davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
Consumer complaint received 2022-01-13
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. (FL)

My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (TN)

Rocket Mortgage is showing a delinquent balance on my credit report. Showing 120 days past due. I dont have and never have had an account with Rocket Mortgage. I did inquire about a refi with them but did not follow through with obtaining a loan. Please help me get this removed from my credit report. 
Thank you.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Hello, I have written to Experian three times about an address that is reporting on my credit report that does not belong to me. I have never lived at this address : XXXX XXXX XXXX, XXXX IL XXXX ]. Experian claims that they have verified the address via public records, however, I have personally contacted ALL of my past creditors and not one has stated that they reported this address. I want the address deleted asap. I have never lived at this address. It belongs to someone else with a similar name. Not me.
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

I contact Westlake Financial regarding account # XXXX on XX/XX/29 requesting an amortization schedule for my loan and the amount I would need to have only 9 payments remaining. The first agent I spoke to at XXXX gave me a suggested amount but couldnt confirm the amount and when asked for information pertaining to further details in the interest my call was disconnected and I was sent to the survey. I then called back again at XXXX and spoke with another agent whom I asked for the amortization schedule again who told me he had never heard of such a thing. He placed me on hold to contact manager who advised him that Westlake does not provide that information. I asked for clarification as to why and the agent said again we dont give out that information. Im not sure why Im being denied this info and why it is not available but it is a document I needed to proceed with a construction loan for a new home for my family.
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eagle Recovery Associates, Inc. (IA)

On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management began contacting me in XXXX of 2020. The agents constantly called me trying to get me to pay a debt to a company that I was never a consumer/creditor with. They violated my privacy, which made me feel like they were committing identity theft upon me. They sent papers to my house multiple times with their intimidating logos and their messages. They made me feel guilty for something I had never done regarding their company. They made me feel worthless and that my reputation was ruined. I believe they used false and misleading claims/communication along with unfair practices telling me that I owe something they have no proof that I owe. 
They stole my identity by locating my information, i.e. my name or social security number, and I never gave them consent to use it. 
I know this is a violation of my rights under 15 USC 1692 and 15 USC 1692c.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I am having people hack into my accounts changing passwords and forcing me to use the cell phone or telephone to do all my banking. XXXX  XXXX is blocking my online access, XXXX  XXXX  has had passwords changed, and so has Discover. 

I believe my Internet was hacked at my apartment Uncommon XXXX  in XXXX Alabama, I believe its possible that the real estate trust that owns the apartment complex is using it as a data farm and is engaging in illegal activity as a result.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-03-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am long time customer who attempted to open a CD with my bank-Capitalone.com. I contacted customer service after several online attempts to open an online CD. I was informed that I need a cell phone to receive a security code in order to open an online CD. I was explained that there is no other way to send me a security code, not via land line phone nor e-mail. I do not own an appropriate ( Capitalone.com ) approved cell phone. This is customer disservice, not to mention discriminatory. Apparently Capitalone considers cell phone ownership a secure means of verifying a persons identity. If security is genuinely the issue, then Capitalone should make the effort to be more inclusive. Instead of racial discrimination, Capitalone practices cell phone ownership discrimination. Can anything possibly be done to serve the customer instead of further encouraging a two class culture?
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I had participated in the California State Loan Repayment program. Payments were made to Nelnet through this program. My loan balances I was told were paid off, I owed nothing. This was XX/XX/XXXX. In XX/XX/XXXX I  was notified that I had 2 loans in default with a balance of $ XXXX.I began paying these loans. In XX/XX/XXXX I called Nelnet to inquire about the balance and I was told the 2 private loans were now being serviced by XXXX XXXX. BUT -- they told me I had yet another student loan with a balance of {$1300.00}, this one was a, Federal loan. 
Again, I hear nothing. I repeatedly asked for a detailed accounting of the loan history -- payments and balance.I received nothing.Now, my Federal tax return was intercepted by XXXX XXXX for {$1900.00} and when I called them today I was told it was now with XXXX XXXX ... but it was paid by IRS. I call all parties aforementioned and get no information or help. 
Please help me!
Consumer complaint received 2020-01-25
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. (MS)

Repeatedly asked for the removal of debt being falsely reported.This was not and never has been my loan, as discussed several times writing and verbally. The company has refused to correct this from my credit report for well over a year. I have proof of mailing, by registered mail and recorded phone conversations. 
the Creditors names is XXXXXX/XX/XXXX
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MD)

I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service (FL)

I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 deployments. During the course of those deployments to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my XXXX and Equifax reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.
Consumer complaint received 2021-06-29
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. (CA)

XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

XXXX transferred my loan to their XXXX XXXX XXXX company in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus. 
4. My credit score has dropped 169 points. 
5 My mortgage states still shows the full amount of the deferred amount as due. 
6. They are also charging me for hazard insurance.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO. (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

XXXX ( financial aid ) dollars was deposited to my account at citi bank which is in the process Of being closed i have called many times to have those funds released to me and they are denying and not being understanding that those funds are needed immediately to cover for school supplies which are needed by the end of this week or else i will get dropped from every class
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX XXXX charged my Credit Card in XX/XX/2018, {$930.00} for an Air /Hotel Package for a 3 days ppackage from XXXX to XXXX XXXX ( for myself and wife ) to travel from XXXX , N.J to XXXX XXXX from XX/XX/XXXX thru XX/XX/2018, plus {$53.00} for Travel Vacation Insurance. When my mother died on XX/XX/XXXX I contacted XXXX XXXX to change my travel dates to XXXX forXX/XX/XXXX thru XX/XX/2018 and I was assured that my Insurance Coverage was going to cover my new travel dates. However, XXXX improperly charged my American Express Credit Card for the new travel dates, with same Hotel stay another {$1000.00} plus, and credited my card only {$200.00} for the extra flight cost. Plus they credited my Credit Card {$53.00} in XX/XX/2018, for Insurance payment made to them in XX/XX/2018, in attempt to justify NOT honoring Insurance purchased on my Vacation Package. 
XXXX has since re-billed my American Express Credit Card against my challenge and they are insisting on collecting additional payment of {$930.00} for our travel and stay in early XXXX, instead of late XX/XX/2018. Their failure to honor the Vacation Insurance paid for in XX/XX/2018 is a form of deceptive and fraudulent business practice.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I sent out a letter To Verify The Accuracy On my Credit Report. It's been over 30 days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I am not liable for this debt with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$280.00}
Consumer complaint received 2020-01-26
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: EQUIFAX, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.