davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (NC)

On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. 
She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (FL)

I noticed a collections account placed on my credit on XX/XX/2021. The debt was initially placed with LTD Financial Services on XX/XX/2021. I received no notice of debt, and I did not receive a right to dispute said debt. Since I've been made aware of this errant collections account I've sent letters to LTD Financial requesting the removal of the account, a debt validation letter, a Cease and Desist, and any correspondence signed by me licensing LTD Financial with ownership of said debt or contractual obligation with LTD Financial. 

Since LTD Financial has received the Cease and Desist letter demanding a cease in communication with me through any and all mediums the collections agency has called my personal cell line ( XXXX ) XXXX XXXX almost daily. This is in direct violation of 15 U.S. Code 1692c which states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. ''
Consumer complaint received 2018-01-26
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: AES/PHEAA (DE)

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.
Consumer complaint received 2018-01-26
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. (AZ)

I recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am submitting this dispute for further assistance regarding some inaccurate information and accounts showing on my credit report. I have notified Experian of this matter. I have provided proof of this items being removed from the other credit bureaus as well.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2018-01-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have two credit inquiries on my account that should not be there and was hoping to seek help to remove them. Both of them were pulled on the same day as well as by two companies in California. I 've never been to California nor have I ever done any business with those listed companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-26
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: Experian Information Solutions Inc. (AZ)

I recently received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Consumer complaint received 2018-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OH)

This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC (NY)

I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX , Illinois XXXX XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Avant On XX/XX/2022. I applied for The Avant credit Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Avant has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

CAPITAL ONE CREDIT CARD I am writing this to request to Capital One for a refund of the following late charges ; Date Amount XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} The reasons for this request are ; 1. I did not receive any statements from you since XX/XX/XXXX 2. The government had informed you that my card was compromised 3. But you did not inform me. 
4. You locked my online card account. 
5. I can not access the card account online because I am still locked out 6. Someone had taken over my account and changed the address so the statements, I believe were sent to that address. 
7. You were delinquent in your duty in not sending me the statements and above all for not informing me of the fact that my account was compromised and that you had locked my account. 

Actions taken by me 1. In XX/XX/XXXX. I was made aware of past due payments by an e-mail and I immediately called Capital one and paid {$150.00} over the phone. 
2. When I spoke to the person over the phone, I told them that I did not receive any statements and to please send them. She promised to do it but never did, and neither did she inform me that my account was compromised or had been in locket down. 
3. I wanted the statements to make sure that all the charges were accurate. 
4. If I had known about the fraudulent situation, I could have initiated action to get a new card. 
5. On XX/XX/XXXX, I called Capital one and asked them again to send me the statements. They promised to do it but never sent it to me. Again, I assume it was sent to that fraudulent address. Even at that time you did not inform me of the fraudulent situation. 
6. On XX/XX/XXXX I got an e-mail advising me of the past due amounts. I immediately called and paid it the past due sum over the phone. It was only on this occasion I was told that the account was under lock because of a fraudulent situation. 
7. I then got the address changed back to the correct address. I then requested statements which I received on XX/XX/XXXX 8. On XX/XX/XXXX, I I spoke to XXXX ID XXXX and requested a refund. He said it is my responsibility. 
9. I am still locked out online Considering the above, I am requesting that you refund all past dues fees as shown above, because you were negligent in ; a. Not sending my statements b. Not informing of the fraudulent status of my account c. To continuing to lock me out of online.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ideal Collection Services, Inc. (FL)

On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.
Consumer complaint received 2021-03-25
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. (NJ)

I have sent multiple letters to XXXX XXXX, Equifax and XXXX, dated back to XX/XX/2020, expressing my concern regarding the inaccurate information being reported on my credit report. they insist that the information has been verified as accurate I XXXX XXXX never gave consent to report such things on my report. Under the 15usc-1681a this is illegal! 
XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX Equifax : XXXX , XXXX XXXX XXXX  , XXXX , XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX : XXXX, XXXX , XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX,
Consumer complaint received 2022-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days
Consumer complaint received 2018-01-25
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. (WA)

I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CT)

On  XXXX   XXXX ,  XXXX  received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is  the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS  on  XXXX   XXXX ,  2017 .     S ince, ACS has no t posted the payment. They said it  could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business  days, I asked a customer service representative if they could contact  XXXX  to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at  XXXX  XXXX  XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.