davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (NJ)

Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (GA)

DISCOVER bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

DISCOVER has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Consumer complaint received 2021-03-28
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. (IL)

Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this information.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2022-02-09
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. (GA)

TRANSUNION, LLC is BREAKING THE LAW. TRANSUNION, LLC is reporting private information on my consumer report and file that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required. Also, TRANSUNION, LLC furnished my consumer report on XX/XX/2022 without my consent to XXXX XXXX as there was an extended fraud alert that stated I needed to be contacted via phone to get consent. This was not done as I was alerted that my consumer report and file was provided without my consent.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (FL)

I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (AZ)

I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I  received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Financial Credit Service, Inc. (WI)

I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have my loan with Ditech and placed my loan on a special plan due to being affected by Hurricane XXXX. I 've received 6 collection calls, within the timeframe I was given for repayment ( before my modified payment was late ), and calls came at all hours of the day and night -- very very early Saturday morning, late Monday evening, etc. 

What 's more is they introduced themselves as a rep from Ditech and immediately proceeded to ask me for my social security number and to verify my phone number ( which they called me on ), and became rude when I refused to give my social security number. They called from this phone number : XXXX XXXX XXXX XXXX, which is different from the Ditech phone number.
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NJ)

We have had a home equity loan with Chase Bank since XXXX. In order to get the loan, a walk through appraisal was done at the time and the value of the house was given at {$620000.00}. We have a first mortgage with another company and the total borrowed amount was under 80 % of value. All accounts were paid on time and the full amount of the home equity loan was used for projects in the home. During the housing downturn of XXXX, Chase notified us that because housing prices were down, their electronic valuation tools put the home value at just over {$400000.00} and they placed a lock on the home equity loan. We used all the funds and were paying on time, so we had no problem with it. In early XXXX, while purchasing a new car, we were told the lock on the loan was a red mark on our personal credit reports. Now that home prices have returned to their former value, we contacted Chase to remove the lock and asked them to use the same electronic valuation tool they used before to value the house. They refused to remove the lock or tell me what the value would have to be. They insisted I had to pay for a full walk-through appraisal in order to remove the lock. So I paid an appraisal company to do a full appraisal - almost XXXX pages, with photos and XXXX local comps to justify the value of the house - now at {$530000.00}. The XXXX mortgages would still be under the 80 % of value required. It took three weeks and multiple visits to a local branch, faxing, emailing and communication before they finally got acknowledged receiving the appraisal copy. After a few more weeks and phone calls, they rejected the new value and refused to remove the lock because they did not order the appraisal - after telling me I had to do it myself. Again, we were not looking for more money, all I wanted was the red mark removed from our credit reports. We were told we can re-apply for the home equity loan using their appraiser. I was never told the value they were looking for to remove the lock.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I contacted Penfed and submitted the FTC report to confirm that my account was used fraudulent. I am not 100 % of whom might have used my account but I am only assuming because the bank was pressing me for information. Within 5 days my dispute for XXXX and XXXX XXXX were declined. They said it was declined because I knew the person who commented this crime. I am making a guess as I do not know who could have 100 % done these transactions totaling over 1,000.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NCB Management Services Inc. (MI)

Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue..
Consumer complaint received 2022-02-09
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 (CO)

I had a job then caught XXXX XXXX and lost the job and that is why rhe card was not paid for awhile. Just recently a week or two ago I paid XXXX dollars toward said capital one XXXX and it still says I owe XXXX and I should only owe XXXX. I attached a picture of the account and the remaining balance is only XXXX dollars not XXXX dollars.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables & XXXX are both reporting the same debt and attempting to collect the same debt. They are in violation of the FCRA. 2 creditors can not collect on the same debt at the same time. I have been disputing this for months and they all claim it is valid! This is affecting my financing and my attorney agrees. PLUS THE DEBT IS PAST THE STATUTE OF LIMITATION ON THE COLLECTION OF DEBT.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NY)

I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past
Consumer complaint received 2017-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (GA)

In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.