davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (GA)

I have signed up with XXXX XXXX XXXX and financed using Healthcare Finance Direct. XXXX XXXX XXXX has since gone out of business and I am forced to pay my monthly payments to Healthcare Finance Direct although the services are not being rendered. I am without the new aligners promised to me by XXXX XXXX XXXX.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital One customer service on or about XX/XX/XXXX and made a request to change my payment due date from the XX/XX/XXXX of each month to the XX/XX/XXXX. The representative informed me that my request was approved and that it would take up to 1-2 billing cycles before the payment date would change. I was advised by the representative to continue to make payments on my current due date until I see the new due date reflected on my card statement. I made my next payment on XX/XX/XXXX as  instructed. Then on XX/XX/XXXX I received an email notification from Capital One that my statement was ready and was over the limit. I then received notification from XXXX XXXX that there was a substantial decrease in my credit scores. I never received any notification on my statement since making the initial request that the date had been changed as Capital One promised I would. I had charged the card up to the limit and had plans to make a substantial payment on XX/XX/XXXX that wouldve prevented any negative impact to my credit score. Capital One charged a late payment fee and my normal interest which took me over my limit. I was making plans to try to get a business loan and due to Capital Ones negligence I do not meet the minimum score requirement anymore! I am furious and when I contacted them to inform them of what had occurred I was accused by their customer service representative of being negligent for charging my card account too close to the limit! The nerve! I was granted that limit and can charge up to within XXXX XXXX of that limit as long as I do not breach it and make at least the minimum payment as instructed by the card company on my scheduled due date! This was insult to injury and inconsiderate to me as the customer who is expressing that damages where suffered due to the lack of notification provided by Capital One. To make matters worse my wife is an authorized user and her credit saw a substantial negative impact as well! I escalated the call and after an unfortunate amount of back and forth a supervisor removed the late payment fee but no other action was taken. I was advised that I could write a letter, not speak with someone but write a letter. Not email a department but WRITE A LETTER to dispute the issue! It would take 30+ days plus 7+ days mailing time to even receive a response!! So the burden is mine to prove the obvious?! On top of that I have to be subjected to their antiquated disputes process! It didnt take a written letter and more than a month for them to offer and extend me credit so now that theres an issue the process is slow and difficult in an effort to deter cardholders from moving forward. Im terribly disgusted with this company and their lack of regard for their clients.
Consumer complaint received 2019-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (DE)

Debetor 1 : XXXX XXXX Debetor 2 : XXXX XXXX Chapter XXXX Bankruptcy Petition Filed on XX/XX/XXXX Attorney Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DE XXXX Trustee Info XXXX XXXX XXXX XXXX , DE ( XXXX ) XXXX CLAIM DETAIL Claim Number XXXX Claim Description SECURED VEHICLE XXXX XXXX XXXX Account Number XXXX Claim Filed Date XX/XX/XXXX CREDITOR INFORMATION Creditor Name AMERICAN CREDIT ACCEPTANCE Mailing Address XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Payments have been made to creditor American Credit Acceptance, monthly as provided in account ledger under the repayment plan chapter XXXX. 

Most recent payment XX/XX/XXXX In XX/XX/XXXX or XX/XX/XXXX, creditor American Credit Acceptance repossessed vehicle and later released vehicle after phone call from customer. 

XX/XX/XXXX creditor American Credit Acceptance again repossessed vehicle. 

The repossession of the vehicle causes unnecessary infringement on customer, whom is under terms of contract and repayment plan with bankruptcy.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On Friday, XX/XX/XXXX I contacted TD bank ( XXXX ) at XXXX XXXX to report that my home had been burglarized and that among other items, my wallet was taken and that I needed to cancel both my debit and credit card. While on the phone with the customer service agent, I informed them that the ATM withdrawals that had occurred overnight were not authorized by me. I also asked the customer service agent for any and all information about where and when the transactions were made, as the police were currently processing my home as a crime scene and needed as much information as possible ( a vehicle was also stolen, so this was not simply a case of petty theft ). The agent provided as much information as possible and informed me that before I could file a fraud claim, I would have to allow the transactions to " post '' and then call back. In addition to my debit and credit cards with TD bank, my wallet contained personal information such as my SSN, birthdate, address, health insurance information, etc. I completed a victim disposition, and was given a police report to bring with me when I called TD bank for the fraud claim. On XX/XX/XXXX, I visited a TD bank in person and explained the entire situation in person to a customer service agent who was by then able to file a fraud claim. I provided the copy of the police report to prove its validity. TD sent me a letter on XX/XX/XXXX stating that because the fraudulent transactions were made using a PIN ( confidential information ) that my claim was denied. However, my PIN is a combination of my SSN/birth date and the fraudster was able to guess it since he had all of my personal information available to him. There is video surveillance of the fraudster attempting my pin multiple times at the original ATM terminal before getting it correct. This is not a case of irresponsibility OR guilt by the bank 's client ( myself ), who entrusted the bank to securely hold funds. This is a case of a criminal breaking into a locked home, ascending a flight of stairs, and burglarizing my home while I was asleep, unaware in another room. The bank is not upholding its simple duty to its customer, who is a local XXXX XXXX and can not afford to be denied access to {$1200.00}.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update sinceXX/XX/XXXX.
Consumer complaint received 2022-03-22
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Credit Corporation (TX)

Avant sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.
Consumer complaint received 2022-09-26
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I XXXX XXXX was told by Equifax that XXXX is reporting to them a Bankruptcy shown on my public file, well XXXX told me they show no bankruptcy on my file, well on XX/XX/22 Equifax claim to have contacted XXXX on or around XX/XX/22 and that XXXX verified to Equifax this bankruptcy on my file on or around XX/XX/22.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (ID)

I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing concerning my request that the fraudulent accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. They are violating Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to Transunion and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!
Consumer complaint received 2019-08-02
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: U.S. BANCORP (CA)

I did not receive the {$200.00} intro bonus after spending {$1000.00} in the first 90 days after receiving the credit card on XX/XX/19. My total charges were over {$1000.00} on XX/XX/19. US Bank says that the start date was XX/XX/19 but I did not receive the card until XX/XX/19. I could not make any charges until XX/XX/19. US Bank was deceptive with their bonus offer -- it was dishonest in stating that I had 90 days to spend {$1000.00}.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2019, Loan Care cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 
On XX/XX/2019, Loan cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 

Loan Care lied that they had not received any payments for 2 months so they charged me late fees and reported 2 months delinquency no payments to credit bureaus. 
On XX/XX/2019, I sent Loan Care a letter to let them know that 2 payment checks had been processed by Loan Care. Those 2 payments were still within the grace period ( which was between the XXXX to the XXXX of each month ). I requested that Loan Care credit all the late fees and correct the negative reports that they already reported to those two credit bureaus or else I would like to hear from loan care within 30 days before I file a compliant against Loan Care. However, I have not heard any responses from Loan Care. 

I truly need your help to investigate this matter because Loan care did not honor their 15 days grace period, lied, and charged late fees to borrower. As a result, this negatively impacted my credit score. Thank you in advance for your time  and attention.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I was not aware of a XXXX XXXX debt until i saw it on my credit, i tried calling to get a copy of an original application with my signature proving this was my bill.but i was told to call there 3rd party Jefferson Capital.i did not understand since its a XXXX  acct..i have never been able to get proof of this debt.
Consumer complaint received 2022-09-26
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. (GA)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to TransUnion credit bureau. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian has violated my 15 USC 1681 ( a ) ( 1 ) 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) - The right to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports for continuing to report information on my consumer report without verifying the accuracy and completeness of the information first.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) for not deleting the items in dispute in 30 days when Experian clearly can not verify any of the information, 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), for not notifying me of the result of the investigation, 15 U.S. Code 1681c2 for not deleting items resulted from identity theft in 4 days, I even sent an identity theft report for it
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (UT)

Convergent continually calls me about a XXXX debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.
Consumer complaint received 2024-04-04
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I had 4 fraud purchases on my XXXX Credit Card on XXXX from XXXX, totaling {$370.00}. XXXX said they would remove these charges from my account. I was notified on XXXX that XXXX would put them back on my credit card account and required videotape from XXXX of the purchase transaction. 

I filed a police report with the XXXXXXXX XXXX  XXXX on XXXX, Case No. XXXX handled by XXXX XXXX # XXXX. 

On XX/XX/24 I received communication from the XXXXXXXX XXXX XXXXXXXX by postcard saying " We have reviewed the information provided and determined further investigation is not likely to result in successful prosecution. Your case will remain on file, but the investigation is suspended. '' So I have no videotape of the fraudulent transaction to give my bank, and the police have done all they're going to do, and I'm still being charged for four fraudulent purchases.
Consumer complaint received 2019-11-03
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. (PA)

US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.
Consumer complaint received 2019-11-03
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. (PA)

XXXX XXXX continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.
Consumer complaint received 2019-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

Moneygram, again deactivate my account to denied me to pay my creditor I timely, matter I have contacted them about this on XX/XX/2018, at XXXX And they refuse to reactive my account. I was speaking to Foreign personnel about this and they claimed that they understand but yet their hands are tied in fact I know the last person I speke can reactive my account all he said was he just filling the intercompany complaint. that will be no go.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AR)

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to Equifax and try to dispute on XXXX. XXXX  said it was sent. Some how it's still showing on my report. How do I get this off?
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (GA)

Every time I attempt to get a job or credit, the following fraudulent addresses are appearing on my report and should be removed immediately : XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, NY XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, GA XXXX Date reported : XX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I use the website daily to ensure my transactions are accurate, every time I log in I am being asked to enroll in paperless billing, I do not want that and should not be intimated into it by harassing popups every time I log in.