davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: IQOR US INC (MT)

Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service (LA)

I was contacted by XXXX XXXX XXXX stating I owe a debt for a military star card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that AAFES sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$1700.00}.
Consumer complaint received 2019-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

I have been getting multiple calls daily on 1 missed payment on my care credit from synchony bank. I understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds. I normally won't complain but at this point they are calling my cell phone during work hours and later in the evening. I tend to work a really early shift and go to bed early and this is starting to affect my work schedule. It is unacceptable for the daily calls. On top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

I purchased a XXXX XXXX XXXX wiith financing through Ally. My monthly payments were XXXX ( est ). i began paying XXXX since XX/XX/XXXX and haven't been late since XX/XX/XXXX and have gotten to where I have XXXX due for months but continued XXXX make payments. Then when I chose to not make a payment. They send a bill for a regular payment. I was curious as to why my XX/XX/XXXX statement had the same remaining balance as my XXXX XXXX had a statement/letter sent back in XX/XX/XXXX and have not received a response yet. I have however continued to make my monthly payments but I haven't received any invoices with as I was before. Nor have I heard anything from Ally in regards to this matter
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A private audit of the Capital One transaction history and ledger reveals new discrepancies. 

To Capital One Ethics Committee and Review Board : On XX/XX/XXXX I received a disturbing response from Capital One regarding account # XXXX FACTS : - XX/XX/XXXX I contacted Capital One for an extension due to temporary financial hardship and new employment. 
-In XX/XX/XXXX I was only behind one payment of {$380.00} -I asked to extend one months payment of {$400.00} -Instead of an extension Capital One added the delinquent amount to the extension request amount and demanded I pay {$790.00} to get the extension granted. 
-The {$380.00} would have brought the account current nullifying the need for an extension. The extra {$400.00} would have paid the XX/XX/XXXX bill a month a head of time. 
-Capital One arbitrarily required me to pay 2 payments, when I was only behind one payment, in order to get an extension. 
-If my extension was granted in the month requested I would not have been 30 days late and my account would be current. 
-The accounting ledger of Capital One supports my dispute. 

Capital Ones failure to make the correction based on the accounting ledger and transaction history has caused years of undue damage to my credit report. 

I ask that Capital One explain why I was required to bring the account current and pay the XX/XX/XXXX bill in advance in order to get an extension on XX/XX/XXXX. 

I ask that the names and titles of all persons involved in the investigation of this matter be provided.
Consumer complaint received 2022-06-12
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights. 

15 U.S.C 1681 section 601 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.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights.

15 U.S.C 1681 section 601 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.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, Experian, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar Debt Recovery, Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2018 my checking account at Chase Bank was affected by fraudulent activity. I had filed a claim with the bank and received a temporary credit of {$3500.00}. I was told that the claim was denied, however the investigation was reopened and the claim was approved and the transactions were fraudulent. Chase then mistakenly issued me a second check for {$3500.00} for the fraudulent activity. I effortlessly tried to get the second check back to them with no success and ultimately told them to cancel the check to avoid any accounts going into colllections. I received a call today stating that my account was in collections for {$3500.00}. Spent hours on the phone and in the bank trying to resolve the issue. Each person has something different to say. When I spoke to claims she agreed with my situation, collections then told me their claims department was wrong. I attempted to cash the check to pay of the balance of {$3500.00} to rid myself of the problems and the check is cancelled so I cant settle the debt. This debt is a mistake from chase for paying me out twice and the cancelled check should have ensured that the account should not have gone negative, having chase only paid me once. Now chase is seeking {$3500.00} and cancelled the check for {$3500.00}. They made the mistake of paying me twice, I tried to resolve and now Im in collections. Theres a previous cfpb complaint proving the above statement.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (VA)

Today is XX/XX/2019 ..I been fight with this company call Nicholas financial about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them XXXX it's says charge off XXXX  it says repo XXXX  it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (GA)

XXXX XXXX XXXX is attempting to collect an erroneous debt on behalf of Galaxy International Purchasing , LLC with The XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that Galaxy International Purchasing , LLC was not my creditor and that no debt was owed to Galaxy International Purchasing , LLC. Additionally, Galaxy International Purchasing , LLC was removed from my credit reports. XXXX XXXX XXXX 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with The XXXX XXXX XXXXi and the balance amount owed of {$1600.00}. Wherefore, Galaxy International Purchasing , LLC  is not my creditor and no debt is owed to Galaxy International Purchasing , LLC. I had no prior lender relationship for the account ending in XXXX with The XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (VA)

I received an email XX/XX/20 XXXX from American Express `` We reduced the credit limit on your account to {$4500.00}. The new cash advance limit is {$200.00}. '' This is an attempt to make me go over my limit after I just paid my account in full over {$1400.00}
Consumer complaint received 2022-05-03
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (CA)

I applied for a reverse mortgage refinance with Finance of America Reverse, aka FAR, on XXXX with XXXX Mortgage. The intention was to obtain lower interest and receive money from refinancing. Important to note that I went with FAR because they already had my original 2017 reverse mortgage, which was taken over from XXXX, and I was assured by their in-house agent ( FAR ) that refinancing would take from 30 to 65 days. I was vigilant regarding the amount of time it would take to fund the refinance because I was almost completely out of personal funds due to COVID-19 and being evacuated from my home in XXXX XXXX XXXX XXXX CA due to the XXXX fire XXXX Throughout those, unfortunate situations, I provided support for my grandson who had been living with me for over 5 years. I have a timeline of every document I was asked to be provided. Received my XXXX counseling on XXXX FAR requested 2 appraisals ; the first was provided on XXXX with all necessary elements of the appraisal provided, the second appraisal was not requested until XXXX, in the middle of winter, and a great snowpack which prevented the second appraiser from taking a picture under the house. Which extended the time, I have pictures of snow and ice on XXXX which I provided to FAR and my grandson took pictures of the crawl space on XXXX when we finally got it accessible and I still had not received a call from the 2nd appraiser to come back out and in which far insisted we needed to compensate her even though it was her choice to come back. FAR challenged anything and everything they possibly could to put off funding this refinance, weeks would go by and then another request would be made, often for documentation they had already been provided with. FAR would not cooperate with my loan representatives on anything requested of them. This refinance was completed by me and my representatives in a timely and professional manner and in good faith. FAR, representation has been less than professional and should be held accountable for their lack of action and professionalism with regard to my refinance.
Consumer complaint received 2022-05-03
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: CLGF Holdco 1, LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, the following business has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose. 
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Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (AR)

I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX-XX/XX/XXXX of this year I had a trip planned through XXXX .It was paid in full prior to traveling. While I was on this trip I had a dispute with the above mentioned company. It was settled and I was credited in the amount of {$1000.00} to my Saks World Elite Master Card, which is issued by Capital One. Since this was a credit on my account I called to get a check issued back to me. I have been waiting patiently and have been given the run around since the end of XX/XX/XXXX. Saks blames Capital One and vice versa. They both claim internal issues. As of this morning I have spoken to a supervisor by the name of XXXX, who rudely told me Capital One did not issue a check despite being told that numerous times that it was mailed and I should have received it.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I checked my credit and I find out Sequium asset solutions has created a debt collection claim. I look online and there are plenty of people calling this company a scam. This is the first time I hear of this so I naturally dispute the claim because it must have been a mistake. I need to solve this issue because it is not fair that these people can scam so many people out of their hard earned money.
Consumer complaint received 2018-04-16
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: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.
Consumer complaint received 2019-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge Pite, LLP (TN)

Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. 
I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (SC)

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 DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX XXXX XXXX acctXXXX, XXXX XXXX acct: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 : also states a consumer reporting agency can not furnish a account without my written instructions.