davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

Hello. I received an invitation from Chase Bank with what appears to be a pre-approval invitation to the bank. Once I applied, it said denied. The invitation clearly makes the consumer believe that he or she will be approved for the card. After speaking with the supervisor, he apologized for the marketing error but would not remove the inquiry from my reports. I would like them to be removed.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Discover Credit Card A new card was opened {$4500.00} XXXX I contacted to provide legal and personal information to open said card. The card was opened however I was no longer going to activate it once received. 
I had to unfreeze my credit report to open this card - I keep my account locked to prevent fraud. 

I subsequently requested a replacement card for the current card I already had - {$15000.00} limit. 

I received a notification on XX/XX/XXXX stating the newest account was closed. I understood and took no further action. 

I activated my replacement card the same day as my newest account was closed. 

No other communication was received from XX/XX/XXXX to XXXX in relation to my already open account of 3 years. 
on XXXX I received a notification that I needed to activate an 5 % cashback offer on my account. 
Hours later on the same day I received notification that my account had been closed. 
When I contacted the company they said they had no notes other than a business decision. 
I advised them of the XXXX credit card act that requires 45 day notice of major account changes such as closure - not including inactivity. 
Policy is 1 year of inactivity places your account as subject to being closed - my account was less than 30 days active with the replacement card. 
This has negatively impacted my credit score as that was a XXXX credit line decrease and it lowered my open credit history by removing a XXXX XXXX XXXX account. 

The company stated they called me once- in XXXX- I do not have a record of the voicemail they stated they left. I did not receive any letters or emails related to the card already in existence.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (CA)

I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to Equifax via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from Equifax  on XX/XX/2023, stating they will not change the balance. Equifax won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over XXXX  years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted Equifax by phone, I spoke with a supervisor named XXXX who outright called me a XXXX  XXXX, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX , and this is caused me that is being affected by this false information by Equifax. Additionally, I have submitted this information online and via-certified mail to XXXX. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX  has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to Speedy Cash-loan company. The agent stated that they bought my information from Speedy Cash. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the Speedy cash that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the XXXX site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.
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 — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (MT)

My father purchased a car for me back in XX/XX/XXXX/XX/XX/XXXX. We opened a car loan with Santander Consumer USA. My father died in XX/XX/XXXXXX/XX/XXXX and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through XXXX. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling Santander and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
F.P
Consumer complaint received 2023-02-10
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. (CA)

I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to XXXX via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from XXXX on XX/XX/2023, stating they will not change the balance. XXXX won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over nineteen years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted XXXX by phone, I spoke with a supervisor named XXXX who outright called me a dishonest liar, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX XXXX and this is caused me that is being affected by this false information by XXXX. Additionally, I have submitted this information online and via-certified mail to Transunion. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

Filed bankruptcy, did 5 year payment plan, completed the 5 year payment plan. The case was dismissed for some year that we did not send an income tax return. Bankruptcy was filed XX/XX/XXXX - XX/XX/XXXX. After two years the case was dismissed XX/XX/XXXX received a letter from Persolve , LLC. a letter XXXX XXXX XXXX XXXX XXXX Courthouse , there is no date or whatsoever for me to verify or dispute, or court date. Persolve claiming more than what they claimed during the bankruptcy period.Persolve send a claim to the trustee for the amount of {$2200.00}, they got paid for what the plan scheduled for the amount of {$830.00}. I send Persolve a certified letter asking for the original creditor, original date of the collection and amount owed. They did not respond to my request, next thing they did they put a levy on my bank account thru XXXX County Sheriff 's Department. The amount taken from my account {$4600.00}. Try to call them ( XXXX ) XXXX, never return my call.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the XXXX XXXX XXXX in and for XXXX County , FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX XXXX and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from XXXX XXXX XXXXXXXX at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.
Consumer complaint received 2022-12-15
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 (GA)

Capital One closed my account # XXXX after about XXXX week of opening the account but is reporting it as 30 days late. 
- The account was never 30 days late and in fact the account was not open for 60 days, so it is virtually impossible for the account to get to 30 day late payment status. 
- Capital One also has not allowed me to know what the closing balance is and since my Capital One online account is closed they need to supply me with a method of payment to pay whatever balance was on the card at the time it was closed. 
- It is improper for Capital One to report delinquent payment history on an account if they have not given me a way to pay the balance.
Consumer complaint received 2021-07-21
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. (FL)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.
Consumer complaint received 2019-09-25
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: Santander Consumer USA Holdings Inc. (CT)

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX   {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX  {$240.00} DATE OPENED ON XX/XX/XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$220.00} to settle the account with Capital One Auto Finance. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Auto Finance received the check on XX/XX/2020 at XXXX XXXX  and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Auto Finance is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Consumer complaint received 2015-11-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (OH)

Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I called my student loan servicer Mohela on XXXX the XXXX to request a refund of some of the payments I had made during the pandemic. It took me over 2 hours to be connected to an agent, but I was told that I would be refunded in 30 days. I was told there was no receipt or confirmation email they could send me to confirm this request. I was one of the student loan recipients whose loans were transferred from XXXX XXXX to Mohela over one year ago, for context. On XXXX the XXXX, I called for an update to the situation as I had received no word or refund. I was connected to an agent after another 2 hours on the line and they stated that the loan would be reimbursed in 90 to 120 days from that call and that they were unable to help in any way with confirmation of this as my loans were not visible to them because I transferred from XXXX XXXX. The agent stated that they didn't have my records from the company after my account was supposed to be transferred over a year ago. I contacted XXXX XXXX on XXXX the XXXX and they stated that they no longer had my loans in their jurisdiction either. I am trying to get student loan forgiveness on what I paid and am being told that there is nothing either company can do to help me.
Consumer complaint received 2023-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}
Consumer complaint received 2023-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (FL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMER FST FIN Account Number : XXXX
Consumer complaint received 2019-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

Respected Senators C.F.P.B IT IS SORRY TO COMMENT. SINCE XX/XX/2016 COME PLAYING WITH MY BANK ACCOUNTS BY PUTTING MY LOGIN. TD BANK HAS A COMPLOT AGAINST XXXX XXXX XXXX AND THE EXPERT CIBER PIRATES OF XXXX BULLYING WITH MY CHECKING ACCOUNTS ... EVERY DAY THAT I TRY TO CHECK MY ACCOUNT. I PUT TDBANK AND IT PAGE WAS CHANGED BY XXXX  XXXX ... XXXX XXXX. ( BULLYING TRAS BULLYING PLEASE NOTIFY TO THE BOTHS CEO OF TDBANK AND EMPLOYEE EXPERT IN XXXX XXXX XXXX. CEO MR. XXXX XXXX. 

BULLYING SINCE XX/XX/2016 TO PRESENT.XX/XX/XXXX NEW ADDRESS OF MR. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FLORIDA I HAVE THE NECESSITY TO LOGING TDBANK TO CHANGE MY ADDRESS BUT WAS DIFFICULT WITH IT'S FUNNY EMPLOYEE.
Consumer complaint received 2019-09-25
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: EQUIFAX, INC. (GA)

Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}