davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called to the Capital One costumer service more than 4 times for my XXXX Credit Card, the third time on XX/XX/2019, which took more that 3 hours explaining the issue, finally got disconnected when I was on hold for more than 1 hour by the Costumer service Supervisor who wanted to confirm the issue with another departments. 
Once I didn't called back again I called back on XX/XX/2019 and just informed that they put a note on my account that " everything is correct. '' The issue is very simple, I explained in detail more than 10 times but it looks like there is not an intention to pay attention to my issue : Let assume today is XX/XX/2019 : I simply downloaded all of my transactions form Capital one website : 1- I summed Total ( Year to date ) posted Expenses 2- I summed Total ( Year to date ) posted Payments ( including Reward Redemption ) 3- I calculated Total ( Year to date ) Remaining Balance by extracting item 2 from Item 1.

The result it is showing a negative number which means I paid beyond the debts but surprisingly my available credit limit is still under the credit limit. 
I am attaching here an transactions Excel spreadsheet which is clarifying my claim.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Please review and investigate following errors, inconsistencies and inaccuracies and omissions I was able to find on my reports. 
According to the FCRA you must maximum possible accuracy when reporting and sharing my credit history.As shown below it is clear and apparent that this doesnt meet the standards required by the FCRA not your own industries writing and accepting standards.I feel and accurate report is very important as I have heard that people have be denied life changing loans because their credit score was just one point away from qualification The payment history information needs to be investigated and either completely fixed or this account should be removed in its entirety.I feel that in order to maintain the federally required maximum possible accuracy on my reports in the FCRA the entire payment history on the account must the showing the and accurate Experian I notice after you start reporting on this account that there was missing data is a violation as the information missing could affect my score and turn my ability to obtain a loan.Please investigate the data for the following months that are missing payment information XX/XX/2018 XXXX XXXX
Consumer complaint received 2019-08-26
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: JPMORGAN CHASE & CO. (CA)

In XXXX of 2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now disabled and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. XXXX XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This issue is with Capital One Spark Business card. 

Statement for period ending XX/XX/2019 showed balance of {$9400.00}. Payment of {$6000.00} posted on XX/XX/XXXX ( due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 showed balance of {$11000.00} which was paid in full on XX/XX/XXXX (  due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 shows balance of {$2100.00} including interest charge of {$140.00}. 

Agreement clearly states that if balance is paid in full by due date, no interest is charged. 
I called on XXXX and spoke to representative who said it's because the balance at XX/XX/XXXX was not paid in full.That doesn't make any sense, any interest charges for that period would have been charged on the XX/XX/XXXX statement and already paid in full.
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: North American Asset Services, LLC (UT)

I purchased XXXX XXXX dirt bikes using the XXXX credit card a line of credit provided by XXXX. I got behind on payments and XXXX sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX stating she was with North American Asset Services and was collecting on the XXXX debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as XXXX ( found out later ). I then realized that not only was the debt not settled but American Asset Services sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by XXXX who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. XXXX has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

When shopping for a car you have XXXX and only get hit with one hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just one hard inquiry. i got hit twice in XXXX XXXX  XX/XX/XXXX and XXXX XXXX thats XXXX days apart that should not have hit me with hard inquiries multiple times. the companies are 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
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter disputing 2 accounts as erroneous on XXXX and mailed them certified, return receipt requested. I received notice the dispute letter was received on XXXX. It is now XXXX and I have not received a response from Equifax or receive anything that I requested to verify these accounts. If they can not verify the information within the 30 day time period they must block and remove the items in dispute.
Consumer complaint received 2018-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Investors Servicing Corporation, Atlanta, GA Branch (WV)

In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.
Consumer complaint received 2023-04-07
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. (PA)

Fruadlent accounts appearing on credit reports. 

1. XXXX {$2200.00} 2. XXXX XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2019-08-26
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)

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : 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 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
Consumer complaint received 2023-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 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
Consumer complaint received 2022-06-11
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. (PA)

In accordance with the fair credit reporting act convergent account : XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Consumer complaint received 2019-08-26
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. (TX)

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : 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 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
Consumer complaint received 2022-06-11
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. (PA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Management Recovery Corp. (NMRC) (CA)

I have been attempting to resolve the situation listed below since XX/XX/2019. I have worked with legal representation for National Management Recovery Corporation ( NMRC ) through a company  called XXXX XXXX and was promised resolution but the issue is still open. 

History and details of issue : On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX, California Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court filing paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, and denied they committed fraud by impersonating a police officer and an attorney. All the while I told them I was trying to determine the legal nature of their collection practices. 

I have been since contacted by an XXXX XXXX, legal counsel that represents XXXX XXXX which represents NMRC. Mr. XXXX informed me that NMRC was utilizing illegal debt collection practices and that my account should not have been in a status to be collected. Mr. XXXX and I agreed I would dispute the fraudulently collected charge of {$5700.00} to ensure the charge was removed from my credit card. However, I have now been unable to contact representation at XXXX XXXX to successfully resolve the issue.

This situation is nearly three months old and I will continue to escalate to all available agencies to put a stop to the illegal collection practices.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX FOR XXXX XXXX Date Updated : XX/XX/XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX AV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-03-10
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. (FL)

I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!
Consumer complaint received 2021-04-05
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: GOLDMAN SACHS BANK USA (NY)

I bought airline ticket with my Apple Credit Card and due to covid-19 the airlines did not travel in my requested dates. The airline ( XXXX XXXX ) didn't process a refund nor answer my phone calls, same with the website I bought the ( XXXX  ) I submitted a claim with Apple customer service and they said that the charge was not fraud. I explained it was not fraud and resubmitted the claim twice. XXXX agreed to give me the money back and never did. Now I go to XXXX website and they said they can't process the refund due to the credit card dispute. Apple is telling me that they can't refund the money because I agreed to the XXXX terms and conditions and they won't give my money back
Consumer complaint received 2021-12-06
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (CA)

I am writing because as a client of XXXX XXXX XXXX, XXXX. and Quality Loan Service Corporation they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 XXXX b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to XXXX  XXXX XXXX, XXXX, and Quality Loan Service Corporation in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.