davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card 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: Atlantic Recovery Solutions LLC (PA)

They repeatedly call me and call my work. They have given my personal information to my boss and threatened to sue me and arrest me. I tried to set a payment up but they demanded my bank information and payment in full. I spoke with one woman named XXXX as well as my boss spoke to her. She called me a XXXX and hung up on me. I called back and spoke with another lady who after giving me a fake company name and wrong call back number also hung up on me. I spoke with a man who told me to work on my character and pay my bills. They call me everyday all day but refuse to actually set up payment unless I pay in full. They also have given me FOUR different bills due - the amount due changes with each call.
Consumer complaint received 2019-10-10
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

CFPB CASE NUMBER XXXX THE CREDITOR DID NOT RESPOND TO MY COMPLAINT WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Consumer complaint received 2019-10-10
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. (TX)

I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had a credit card with Capital One, and because I mistakenly forgot to pay a {$28.00} bill, I was assessed a {$36.00} late fee plus interest. When I asked if they could forgive this as I had never missed a payment, they refused, and furthermore, had frozen my XXXX  XXXX in accrued rewards, so that I couldn't even pay off the pittance of {$28.00} with my accumulated funds. Rather, they claimed that I had forfeited that money. I complained, wrote to their XXXX XXXX XXXXXXXX in a Certified Letter, and got no response, save a series of dunning collection letters, in which my debit was later sold to a third party collection agency that demanded full payment of now $ XXXX. Instead of capitulating, I shared with them my letters to Capital One, and also threatened them and their client with a wrongful lawsuit for defamation if they continued. They since ceased all actions, and wound up sending me a letter that they had reversed charges. 

In the meantime, I had opened another credit card with XXXX, and even explained to their customer service. the horrible experience I had had with Capital One, and was so glad I had switched to XXXX. Now, I hear that that disgusting, uncaring, consumer despising company Capital One is buying XXXX??? Please look into how Capital One operates, they are disgusting thieves and XXXX, and I told my customer rep at XXXX that once they are bought out, I am cashing out of my accumulated funds and closing my account. I have no intention of dealing with those nasty, uncaring XXXX  at Capital One. You can also tell whoever at Capital One reads my complaint, I have a very big file of their and their collection agency misdeads.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I purchased 2 money orders in XX/XX/XXXX. one of the amount {$450.00} and the other of {$1600.00} from XXXX cashier and placed them in a mail box. Both money orders was stolen and altered. I did everything in my end to receive my money back. I made a police report and did everything in my end with XXXX cashier to get refunded back. I received my money back for the amount {$450.00} a few weeks ago from XXXX Cashier. On XX/XX/XXXX I received a letter from XXXX  that was sent by XXXX XXXX from the XXXX XXXX XXXX XXXX that my claim was denied because they claim there was no proof of alteration. Since that day I have been reaching out to XXXX via email. I sent her an email to please consider reviewing my case again and sent her 11 attachments of my documents just in case there was something that wasn't sent by XXXX. I not yet to receive and response email back by XXXX in regards to this matter. I am going on a 1 year dealing with this situation. I work hard for my money and gave up {$1600.00} quickly to XXXX and to be refunded this money back has been XXXX and has caused myself and family a hardship and an enormous amount of stressed.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted my identity verification multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Benworth Capital Partners LLC (IL)

My name is XXXX XXXX, I am XXXX with XXXX XXXX XXXX, I applied and received funding from SBA/PPP Loan Advance, Benworth Capital Partners is the Lender. The funds were supposed to be deposited in the my checking accounted on XX/XX/2021. Ad of today Tuesday XX/XX/2021, funds have still not arrived. 

I scheduled and met with various Bank Associates of XXXX XXXX XXXX, they continue to tell me that the Lender did not release the funds. I applied to another lender for a small loan XXXX XXXX and the loan amount was deposited into my account in 2 days. I have not collateral other the my SBA Loan Number, and was given a small loan at a very high interest. 

I have been funded since XX/XX/2021 when I received my PN with a loan number. I even contact Ms. XXXX of the SBA and she advised me to open up a XXXX Bank Account ( although the lenders did not make this a requirement ) which I did. I am still having a problem with the funds being deposited. 

I am not getting a straight answer from anyone, XXXX XXXX XXXX, and Benworth Capital LLC. I am about to loose my banking privilege 's because money has not been deposited to cover over draft fees and has been in a negative for over 30 days, I was told by XXXX at XXXX personal checking the my account would be closed today if money was not deposited. I am flat broke, I have been awaiting a deposit since XX/XX/2021. I have all the documentation that is need verifying that the funds were transferred I have waited past the required time set by the lenders and the receiving bank. 

As of today Tuesday, XX/XX/2021, I am still waiting. Please help me resolve this is and prevent me from loosing my bank account and my business. 

Regards, XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I have been attempting to resolve an issue since XXXX with Lowes Credit Services managed by Syncrony Bank. Lowes Credit Services auto pay system erroneously double drafted my account on XXXX which prompted my bank to flag the payment and decline it. I submitted an inquiry to Lowes and made multiple phone calls immediately after receiving notification of the issue beginning on XXXX. I also, in good faith, submitted payment manually to Lowes while Lowes worked through the issue. I submitted a follow up response as my request to correct the issue was denied and my account was closed immediately without warning. After learning that Lowes closed my account and did not provide a plausible explanation, I submitted a follow up response on XXXX and provided multiple documents to provide evidence of my claim which included a letter from my banking institution. After supplying the evidence, On XXXX I received communication from Lowes that stated I would receive a response within 60 days. On XX/XX/19, I learned that my credit score dropped due to the negative reporting from Lowes. On XX/XX/19, I escalated the matter with Lowes and was advised by Lowes that I would receive a response within 7-14 days. To date, I have not received a response, my account remains closed and my credit report has not been corrected. I would employ the CFPB to investigate Lowes for unfair credit practices. Very much appreciate the assistance.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Collections Enterprise, Inc. (VA)

last calls were today, I received five calls. They are attempting to collect a debt my son owes. My son doesn't live here. He's XXXX and qualified and applied for the emergency room charges at the hospital and they approved him. For some reason this group refuses to STOP calling me. I could only select one option and that was repeated calls, but they call before XXXX and as late as XXXX. They have been calling for several months now. Prior to this I received collection letters and I had to repeatedly return them and clearly wrote NOT AT THIS ADDRESS to no avail. I tried call the number they call me on, it answers, tells you to wait, cycles back over and over and finally disconnects. There's no way for me to block them on my cell phone either. This never was my son 's phone number, it was an emergency contact ( mom ) number. Please make them pay a fine or something, they are really aggressive and crossing the line over and over. I am on the do not call registry too, however I know that may not involve this case.
Consumer complaint received 2019-07-10
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. (GA)

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

Further to complaint XXXX. I went to pay the one Chase card ( Chase Ink ) off in full today which Chase granted a few months ago only to find the account had been closed without my consent. I can see pervasive accounts like this online and suspect they consider me a high risk customer based on reports online. However, I have a 20 year history with the bank/credit cards and have been failed to pay off a card before the due date in the same month, had an overdraft or any negative interaction with the bank. I even tried when I got the card to set up a direct debit to pay the card off in full but was told this couldn't be done over the phone and instead could only be done via registering online via a separate system which I didn't want do. I paid the account off in full last month. 

I'm very upset by this but more so because I have a {$500.00} rewards on the card in addition to cash back of {$90.00} which I was told today that Chase wouldn't honour. I have also read reports of Chase closing bank accounts down alongside the credit cards which is very disturbing. 

Clearly there definition of an at risk customer is wrong as I couldn't be a more stable customer.
Consumer complaint received 2019-05-01
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. (FL)

Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( Equifax ) have provided me with NOTHING, the creditor has not responded to my concern. XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Account # XXXX AND Account # XXXX
Consumer complaint received 2019-07-10
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. (OH)

I disputed this account named XXXX XXXX XXXX  on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( XXXX, Transunion, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2019-10-10
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. (TX)

I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (ME)

I just checked my credit report, and Synchrony Bank took over my PayPal Credit account on XX/XX/2019. My first on time payment to them was for {$170.00}, made on XX/XX/2019, and came out of my bank account on XX/XX/XXXX. 

Prior to that, they WERE NOT the servicing company, and I did not have a relationship with Synchony Bank as part of PayPal Credit until XX/XX/2019. 

On my credit report, they are reporting data from both XXXX and XX/XX/2019, at which time, they did not service my account. In particular XX/XX/2019, shows I was 60 days late with them, which is false, as this was not their account at that time. 

I want the reporting to be corrected, showing that starting when they took over the account on XX/XX/2019, I have been current with them. The reporting from both XXXX and XX/XX/2019 is clearly false, and represents misinformation as the they were not the owners nor did they service said account. Reporting on prior information is clearly a violation.
Consumer complaint received 2022-12-15
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. (CT)

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. 

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 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 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.