davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

My XXXX car payment is due on XX/XX/XXXX. I went into a local bank branch on XX/XX/XXXX and made a payment of XXXX which was specified by the teller for my XXXX car payment. I asked the teller if this was the total amount due she double checked, and stated yes. I gave her the payment and left the branch. I later noticed that on my credit report I have a 30 day late payment reporting for my car payment for the month of XXXX which is incorrect because the payment was not 30 days late. I went to the branch and they stated that the teller applied the XXXX payment incorrectly on the date that I made it at the branch and that this was a bank error. They stated that they would enter a request to have my credit file updated, but for some reason it keeps getting denied because they do not have proof of this Bank error. It is noted that when I went into the branch to make the payment that I specified that I only wanted to make my monthly payment for the month of XXXX, how the teller applied the payment was not what I requested. Truist finally tells me that it will be updated but did not tell me when. I feel since Ive had to wait for 5 months to update a error the bank made that this shouldve been corrected immediately. I should not have to wait XXXX days.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

XXXX XXXX sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, XXXX XXXX XXXX. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (PA)

My account was closed and have to call to make payments. I called but they had a different card that was not aware was affiliated. This is no longer a revolving account and owed only {$120.00}. This has harmed my credit significantly and when I call I get treated like a non human being. Big banks have no issue charging late fees and reporting negative information to credit reporting without compassion or space to error. It is immoral and have get away with it.
Consumer complaint received 2020-11-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$19000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

A XXXX account is listed in my XXXX credit report, and is with a collection agency, Jefferson Capital  XXXX XXXX file number XXXX. 

I've disputed and XXXX kept the information on my report. 

The dates of the XXXX phone service show as opened in XX/XX/XXXX. I have had mobile phone service with XXXX XXXX since XX/XX/XXXX, this is my customer number XXXX. 

I've asked both XXXX and Jefferson Capital to share specific information about the account including open and close date and specific records and billing so I could have specifics to dispute and I've never been given the details of the account to detail the {$1700.00} they claim I owe. 

If you can help me get the account details I can have specifics to dispute the claim. Thank you in advance for your help and consideration. Best, XXXX
Consumer complaint received 2020-02-09
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. (NC)

I HAVE MOVED FROM XXXX  XXXX XXXX TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
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. (NY)

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 : Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX  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 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Herbert P. Sears Co., Inc. (CA)

Please I need you to look into the debts that is on my name that I have no idea that they exist to begin with. 
Starts from the phone numbers that used to be used by my ex-wife and ex father in-law that I never possessed before. 
Credit cards and loans
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. 

I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SC)

Applied for a business credit card through JPMorgan Chase Bank. I was informed it would not affect mt personal XXXX XXXX. Received a letter stating I got declined due to my XXXX XXXX. Chase Bank pulled a hard inquiry on my personal credit report affecting my score. Letter states my XXXX XXXX from XXXX is a XXXX. I immediately went on XXXX and noticed my score was in fact a XXXX. I also noted the same inquiry was pulled on XXXX. I was informed before the process that my personal credit report would not be affect because it's for my business. Misleading information from Chase. I contacted Chase and they informed me that they could not explain how they obtained a score of XXXX.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

In XXXX of XXXX I had my debit card stolen when I contacted chase they kept my account overdrawn from the left then resent me a new debit card with the same number on it. I could not use the card. I then talked to someone about canceling my account. I was told I would then be receiving a paper check in the mail. Had to verify my address and everything. It is now XXXX of XXXX. Every month I have received emails that the balance was going down. Every month I called and would have to verify my address all over again. I have now received an email that I have XXXX $ ( was XXXX $ ) in the account that I had closed back in XXXX of XXXX. Today I was told they closed my debit card not my bank account and have been charging me monthly fees to keep it open. I have verified this account was closed every month. They have stolen almost XXXX $ from me and still have not closed the account. I do not live near a chase bank so I am unable to go down to the branch myself. Today I was told they would investigate but it could take a few more weeks. Of which I will be charged AGAIN the monthly fee on my account I closed in XXXX of XXXX. Why close my debit card not my account. They are stealing from me and blamed me for their mistake while refusing to fix it.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2015-04-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.
Consumer complaint received 2019-06-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXX has finally acknowledged my property tax exemption however they are now holding onto my excess escrow which was supposed to pay the mortgage. I have over XXXX dollars in escrow and they have my mortgage in default status and will not use this excess money to pay my mortgage for XXXX. I have sent XXXX in which should cover XXXX and XXXX but the excess money in my escrow account will more than cover XXXX.
Consumer complaint received 2019-06-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I have been working to resolve this repayment plan and options only to reduce my current monthly payments from {$260.00} to {$57.00} which I was informed that I was approved for the {$57.00} repayment plan. I submitted the requested documents via of electronic submission and downloading and attaching the proof of income of which my income has decreased. I continue to receive calls from Navient day and night beginning at XXXX until XXXX. These calls are all throughout the day and evening. It is very disappointing that when you speak with a representative to resolve the matter, and you are told we are here to assist and how can you get the best repayment plan, you are only offered false hope and additional fees. I will seek additional information on how to join the class action lawsuit against Navient, I have not even graduated and they continue to threatening me, I am beginning to believe that Navient is a fraud due to their ill-intent actions in claiming that I was approved for a repayment plan of {$57.00} and losing my income. Please help resolve this issue and provide assistance in getting this debt discharged. Thank you. XXXX