an account with PNB bank in XXXX! This is a fraud account and there was Identity theft in XXXX due to my social security number being compromised for many years! I have fraud alerts on my accounts but somehow this error slipped thru the cracks! I want all the credit companies to be aware which they should have been and remove any negative activity because this is affecting my score! Sincerely, XXXX XXXX XXXX! ****Please remove this name called XXXX XXXX XXXX XXXX my files, this name is being used for Identity theft purposes and is fraudulent. Keep the credit companies and consumer reports aware as well! Thank you!
Consumer complaint received 2022-06-18
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 (GA)

My SSN last 4 digits XXXX My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be. 

XXXX XX/XX/XXXX bankXX/XX/XXXX Acct # XXXX Amount XXXX Date opened XX/XX/XXXXXX/XX/XXXX ( collection XXXX XXXX XXXX ) XXXX XX/XX/XXXXw XXXX Amount XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Co XXXX Amount XXXX XX/XX/XXXX XXXX XXXX Bank XXXX Date Opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MO)

Ive had a fraudulent account opened with Chase bank without my acknowledgment on XXXX. An account opened with XXXX XXXX on XXXX. Both companies submitted an Identity Theft claim and both were found that I did not open nor had any knowledge of them being opened. I have since filed police reports & had to contact the DMV, & social security office. The most recent was someone attempted to file an IRS tax refund with my social security number & was recognized by the IRS as fraud on or about XX/XX/2022.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.