davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I received a text from ( XXXX ) XXXX stating : " We have been trying to contact XXXX XXXX regarding outstanding ACCT # XXXX.Please Contact XXXX at your earliest convenience. '' -- On XX/XX/XXXX, I hit the phone number ( which was a live link to dialing ) that appeared in the text message, and an aggressive XXXX American man answered saying he was from a company called " XXXX '' and he claimed they were a " mediation firm ''. He tried to bully me into giving out my personal information. I wouldn't confirm my name or phone number ( worried it was a phishing scam ), but he said he could look me up by my phone number and asked " is this XXXX XXXX? '' I asked him what this was about ( not confirming my identity ) and he wouldn't give me a " debt '' amount for the supposed delinquent debt, or a company name for the supposed " debt ''. However, he threatened litigation and when I wouldn't give out my personal information, he told me that my " debt '' was going to be sent to court and I'd have to get my lawyer to deal with it and he hung up. 

-- On XX/XX/XXXX, I called the XXXX again from a landline and got an aggressive woman who said she was with " XXXX '' also and she sounded like she was in a boiler room/call center. She demanded the last four numbers of my social security number. I did not give that to her so she hung up on me. 

-- I called a third time on XX/XX/XXXX and spoke to a woman who said she was in XXXX, Florida who said she was from " XXXX '' and that they were a " mediation firm ''. She said the last two times I called the XXXX number it did not go to XXXX because she would've had record of it on the system. ( Even though I used the link in the text that was sent me, she claims the other two prior calls I made did NOT supposedly go to XXXX XXXX She also would not give me any information on the supposed " debt '', other than the first two calls supposedly didn't go to XXXX. 

-- FYI : I have no outstanding debts. This seemed like a bullying phishing scam. My credit score is XXXX and I meticulously track all my monthly payments on a chart. 
-- FYI, they knew my legal name just from my phone number and were able to quote the last 4 digits of my social security number as well. 
-- PLEASE, go after JP Morgan again as I understand they did this sketchy " collection '' stuff in XXXX and your agency won a class-action suit against them, and it appears they are doing it again!! I have no such debt. Thank you.
Consumer complaint received 2019-07-24
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. (CO)

XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-07-24
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. (NY)

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I received a two letters from ARS that was date stamped as of XX/XX/2019 with a date of service on XX/XX/19 from XXXX XXXX of XXXX, one has a balance of {$1000.00} and the other has a balance of {$1100.00} that states they verified the information and confirmed the balances are correct. 

I responded on XX/XX/2019 with a certified investigation letter asking for more information on these debt. ARS sent the exact two same letters out again with a date stamp of XX/XX/2019 with no valid proof this debt belongs to me. 

As I stated in the original investigation letter my rights per the Fair Credit Reporting Act, is to challenge anything I am not sure is accurate and request for valid proof. Also according to 15 U.S.C. Sec 1681i, if they aren't able to provide proof of these account they aren't able to collect or report them to credit reporting bureau. Which all of this is to be completed per the Fair Credit Reporting Act within 30 days of the date they receive my letter.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.
Consumer complaint received 2018-05-21
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)

This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with Experian and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (KY)

I co-signed for my daughter an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY and that lease was finished out. My daughter later on signed a lease with the same Apartment Management company @ XXXX XXXX XXXX # XXXX XXXX, KY. She had an unpaid balance from that unit. This company has reported me to the collection agency/credit bureau as my debt. I showed documentation that I am not on this lease at all. They said that because I co-signed on a previous lease it is their policy that I can be held liable for another lease?. This is fraud and illegal. I demand they be held responsible for this fraud as this has dropped my credit score 40 points while I was in the process of purchasing a home. 

I filed a dispute against Rent Recovery the first part of XX/XX/2019 and they said it was accurate, the place was reporting it accurate. 
I called XXXX XXXX XXXX today and they said they could consider me a co-signer on another lease that I did not agree to.
Consumer complaint received 2018-05-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DC)

Hi, Navient formerly known as Sallie Mae calls me day and night nonstop. Last year I paid off {$2000.00} plus on the interest and have been making payments towards the principle loan in small amounts. I have had numerous conversations with representatives from Navient requesting a lower monthly payment that aligns with my current financial state. I have offered them a number I am willing to pay, however, Navient wants me to pay the amount they determine though it is an outlier to my expenses. I am making payments to decrease the total amount on the current balance. I have reached my max with the harassing, annoyance, sharp tones, and demanding when I am trying my hardest to be diligent in repaying the student loan I withdrew for school. Navient is calling my place of employment which is unacceptable and leaving harsh messages such as " if you do not call us back we will be forced to ... '', 'I will be calling ... ''. I would really like for Navient to be more customer and user friendly. I know they would like money now and as fast as possible, however, they have no system in place to assist with repayment. 

Thank you
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF. 

RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.
Consumer complaint received 2019-07-24
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)

I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Paypal Holdings, Inc (NY)

I open an Paypal account and my account closed without any reason. When I call to inquiry why my account was permanently closed, every representative failed to advised me. I have an available balance on my account that I want to retrieve but cant due to this closure unexpectedly.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2019 I disputed the Diversified Consultants account # XXXX with all 3 bureaus. Diversified Consultants verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to Diversified Consultants via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to Diversified Consultants. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
Consumer complaint received 2023-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : Capital One XXXX Capital One XXXX XXXX XXXX  CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), Capital One is aware during the 2019 data breach ( announced July 29TH, 2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, and Capital One to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One and Capital One to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX of Capital One, and Capital One shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of Capital One and Capital One shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief XXXX XXXX is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my XXXX Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney GeneralXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
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 (TX)

On XX/XX/XXXX my credit card was handed to the cashier at the XXXX XXXX  XXXX   XXXX restaurant drive in. The card was used without my permission for two additional transactions to XXXX*XXXX XXXX XXXX XXXX XXXX. The valid transaction was for {$9.00}. The charge for {$400.00} to XXXX XXXX XXXX XXXX XXXX was not authorized. The charge for {$390.00} to XXXX XXXX XXXX  XXXX XXXX was not authorized. 
I received a text on my phone from Capital One asking me if the two large transactions were valid. I told them NO, that I did not authorize the transaction for {$400.00} or the one for {$390.00}. Capital One credited my card for both transactions on XX/XX/XXXX. Then on XX/XX/XXXX, Capital One rebilled my account for these amounts. They said because the chip was read, the charge was valid. The 'fraud investigator ' said there is nothing they can do, I should go to the police.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The Menard 's XXXX Card has a 2 % quarterly rebate associated with it. It is not issued as a statement credit. After calling Capital One three times I believe they send a paper rebate. I was lead to believe on a prior call that my rebate for XXXX XXXX would have been sent on/around XX/XX/XXXX. It hasn't come. The last time I called they said the rebate might have been sent but they weren't sure and that I should call back in a week. Today is XX/XX/XXXX and I have been on the phone with Capital One for 18 minutes with no clear resolution. 

The Capital One staff supporting Menard 's XXXX Card seems woefully under-trained and unprepared to assist with even the most basic of questions relating to this credit product. No one seems to know what's going on and it is ridiculous. After spending 28 minutes on the phone with most of that time being on call center rep induced mute and hold I had to hang up to go to a meeting. 

My questions remain unanswered : Where is my XXXX rebate? What is an appropriate timeline for expecting rebates to be sent?
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (CA)

I have recently moved out of my home, lead to not receiving the debt letters on time. As of XX/XX/2021 I owe {$380.00} to Synchrony Bank XXXX XXXX. Due to COVID-19 and my recent move, I can not pay in full the debt that is owed.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IA)

On my birthday XX/XX/XXXX I received the first phone call from IQ Data International located in XXXX, XXXX where I had lived until XX/XX/XXXX. I was informed they were collecting a debt for about {$190.00} for XXXX XXXX XXXX where I had lived until last XXXX. They told me this company had sent me a letter advising me of the charges around XX/XX/XXXX but I never received any such letter at the forwarding address I had given with my notice to vacate. Plus, I dispute the charges. The charges are for {$88.00} in back rent and {$100.00} for cleaning. I was given what I owed when I gave my 30-day notice to vacate and that is what I paid and I moved out on time and returned all keys. I cleaned my apartment and the manager refused to do a walk through inspection even though I made myself available on two days. This collection agency states it said in my lease I would still be charged for cleaning which the complex does before reletting the apartment. I told them my lease only stated cleaning charges would be charged only if I had not cleaned my apartment. Any professional cleaning they decide to do later is on them. In addition, IQ Data International never sent me any written notification of this debt. They kept calling and threatened to ruin my credit. I asked for written notification of this debt over ten days ago and still have not received it. When I requested written notice of this debt they had to update my address in their system as provided to them from XXXX XXXX. XXXX had given their mailing address as my address to IQ Data! So, in essence they never sent me any writing about those charges. I contacted the property management XXXX XXXX in XXXX, XXXX and spoke with a XXXX about 3 times. The first two times she said she would provide my dispute to the regional manager there in her office and I would be called back. I never got a call. On my third call to XXXX she told me the regional manager had not provided a response and the charges still showed on my account. This all happened over a week 's time. I sent an email to the manager, a XXXX XXXX, at XXXX that showed I had filed a complaint with the Oklahoma Attorney General. She gave the usual excuse for not doing anything and that is that management there has changed since I vacated my apartment and that I could easily dispute the charges with the debt collector. Well, no. One can not easily dispute charges with IQ Data International. I did send a copy of my notice to vacate to the email address IQ Data gave me to dispute the charges. That was on XX/XX/XXXX. I have not received any reply on that either.
Consumer complaint received 2023-04-03
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. (VA)

I am writing to request that you remove the following inquiries from my credit report : 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 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 I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX