davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (UT)

I have been repeatedly contacted and harassed and accused of owing money to XXXX XXXX for a membership I never signed up for nor do I know anything about. I have told this law firm ALDOUS & ASSOCIATES this multiple times. I also requested written as well as physical proof of when, where, a witness statement proving that I was ever in any XXXX XXXX location and any paperwork I would have had to have signed and shown my ID to someone so they could verify that it was in fact me who was signing up. They can not provide me with anything other than telling me I owe XXXX some X amount of money. They can't tell on what day this supposedly happened or where or what type of membership or who signed me up. All they gave me was my correct phone number an email address I don't hardly ever use and my address information. All of which is searchable via the internet. This has been happening for over a year now at random. They send me a notice and I respond the same way I call and ask for the information I listed above then they try to get me to verify my info and give them my social and I tell them no. I have never once received a document with a tear off that gives me an opportunity to dispute these claims and when I have asked for XXXX to be sent to me They send me the same payment letter with a tear off requesting my credit card info and offering me 50 % off my original debt amount owed. 
Now they are threatening that my credit report will be damaged until I give them money that I don't owe them or anyone else. I NEVER SIGNED UP FOR A XXXX GYM PASS AT XXXX. 
I made that mistake once with XXXX XXXX in the early XXXX 's and paid that debt off in full back in or around XXXX or XXXX give or take a year on either side that was XXXX years ago. 
I know how the gym membership debt works I have done this before and I paid what I signed up for then and it was never XXXX simple payment of X amount of dollars and at no time do they offer you XXXX XXXX  off your debt owed. 
I feel like this is either a scam or set up. I HAVE BEEN WORKING MY XXXX OFF WORKING ON MY CREDIT SCORE AND THEY BETTER NOT MESS WITH IT OVER SOMETHING I NEVER SIGNED UP FOR.
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (PA)

My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2022, I paid the ENTIRE balance due on my Capital One credit card of {$160.00}. After paying this, on XX/XX/2022, I was assessed ( unknowingly ) an interest charge of {$3.00}. On XX/XX/2022, I was assessed a past due fee on the " interest charge '' of {$3.00}. On XX/XX/2022, I was charged XXXX interest on the past due fee and the interest fees. On XX/XX/2022, I was charged another {$6.00} past due fee. And on XX/XX/2022, I was charged XXXX for interest AGAIN. 
THIS IS PREDATORY LENDING AT ITS FINEST. I PAID THE ACCOUNT IN FULL. MY BALANCE WAS XXXX. 

AND ON TOP OF ALL OF THAT, I NOW HAVE A LATE PAYMENT ON MY CREDIT REPORT FOR THE {$3.00} INTEREST CHARGE THAT WAS ASSESSED ON A XXXX BALANCE. 

I SPENT OVER AN HOUR ON THE PHONE WITH TWO DIFFERENT ASSOCIATES, THE LAST BEING XXXX, EMPLOYEE ID # XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I opened a corporate credit card in XXXX. I'm expecting multiple credits deposited to my personal credit cards because of Amex Corporate Advantage program ( https : //www.americanexpress.com/us/credit-cards/gcpadvantage/login/ ). It's been a while and I still didn't receive the credits.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (DE)

The company XXXX XXXX is collecting on behalf of XXXX 's, and has been calling my phone repeatedly back to back. On XX/XX/XXXXthe company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all
Consumer complaint received 2018-08-31
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. (MI)

I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

Failed to abide by credit card contract conditions Failed to reimburse {$50.00} for not following stipulation 2 of the contract agreement. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error : We can not try to collect the amount in question, or report you as delinquent on that amount. 


If we do not follow all of the rules above, you do not have to pay the first {$50.00} of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2021 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2019-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Debt Agency (AL)

On XX/XX/2019 I spoke with XXXX, returned a phone call that I received thinking it was from the fasfa department. The phone number associated with the call XXXX, the other number I called back that was left on my voicemail was ( XXXX ) XXXX. The associate told me that XXXX XXXX the original person that called me was on another line an he would assist me. Then he asked for my full social an I provided him with it .not thinking that it could be a scam he then asked for a debit card or banking information I hung up because it would be XXXX up front for 6 months then XXXX after that. Please help me!!
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc. (VA)

On XX/XX/18 I noticed a missed call from XXXX. I am seeking new employment so I returned the call. The call was answered by XXXX XXXX who said good afternoon ( it was XXXX XXXX ET ) who said he had an affadavit for XXXX XXXX ( my maiden name, hasnt been used in 20 years ). XXXX says he needs to refer me to XXXX XXXX because my case has " red '' all over it and another department handles this. He recited my current county and SSN which was alarming, he said the call was regarding a credit card account that was removed from my credit report because it is over 7 years old but to avoid a judgment for the {$3700.00} I could pay {$1500.00} today to avoid legal action. At this time another call is coming from an Ill number, I switch over to answer and its XXXX XXXX from ARA with the same request stating I am in breech of contract with an old XXXX XXXX account and to avoid legal action I need to pay. I informed him I would contact my attorney and need a number XXXX xt. XXXX. I asked them not to call anymore and send the request in writing.
Consumer complaint received 2018-08-31
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. (GA)

I tried contacting Transunion to clear up some things that's showing up on my credit file when applying for credit. Transunion is reporting I have 2 delinquent accounts and 1 derogatory account on credit file. I spoke with someone their and they were suppose to correct the issue and it has not been corrected. I do not have any delinquent accounts or derogatory accounts. Transunion needs to update my credit report immediately to reflect no delinquent accounts and not derogatory accounts.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Credit Services, LLC (NM)

XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Consumer complaint received 2018-08-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXX I sent a check for {$740.00} to XXXX XXXX in XXXX, Nebraska. The check was given to me for damage clean up of my bathroom and laundry room where a toilet had run over and the excrement had gone through the floor. All they had to do was endorse the check as required, and return it to me so that I could pay XXXX XXXX for the work they did. I called them on numerous occasions to ask where the check was, the last being today ( XX/XX/XXXX ). They told me each time that a review was being done and it would take 5 days and then 5 to 7 days en route for the check. On XX/XX/XXXX, as requested, I emailed them a copy of the estimate for repairing my bathroom which is {$8800.00} and has been approved by my insurance company. They told me that would take a review of 5 days as well and I should be getting the check back in about 10 business days. I have no idea what's happening with that. I'm worried now that XXXX XXXX is not going to want to fix my bathroom because they fear it will take months to get payment with XXXX XXXX having to endorse the checks. I understand that XXXX XXXX has an interest in the property and needs to know about things being done but this is ridiculous. I'm embarrassed to call XXXX XXXX and tell them XXXX is giving me the same old story again. XXXX  sent me a letter asking for my homeowner 's association information to which I replied that I don't have any homeowner 's association, I'm in a private neighborhood. I sent them a picture of my house so they could see that it's being cared for. I'm feeling like they don't trust me but for what reason I have no idea. I just want the check and I want it A.S.A.P. Anything you can do to help will be greatly appreciated.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One should consolidate all their pulls on my credit into 1 pull instead of pulling my credit so many times & damaging my credit score & denying me. & Capital One should approve my credit cards because I have good credit.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

My loan has meet all the requirements for deletion of PMI and Fay Services has give lie after lie for reasons on why they refuse to delete PMI. 

* I have no 30 day late payment in the last 12 months * I have no 60 day late payment in the last 24 months * My LTV is 67 % per letter that i recieved from both Fay servicing and previous servicer * Loan is in good standing * I have requested removal in writing several times ( last time XX/XX/XXXX ) * The home is in compliance with all requirements in the Homeowner Protection Act XX/XX/XXXX All the documents needed are in the file that both XXXX Homes and Fay Servicing have. 
Current outstanding loan balance is {$120000.00} and Tax appraisal is {$240000.00}. ( attached )
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX   report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others.
Consumer complaint received 2024-03-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

I have been in contact via phone call and asked them to stop calling me, my family, and my coworkers. Despite this, XXXX   XXXX keeps robo-calling as well as contacting me several times a day at inconvenient times and contacting friends, family, and loved ones. When contacting my work, me, or loved ones, they leave threatening messages discussing my debt and telling me to get a lawyer.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (VA)

A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.