davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

The collection from Iq data international was placed in collection on XX/XX/2019. According to Florida statute of limitations law, the statute of limitations for this type of debt is 5 years. I have not made any payments towards this debt nor acknowledged its validity in writing within the statute of limitations period. 

Therefore, I request that you cease all collection attempts related to this debt and confirm in writing that you will no longer pursue collection. Any further attempts to collect on this debt may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may result in legal action. 

Please provide written confirmation of the cessation of collection activities within 14 days of receiving this letter. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Solutions (SC)

I attempted to despuite this information on my credit report. And was informed that is accurate. In which it is not. I never had a cellphone with this company. I have had problems with my identity being used with out my knowledge in the past. my information was stolen a few years ago. And ive been having to deal with unknown accounts on my credit report from sometime know.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, I sent to your company a notarized affidavit and a police report stating that there was identity theft. Although it was removed when they received the affidavit, it is currently on my credit report. 

I am requesting that the bankruptcy be removed permanently. The affidavit was notarized on XX/XX/XXXX and the XX/XX/XXXX. 

Complaints were filed XXXX and XX/XX/XXXX. This is not a duplicate complaint. 
Originally, it was reported on my Experian account. I researched to XXXX XXXX and I filed a complaint against them. XXXX XXXX got it from XXXX XXXX XXXX. This erroneous Bankruptcy is on my Experian Credit file, not XXXX 

On XX/XX/XXXX XXXX XXXX  supplied the information to XXXX The XXXX is on Experian.
Consumer complaint received 2020-07-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank is classifying Balance Transfer Fees as " Purchases '' on their credit cards instead of counting the balance transfer fee as part of the transfer itself. This has resulted in consumers being charged interest rates as high as 29 % on the balance transfer fee when taking advantage of a 0 % APR balance transfer offers ( with a 3 % balance transfer fee ). 

Because Fifth Third Bank applies payments to the lowest interest balance first, they make it impossible to avoid this bait and switch on the balance transfer fee interest charge. 

I attempted to point out the misclassification of the balance transfer fee as a purchase to Fifth Third Bank on XX/XX/2019 and they replied on XX/XX/XXXX : " Balance transfer fees are processed as purchases and the purchase interest rate is applied for Balance transfer fee. '' No other bank I have ever dealt with classifies Balance Transfer Fees as " Purchases '' and this is obviously a tactic to incorrectly charge interest to the consumer that they should not be paying. A balance transfer fee is not a purchase and should not be charged or classified as such. Furthermore, this classification was NEVER stated in any of the balance transfer correspondence sent by Fifth Third Bank.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX - Certified mail sent XX/XX/XXXX - Certified mail delivered and signed for by company XX/XX/XXXX - Follow up letter sent asking to delete record based on item not marked as disputed within the 30 day FCRA guidelines.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (LA)

United auto keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. United auto credit called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

The following company, JEFFERSON CAPITAL SY has reported a fraudulent account on my credit reports. I do not have any financial obligations with the company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company is considered fraud as no authorization has been provided to this company to furnish any information into my credit profile...
Consumer complaint received 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing  XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX   would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance.
Consumer complaint received 2018-02-14
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)

There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (LA)

In XXXX of 2023 I leased a XXXX and used their provider to get approved. They processed my application and I was approved immediately through Santander. Over a month later, my credit card credit reporting notified me of additional inquiries from Chrysler Credit. When I called to inquire, they told me to call back in the morning as they weren't able to tell me why my credit was ran. Overnight, it was then pulled again. When I spoke to someone the next day, they escalated me to a supervisor whom told me there was an error and they would make notes but they would submit an audit to have those inquiries removed but still could not tell me why my credit was hit XXXX more times. I came to learn that Chrysler Credit is a subsidiary of Santander. In XXXX, I called back to get an update and had to go through the entire thing again, was escalated and a women then told me there was an error in their system and she would follow up with the department making those corrections and that she would call me back on XXXX with an update. XXXX came and went and no call. I called in XXXX again to follow up. Same deal, he wasn't sure why I wasn't called back, saw the case notes and promised to follow up- still nothing. It's mid-XXXX and I called and again spoke with a supervisor who told me they cant do anything since I never filed an actual application with them. He saw the case notes and the audit and advised me to follow up with the credit bureaus themselves. My credit report was hit a total of XXXX time, XXXX authorized by XXXX, and XXXX not authorized that brought my credit down XXXX points over the course of the month. They are all still reflecting and nothing has been done.
Consumer complaint received 2022-12-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NJ)

I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (GA)

Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

Thank you for your time and cooperation.
Consumer complaint received 2020-07-14
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: JPMORGAN CHASE & CO. (TN)

My credit cards were stolen on XX/XX/2020. I received a fraud alert text from Chase Visa on XX/XX/2020 asking me if a {$1000.00} charge occurring at XXXX at that time was mine. I responded to the text that it was not my charge and that my card was stolen. Chase responded to my text saying that they would secure my account and send me a new card. Then I called Chase Visa fraud department immediately and explained the situation to them and that the recent charge was not mine. They said they would take care of the charge and remove it from my account, which they did. However, a few days later the charge was added back to my credit card account balance. I have contacted Chase Visa multiple times, the first by phone and then by email to a name given to me during the first phone call. The response to my first email was a request for a police report number, which I provided a few days later. I have not received any response since then and the fraudulent charge has not been removed from my account. My credit card bill is now due but I don't intend to pay the fraudulent charge. Although I did report the theft and fraudulent charges to the police, Chase is not allowed to require me to do that. Also, they have not give me any notification in writing of my rights regarding the fraudulent charge, what they will do about it, when they will respond, and the result of their investigation. I am very concerned that they will charge me interest and late fees on the charge, which they are not allowed to do.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
Thank you for your time and cooperation.
Consumer complaint received 2020-10-11
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 paid {$4000.00} to pay off in full a XXXX XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.
Consumer complaint received 2018-06-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (DC)

XXXX XXXX XXXX refuses to send me an itemized statement and bill. I have requested this in writing multiple times since XX/XX/2018. I have made payments to this account. They will not respond.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I have been trying to contact my mortgage company for 3 weeks. I have sent email and tried to contact the on their XXXX phone number. The emails tell me to call the phone number and when you do it goes into an automated system that you can't get to a representative. In my area we have suffered from a major disaster, we had 2 dam failures that has destroyed have of our town, including my home. I'm am attempting to get a loan modification. But I can not get to a person to discuss the problem!! I would like help!!
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the account!
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

My XXXX 's XXXX credit card was turned over to Portfolio Recovery. However i was in a debt consolidation program who immediately contacted Portfolio Recovery and settled the debt and paid Portfolio Recovery. Portfolio recovery has reported the difference of the settled amount as an open balance to the three credit bureaus. I have disputed the debt with the credit reporting agencies and Portfolio Recovery advised the debt is valid. The debt is not valid and they have had this negative remark on my credit files for over 7 months. This is fraud and would like action taken against this company. My credit score is being affected and i request this debt removed and my credit history fixed. It should not have been reported. I have documents to support my claim. Please help me get this corrected and also i feel action should be taken against this company.