davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (GA)

A notice was placed on my consumer report that I owe Professional Collections Services {$3500.00}. I have never done business with this company before and I never authorized nor consent for anything to be furnished on my consumer report. 

From the research that I have done, Professional Collection Services is a third-party Collection Agency.

According to 15 U.S.C 1692 FDCPA, Noone is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy.

Nothing should be on the consumer report that will ruin my reputation, deny me credit, or a way of living.

According to 15 U.S. C 1681a ( d ) Consumer Report.

( 1 ) In General- The term " consumer report '' means any written, oral, or other communication of any information by a consumer 's creditworthiness, credit standing, credit capacity, general reputation, personal characteristics, or mode of living is used or expected to be used in whole or in part for purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) Exclusions. -- the term " consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

This collection, Professional Collections Services placed on my consumer report is a violation and is an exclusion that does not belong on my consumer report.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The incident first accord XX/XX/2018 the. On XX/XX/XXXX my account was closed for the second time for the same reason which was no reason at all, and both times my credit score went down 60 points making me unable to get a house or apartment. This is taking a toll on my life and this can not keep happening Ive made all my payments on time kept my credit in good standing.
Consumer complaint received 2022-07-25
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. (AZ)

The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Conville & Blitt LLC (TX)

I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, Couch, Conville & Blitt, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of XXXX XXXX XXXX - XXXX. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for XXXX. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

My name is XXXX XXXX and the last four of the account number is XXXX with a balance at the time of sale of {$600.00}. 
I was first informed of the PayPal Synchrony called that was opened in my name in XXXX of 2020. I called Synchrony in XXXX of 2020 and informed them that this account was opened without my permission and was the result of ID theft. The rep confirmed that all the information in the system did not match me, including my name. The name on the account is XXXX XXXX XXXX. I do not have a middle name and I can provide a copy of my birth certificate if necessary. The rep told me that she marked the account as fraud and attempted to contact me to the fraud dept but could not. She asked me to call the fraud dept in the future. I tried on more than one occasion but the hold time was too long for me to wait. At the time I was an attorney for a debt buyer/debt collector and did not have time to wait. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Synchrony then sold the account to XXXX ( XXXX XXXX XXXX ) that has not filed suit against in XXXX XXXX SC. I am in contact with XXXX and XXXX and they are working with me to resolve this fraudulent account. 
In the meantime, I have been turned down for a XXXX  credit card because of this fraudulent account. The reason I was declined is because of a past delinquent credit card with Synchrony. I had to have my XXXX XXXX XXXX XXXX open the store card. This is ridiculous. I have filed a fraud affidavit with the FTC and filed an FTC complaint.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (IN)

Kimbell, Tirey, & St. John LLP sent me a notification of the debt I owed after sending a proof of debt letter. I then set up a payment plan because of the large amount of money that is being asked of me. I am a XXXX XXXX  and can not financially make large sum of payments. After my first payment last month, I noticed extra fees being added to the amount that I owed to the original creditors. I really only owe {$6000.00} and I have recently made two payments on that with the little money I do have. They have added over {$500.00} in fees to the large sum of money I am already paying on. They are making it so I will be paying on this bill for years. I am to pay only the money that I owe to the original creditor, so these extra fees need to be eliminated from my bill. They started adding these fees while I was in the process of validating this debt and they also had incorrect information with the first letters they sent me. They threatened to put a mark on my young credit report and did not send a letter to the other person who this debt was mainly under. What they are doing is unethical and they have been since the beginning of my interaction with them.
Consumer complaint received 2020-08-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-08-13
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: EQUIFAX, INC. (ND)

XXXX has been very irritating to work with. I spoke with XXXX XXXX  back in XXXX to remove a negative account. They charged it off back in 2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with Equifax and XXXX after to let them know. I sent the letter from XXXX XXXX  over to them both and neither have updated it. Equifax at least agreed to remove it where XXXX  just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX   XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've  been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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.

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 2020-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

I do not owe PROFESSIONAL DEBT MEDIATION this debt of {$2800.00}. Even the documents I received AFTER the debt was placed on my credit report show that I do not owe this debt. I can not even imagine how they arrived at that figure. I have requested that they remove it from my credit because I do not owe it and because they posted it to my credit before first contacting me. However they changed the amount owing instead of removing it.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground
Consumer complaint received 2018-08-13
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: CITIBANK, N.A. (MA)

On XX/XX/XXXX, There were a series of fraud transactions online on XXXX using my XXXX XXXX credit card. I got email 's confirming all these transactions ( 6 orders ). Immediately I called up XXXX  and reported all the transactions. They told me they will take care of all the transactions and cancelled few of those transactions except two of them. 

I have repeatedly called XXXX XXXX and each time they refer me to the fraud department which is closed most of the time I called and once when I got fraud department the have referred me back to a different number. 

I am tired of complaining with XXXX XXXX and meanwhile I am getting late fee and interest charges on these fraud transactions. 

Fraud orders on XXXX ( most of them are reversed out after my initial complaint. 
Order # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/28, my XXXX XXXX credit card ending with XXXX shows the two below transactions REFERENCE NUMBER - XXXX Amount - XXXX Reference NUmber - XXXX Amount - XXXX
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I am writing to lodge a complaint against my financial institution, Chase Bank. 
On XX/XX/2022 I received a phone call from XXXX XXXX with the Chase Fraud Department. Out of caution and for verification purposes I did a reverse phone number search while speaking with her on the phone. She called from XXXX. She inquired as to if I had made a purchase at XXXX XXXX in XXXX, Arizona. I informed her that I did not make the purchase in question. She stated that she would cancel the debit card attached to my account and would send a new one and provided a reference number for our conversation and transaction - XXXX. Upon verifying my address, I was told I would receive the card the next day ( XX/XX/2022 ). That card was NEVER received. 
On XX/XX/2022, I accessed my account to pay some bills and saw my account balance was XXXX! Obviously, something was not right as I had just deposited both a paycheck and income tax return. I went to a Chase branch and was told to call XXXX to make a claim regarding the unauthorized ATM Withdrawals. I told the man I spoke with at customer service about the phone call of XX/XX/XXXX with XXXX XXXX. He said nothing about seeing someone calling me or any action taken regarding the phone call of XX/XX/XXXX. He issued another debit card and filed the claim. 
On XX/XX/2022, I went to the branch I use ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) and spoke with a manager named XXXX XXXX. She spoke to the fraud department regarding the status of my claim and was told it was denied because it said ATM Withdrawal. She asked for the claim to be re-opened and further investigated, i.e. security cameras, etc. The manager asked me to return in a weeks time for an update to the status on the claim. 
On XX/XX/2022 I filed a police report regarding the stolen money with XXXX Police Dept. The report number is XXXX. 
On XX/XX/2022 I returned to the branch office and spoke with XXXX XXXX again. She called to check the status and was told it was NOW denied because a virtual wallet was used at an ATM at Chase Bank located at XXXX XXXX XXXX, XXXX, Texas, XXXX. This is a different reason for denial than previously provided. They have stated that they are not refunding my stolen money. 
I am at a loss. I have banked with them for 20 years and do not give out my PIN or debit card! 
I am providing the police report along with the ATM withdrawals in the total amount of {$2100.00}. 
If theres anything that can be done, your help would be greatly appreciated. 
Thank you.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.
Consumer complaint received 2018-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

Background : I have been making ontime payments every month since XXXX to my student loan lender Sallie Mae, When they sold my loans to Navient I have made payments every month on time since. I make over XXXX $ payments every month! ( I also have XXXX kids, a mortgage, and 2 car payments ) I first went to school in XXXX, I left in XXXX. I went back to school in XXXX and graduated in XXXX. 

I called Navient shortly after I graduated to set up payment options. They would not let me put my loans in forbearance. They would not let me consolidate them or try to get a fixed interest rate. The most they would let me do is set up a payment schedule, so I set up a 10 year repayment plan. 

I have been following up every other month or so to make sure my loans are still on track. I checked yesterday and it appears that my two biggest loans in the amount of ... 

{$20000.00} had an increased interest rate, it used to be under 10 % now it is 10.375 % also, my loan of, {$17000.00} had an increased interest rate, it used to be under 10 % now it is 11.25 %!! 
( my total loans are over XXXX $ federal and private ) I called Navient today to figure out why, and also how they expect me to pay these off if they keep raising my interest rate but the office is 'temporarily closed '. 

I logged on to XXXX to see if anyone else had this issue and I found out the CFPB has filed a lawsuit with Navient and I didn't know. I live in Washington ( XXXX ), and have for 20+ years. This is one of the states that have filed the lawsuit and I would like to get more information please. I do feel that I have been wronged and have made every effort to make payments to get out from under this burden.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.