davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Called XX/XX/XXXX ( XXXX XXXX XXXX ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided four names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with XXXX XXXX XXXX, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XX/XX/XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe XXXX XXXX XXXX to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My original loan was with XXXX XXXX.It was sold/transferred to NewRez and that is when the troubles and communication went way out in terms of communication.You call and every effort to talk to a human is a headache.I called today XX/XX/2020 XXXX PST. Finally got a female and asked for a Supervisor.Then she became hesitant. I told her that I was calling about my Escrow charges as the addition of XXXX had been added to my account.The note was going from XXXX to XXXX per month.I would have rather been given the option to pay the difference in a lump some.She then said that they don't take calls only e-mail.I asked for the PMI Department and the response was pretty much the same.My home has gone up in value so I had already written to NewRez c/o XXXX XXXX XXXX, SC XXXXRequesting the PMI to be taken off my loan.She never was able to reach a supervisor meaning that nothing was accomplished.She stated that I would get a call back that never happened,
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-08-05
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. (IL)

This Is A Fraudulent Account ... That Was Once Removed & Was Placed Back Onto My Credit Report For Some Reason ... if you check with the CRA 's It's Documented Me Calling In As I Realized It, Did The Freezing Of My Reports The Works ... 

Some Accounts was open in my name at another address on XX/XX/19 It went delinquent & was charged off for the amount of $ XXXX Tanking my Score During My First Home Buying Process XXXX XXXX XXXX Is The Data Furnisher Who Placed This Back On My Reports With The Help Of All 3 Credit Reporting Agencies
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (PA)

I have no knowledge of this account being open when I asked for proof of the day all they sent me it was the last statement they were only able to send me how the account was opened who open the account when the account was open where the account was opened there also and Incorrectly reporting to my credit report the date that they purchased the account. What I asked for proof all theyve sent me again is one statement that means absolutely nothing to me did not open this account Im asking for it to be removed from my credit The counters also several years old and being reported as a new account
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MA)

45 min on hold to get help with Barclays and hung up on multiple times, was just trying to set up XXXX XXXX. They do not have anywhere to send complaints too, no email or anything so Im going to send it through here. 
Date is XX/XX/2022 at XXXX currently. 
Company is JetBlue Plus card via Barclays.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (GA)

I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX of 2016. Upon receiving the car I continuously had mechanical problems. The car was continuously in the shop with the problem persisting. I missed time from work because I was unable to drive the car due to the mechanical issues. I then moved to Ga and continued to bring the car to the shop. I contacted VW customer relations and was working with a manager I told them constantly I no longer wanted the car because it was inconvenient for me I preferred another car or my funds back. I contacted a lemon law lawyer who begin working on my case. During the time he was working on my case I turned the car in not knowing that it would cause him to stop working on my case. The car was sold and I was never notified about the car being sold I dont know where or for how much. I would like this off my credit due to the fact that the car was in fact a lemon.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (MI)

They have violated the FDCPA. They did not provide adequate validation of this debt. 
I have all communications in writing and everything was sent certified mail. I tried to upload the documents but it would not allow me to do so.
Consumer complaint received 2020-02-17
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. (FL)

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX  XXXX {$32000.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX  XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?
Consumer complaint received 2019-08-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is  800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (CA)

The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The leftover fees for charges made after I left my apartment was paid in full. It was not suppose to be sent to the collection agency. I was told that it was their error and it would be deleted. 6 months later still no resolution.
Consumer complaint received 2022-10-12
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. (FL)

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 XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX 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 : It also states a consumer reporting agency can not furnish an 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 or 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 2021-11-17
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. (TX)

All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I began my mortgage application on XX/XX/22 and applied for a mortgage that I was told would qualify for 100 % financing no down payment required. I verified this information with my loan processor after my application was submitted. For 29 days of my closing process I was assured that I would not need to make a down payment. The day before closing I was told that Navy Federal had misread information and I would now need to make a 5 % down payment in order to close. I was unable to search for other mortgages that would better fit my needs because of this misrepresentation. By the time I was closing I had already ended my lease and needed a home to move into. I had no other option but to close in one dat
Consumer complaint received 2020-02-17
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. (FL)

My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

On XX/XX/2020 around XXXX XXXX., I was contacted by Midland Credit Management , Inc. , by its representative, XXXX XXXX regarding an alleged past due credit card bill. The collector started off by telling me that the company plans to bring this account into ligation. Which means is planning on suing me for a past due charged of debt that I am making attempts to resolve. I questioned him and ask why is this sounds like a threat. I felt uneasy, but continued the call. I remained respectful and explain why I fell behind on several credit obligations. 

Be advised that Midland Credit Management bought this debt from XXXX ( also known as a XXXX XXXX XXXX XXXX ). MCM by its representative is threatening to take legal actions and bring this matter into litigation. XXXX XXXX 's supervisor got on the phone to approved a potential payment plan and I mentioned that I was uncomfortable with giving out my banking info at this time that I'd need to think and review some things first. He became very disrespectful and very condescending. For someone who is trying to resolve such matter, I did not think this type of disrespect was called for. 
I request that Midland Credit Management would cease and desist immediately. 

Further, I pray that MCM learn how to speak to people who actually plans to pay their pass due bills, if indeed they do owe. 

Thank you, XXXX
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX a charge was made for XXXX online to a XXXX  company that I did NOT make. Immediately my phone notifies me of charges over XXXX and when I saw it, I called citi card asap meaning same day -he got me a new card that they should be aware of because someone used it for that and it was not me! They issued a security credit which they clearly didn't look into because they recharged me on XX/XX/XXXX! who got this XXXX? Not me? Not anyone I know. WHERE is their proof? Because it was NOT made by me. If they want an XXXX  in my XXXX to contact them on this, we can go that route too because I assure them they would be paying fees as this is not mine!!!
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a request for " Please provide proof that this account belongs to me to properly verify debt, a breakdown or itemization of charges does not prove that this is my debt. '' on XX/XX/2024. I have not received proof that this debt belongs to me I have disputed it via XXXX this date and have only received generic messages that the information is verified without the proof I requested. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C. (LA)

So this company has said that I owe the stat right now they're saying that I got this debt in XXXX, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.