davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was trying to replace a lost credit card through the mobile banking app. I was given a phone number to call which took me to an automated phone system. The system asked me to say my credit card number or enter it using the phone keypad. No matter what I did, the system would not recognize my inputs and eventually disconnected my call. I called this number repeatedly and the same thing happened. I also tried calling various other customer service numbers which took me to the same unresponsive system. At one point I was able to get onto a waiting list to speak to a human customer service representative, but after waiting for XXXX minutes my call was dropped. I was subsequently unable to get back onto the waiting list phone line. It is now impossible for me to replace my lost card.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc. (TX)

I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. 

I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! 

RS Clark & Associates, Inc. 
XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (UT)

CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. This one is like 7 years old! You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called Experian and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I was contacted by XXXX XXXX with a third party company called " XXXX XXXX XXXX ''. He stated that I owed a debt in the amount of {$710.00} ( original debt amount was {$500.00} ). This was a debt to the original creditor of " Bank of America '' from XXXX. This is the first time I have ever been contacted regarding this debt. They verified that they had my correct SSN, however this was never reported on my credit. I have updated my contact information with the credit bureau 's with every move. During this call they did not update any of my current information but stated that I either pay or face a civil court judgement due to refusal to comply. XXXX also stated that if I refused I would be ordered to pay three times the amount of the debt. They also contacted my family advising that legal papers were being filed against me tomorrow at my residence. I am concerned about the legal action and this reporting to my credit after 12 years. I am also uneasy that they are contacting my family and stating that there are legal proceedings against me. I have not acknowledged the debt, made any payment or arrangements and have not updated any of my personal information with this company. There are no previous judgements or collection efforts ever made to my knowledge and I think that this is unfair and very stressful. I believe that the statute of limitations on collection of any amount allegedly owed has expired and these efforts to obtain this debt are not appropriate. I asked XXXX to provide me with any type of documents to validate this debt and he stated that the only thing he had to validate the debt was my personal information and contact information from 12 years ago. Please help me resolve this issue to prevent negative impact on both my credit and personal life and finances.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (FL)

Hunter Warfield inc -tried to dispute inaccurate item XXXX XXXX XXXXXXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX XXXX XXXX-tried to dispute
Consumer complaint received 2023-07-17
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: AMERICAN EXPRESS COMPANY (VA)

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

America Express : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

Target out in XXXX XXXX someone charge my car out there charge {$1100.00} in my name Target trying to put the charge on me my information was hacked I am not paying for a XXXX. I'm going to fight this and make the world knows
Consumer complaint received 2019-06-17
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. (MO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.
Consumer complaint received 2019-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (WA)

M & T Bank is the servicer for a VA  Loan I have for a property located at XXXX XXXX XXXX ; XXXX XXXX, MN XXXX. They assumed this mortgage from XXXX XXXX and have been generally horrible, especially for escrow   related issues. They performed an escrow analysis shortly after assuming this mortgage upon my request, which found a deficit and they subsequently raised my minimum monthly payment, BUT they have refused all of my attempts to try to pay this deficit to try to reduce this payment amount again. I literally sent them {$300.00}, which essentially is the amount of the deficit to try to get them to reverse the payment increase and after being on a phone call today for over 2 hours, and it being escalated all the way from a general employee, to a supervisor, to a manager, I was told there was nothing they could to because their policy does not ever permit customers ( including VA Loan customers ) to pay the amount of a deficit. I am so angry about this policy because XXXX XXXX never did this. Also, M & T Bank actually told me on phone calls on XX/XX/XXXX and XX/XX/XXXX that they they would get it done. I was concerned that I had not received the new analysis and so I called again today and was told that there was nothing they could do. 

I separately contacted the SCRA division of M & T Bank to try to get their help and they refused to do anything. Please make them stop doing this practice. 

A secondary issue is also that they make it very difficult to set up automatic payments to have the mortgage pay early. This is a huge problem for veterans  and their dependents because they can be out of the country on XXXX and so they are taught that it is important to try to be early on your mortgage just to avoid any problems. I have tried so hard to do that with them, and I think it is now in the process of being resolved. First I was told that it was not possible, then I was sent a form to try to make it possible, then I was told that the form was actually the wrong form that I filled out and that a new form would be sent. All of this is extremely antiquated and unacceptable, because it should be something that can easily be done via the website or over the phone like XXXX XXXX would do. Honestly, I think M & T Bank 's ability to assume VA Loan 's should be blocked until they can show that they have the ability to treat veterans and their families properly like other banks already do.
Consumer complaint received 2018-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TN)

XX/XX/XXXX my bankruptcy was discharged after which Loan Depot quit sending me monthly statements even though I did not include my mortgage in the bankruptcy. 

XX/XX/XXXX, I emailed Loan Depot asking them why they quit sending me statements. No reply. 

XX/XX/XXXX wrote a letter after I talked to one of their agents who told me to email XXXX and include a copy of my Bankruptcy Discharge which I did. No reply. 

XX/XX/XXXX emailed XXXX with same question and no reply. 

XX/XX/XXXX called twice and the second time an agent told me to email again requesting that my statements be mailed. Of course no reply. 

I have been mailing my monthly statements even though no statement received to a special address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (MO)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent a cease and desist letter on or about XX/XX/2019 but have continued to receive calls on a weekly and sometimes daily basis. 
always with different telephone numbers sometimes local area code and other times with XXXX numbers or not local area codes. They never leave a message when I don't answer, so I call the numbers back to verify who is calling and sure enough, it is them
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This complaint including GM Card/Capital One credit Card companies, and XXXX XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, phone : XXXX 1. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. I am confused, stunned and surprised for {$5300.00} debt. I spent loads of time contacting GM Card, XXXX XXXX XXXX and XXXX XXXX, and Capital One to investigate the arrears of {$5300.00}. Because I did not use GM account since XXXX and I did not receive new GM card since XXXX. How could it be I use {$5300.00} from XXXX to XXXX. 

2. I found that Capital One sold GM account to XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXX XXXX after I spoke to Capital One customer service. 

3. According to my bank account statement, XXXX XXXX withdraws from my bank from XXXX to XXXX total amount is {$14000.00} + late fee of each withdraw {$2200.00} = {$16000.00} ( XXXX XXXX statement has 66 pages ) GM did not issue a new card to me, without my consent to take my money from my bank, and I also am unable to login online to check my account status because I don't have GM new card. 

4. On XX/XX/XXXX, I sent totally 91 pages statement to Capital One and XXXX XXXX XXXX XXXX XXXX via USPS certified mail with return receipts. But I did not receive any response from both sites. 
I reasonably believe that it is possible due to identity theft, or fault, or GM employee mistakes or any reason from XXXX to XXXX. But GM, Capital One, or XXXX XXXX   XXXX XXXX XXXX XXXX XXXX have liabilities to my loss. 

5. On XX/XX/XXXX, finally I received XXXX XXXX statement I can see GM took my money {$1800.00} and plus charged me let fee {$35.00} for each transaction. Totally {$2000.00}. 

6. I loss amount of money is {$18000.00}
Consumer complaint received 2018-09-27
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 have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus Trans Union, XXXX, and XXXX. Please see attached complaint.
Consumer complaint received 2023-03-31
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: Experian Information Solutions 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 2019-06-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Recovery Service Incorporated (FL)

some time on or about fob XXXX company by the name XXXX XXXX # account XXXX company gold card that Carrie a XXXX per year membership fee that was paid in XXXX on that statement for XXXX. the company have three account with XXXX XXXX never late or never missed payment. last year XXXX XXXX request a copy of the financial statement which they already request them back in XXXX. and the financial record was submit to XXXX XXXX. XXXX XXXX after review those financial XXXX XXXX re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for XXXX XXXX stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask XXXX XXXX why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of American recovery service inc , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work XXXX hour a week just pay my bill.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zions Debt Holdings (MD)

In accordance with the Fair Credit Reporting Act, [ ZIONS DEBT HOLDINGS LL ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between ZION HOLDINGS LLC and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU ZION DEBT HOLDINGS ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns