davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.
Consumer complaint received 2020-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

National Credit System is reporting an account on my credit report for XXXX XXXX XXXX. I lived in this community over 7 years ago. When I moved out all my balances were paid in full. I have contacted National Credit System multiple times mail and by phone and have let to recieved a repond as to what this balance is for. This account is seriously hinding my credit report and I need this resolved as soon as possible.
Consumer complaint received 2020-02-10
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: Experian Information Solutions 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 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2018-02-25
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: Experian Information Solutions Inc. (TX)

Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OK)

I applied for XXXX degree and was excepted XX/XX/XXXX. I decided to get a loan to help support through my 2yrs of schooling with American Education Services. I graduated XX/XX/XXXX with my degree and starting working XX/XX/XXXX for a XXXX. I went to my bank and consolidated all of my debt XX/XX/XXXX. My loan officer wanted the payoff for all loans or credit cards before he would give me a check. I called AES for a payoff amount and then sent them a check for the pay off amount. XX/XX/XXXX AES sent a statement showing I still owed {$2500.00}, I called and asked why I paid you off 8 years ago. The representative said your account shows you called for a pay off but that was n't a pay off. I said I did n't understand why and after 8 years they are chasing me down for more money and that I would n't be in a big hurry to pay them anymore money. With it being 8 years later I do not have any documents other than a copy of the check I received from my bank for the consolidation. I have now been turned over to debt collections and my credit report is showing a ding. I did call AES for a master promissory letter but does n't show anything about owing more money. I do n't know where to go from here, I called for pay off XX/XX/XXXX and sent a check knowing that I paid them off. Please help me in my dilemma. Thank you
Consumer complaint received 2020-02-10
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. (IN)

I have contacted Transunion on several occasions in reagrds to the accounts listed below. The most recent dispute was dated on XX/XX/XXXX. I received a response in regards to the disputed items from Transunion on XX/XX/XXXX. 

XXXX 6 years of late payments are being reported, after account was closed. In addition, this is a closed/charged off account but shows a past due amount of {$7700.00}. This is a FCRA violation. The results from Transunion are " Disputed information updated and other information updated ... '' Again, how can a closed account that was charged off report a balance of {$7700.00} is it was closed and charged off? Also, how can a closed and charged off account keep negatively reporting late payments to my report if this creditor does not own this account anymore? The account was closed and charged off! Please stop updating inaccurate information from this account and delete this account entirely! I have also not received any documentation from the creditor or the credit bureau in regards to this dispute! 

XXXX XXXX XXXX Account is closed/charged off but shows a monthly payment of {$620.00}. The results from Transunion are " Disputed information updated '' Now it is showing a charge off balance of {$850.00}? This account was also never verified with the 30 days from the creditor or Transunion. How was this account 's information " verified '' against my dispute if neither the creditor or credit bureau has provided me with any documentation? This account is inaccurate and needs to be removed, not continuously updating different and inaccurate information on my credit report! 

XXXX XXXX XXXX - Past due and late payments reported on a collection? Delete immediately! This account has been previously disputed. Failure to notate that this account on my credit report is under dispute after a creditor or debt collector has reported the dispute. This is an additional violation! 
The results from Transunion are account verified as accurate? How!
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (OH)

My student loan is held by XXXX. I had issues creating a profile and logging into my online portal. I called the company and they said there were known issues with their mobile app and I should try to set up my account on a desktop computer, which I do not have access to. They did take my payment over the phone and it brought my account current. I found out after this that although they send me a bill for 1 student loan payment, they turned in 5 separate delinquencies to the credit reporting agency. This had a detrimental effect on my credit score. 1 reported delinquency for the student loan payment I owed would have been correct. Instead, they reported each semester of school as a separate late payment. This doesn't seem like fair credit reporting practice to me. I called and they said, it's their policy to report that way.
Consumer complaint received 2020-02-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (VA)

XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at  XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (MN)

Discover I have filed Multiple disputes with the credit bureaus as well as the CFPB on your company and you still havent deleted the item that I am disputing its the Discover account XXXX I explained to you that the transferring of this debt was missing in which you have yet to fixed I will need for you to delete this account from all credit reporting agencies 2nd violation you are not noting the required noticed of dispute with out this information the account must be remove immediately this is a federal law that you must delete this account for failure to do your job Fcra 611 and They are debt practice and act 806b
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have paid off my credit card in the full amount of {$9000.00} on XX/XX/2020. Due to the larger amount of money making it through the ACH system the full amount was delayed and did not make it on XX/XX/XXXX, even though originally when I started the deposits the money was expected to make it to the US Bank account by XX/XX/XXXX.

US Bank has charged me {$39.00} fee, plus {$2.00} minimum interest, even though I paid off the card in full.

These are exhorbitant fees representing infinite interest rate for an account whose balance is {$0.00}
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day OVER 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

I made a few Payments of above my minimum of {$500.00} payments of {$650.00}, {$900.00}, and {$600.00}. They keep insisting they do not want to settle for a lower payment I have made a 4 of the 11 payments and I can not afford to make anymore payment of {$500.00}. XXXX is forcing me to pay back {$5500.00}. The loan was {$2200.00} they told me while I was in the early few months and they insisted that I would not need to pay back the full amount. Im trying to close it but they want a total of the full amount they want me to pay. This is cruel and not fair. Before I even accepted the terms I spoke with multiple representatives and they to said I would not need to pay the full amount.
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (FL)

I have never had a XXXX test in this hospital, for months I have tried to communicate with the hospital and the creditor of this debt and I do not receive answers, just as I never received a document or information about this account Creditor Information opened XXXX XXXX {$240.00} Original creditor : XXXX XXXX XXXX as Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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. (IN)

To Whom It May Concern : I am completely distraught after I tried for the third time with Transunion to remove a Chapter XXXX  bankruptcy that was fraudulently filed in my name. Docket XXXX Date showing filed XX/XX/XXXX and paid XX/XX/XXXX from US Bankruptcy Court Attorney XXXX  XXXX XXXX. I did not file this bankruptcy and I have been sending them documents since XX/XX/XXXX. I've even hired a reputable credit repair business to assist me and Transunion is refusing to remove it. As you can see this is of a serious matter and affects everything from credit card to loan applications. A Transunion agent was yelling at me on the phone today screaming in my ear that they did not receive my documents which is a blatant lie. I decided to turn to file this complaint as no other option.
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.
Consumer complaint received 2020-02-10
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. (AR)

I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.
Consumer complaint received 2019-05-02
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (TX)

this is a follow up of my original complaint If i understand the SECONDARY l complaint has been or is gon na be removed from my credit involving XXXX  The ORIGINALl complaint involves XXXX XXXX  and LENDING CLUB I have no idea how this loan was structured the information that has been previously provided pertain to the original lenders and i suppose was sold to XXXX  for {$1000.00} please look over the original info to help clear Not sure if these numbers are important or not or which ones necessary here they are XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I checked the balance of my credit card through wellsfargo.com on XX/XX/XXXX I thought I had a balance of credit available for {$1500.00} .... instead I find the balance on this account for available credit is just {$140.00}... 
I called wells fargo credit card department on XX/XX/XXXX and XX/XX/XXXX both customer service siad and verified that changes to my wells fargo credit card were made on XX/XX/XXXX ... .. both customer representatives said they had no other information on my account but the explanation on why changes information were going to be mailed to me in the mail ..... 

I can't believe that after paying this credit card for many years ; that all I have for credit is {$140.00}? 

please help, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates , LLC has violated my rights and continuely try to collect debt that I don't owe.

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (TX)

This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. 

The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with XXXX.