davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC (AR)

Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (WA)

I received a statement dated XXXX XXXX, 2016, from XXXX XXXX XXXX. 

The amount was paid in full on XXXX XXXX, 2016. 

I later received a collections notice dated XXXX XXXX from Computer Credit , Inc, for this debt which was paid in full two weeks prior.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Pendfed this week double paid all the bills I paid and then took the money back. Which in turn didn't pay my bills. Also they charged me over draft fees. They gave the fees back. But all the bills I paid says they didn't get paid and they are charging me return fees and late fees. Which pedfed is not taking responsibility for nor offering to credit me.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX  XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Consumer complaint received 2017-12-28
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: JPMORGAN CHASE & CO. (CA)

I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

An impostor opened a XXXX XXXX account using my credentials in New Jersey fraudulently from XX/XX/XXXX to XX/XX/XXXX and I have been living in Florida for the past 22 years. I became aware of the issue through my Visa credit card provider and I alerted XXXX and provided agent XXXX @ XXXX on XX/XX/XXXX all the information that I could, to prove that it was a fraudulent account that was opened without my knowledge. But they refused to correct the problem and submitted my case to a collection agency on XX/XX/XXXX. 

I was repeatedly contacted by Southwest Credit Systems ( debt collection agency ) and so I paid off the {$120.00} charge to stop the harassment. 

Please I need help to remove this negative collection issue from my Credit Report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was alerted by XXXX and Capital One stating that there is a hard inquiry on my credit report today XX/XX/year>. I called XXXX to dispute the inquiry and also called Capital One to dispute the inquiry and put a note on my account that I am not applying for a new credit card.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was in the emergency room ( hospital in 2016 in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) I had XXXX XXXX XXXX. I missed payments these 3 months. Once I had a chance and out of the hospital I caught up on all the payments. Now I have 12 missed payments on my credit report, I think this is hardship and they should be removed. I was in the hospital XXXX XXXX. PLEASE HELP AND REMOVE THE MISSED PAYMENTS FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2017-11-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I applied for a loan on XXXX/XXXX/XXXX with One Main Financial. They performed a hard inquire that day.Then they performed another hard inquire on XXXX/XXXX/XXXX. This should not have occurred since they did it the day before. The hard inquire is showing up on my credit as hard inquire.
Consumer complaint received 2021-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I used my Bank of America credit card to pay XXXX XXXX XXXX {$2900.00}. to ship my vehicle from XXXX in XXXX, MO. to XXXX XXXX in XXXX, Az. XXXX XXXX said my delivery pick up dates were XX/XX/XXXX and XX/XX/XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX  called me around XXXX XX/XX/XXXX XXXX claiming a truck was available to pick up my vehicle. XXXX XXXX was unable to provide the truck drivers name and then said they can pick the vehicle up the next day XX/XX/XXXX. XXXX XXXX never provided the truck drivers name and I called XXXX on XX/XX/XXXX at XXXX and confirmed no one had tried to pick up my vehicle. I asked for a refund and XXXX XXXX said they would provide a refund. To date XXXX XXXX has not provided a refund but instead wants to ship my vehicle. Since it is three months later and my vehicle is repaired I don't need to ship my vehicle to XXXX, Arizona so I would like a refund for service XXXX XXXX never provided.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened up a Capital One 360 account with the PLUS400 promotion code with the promise that if Ive made 2 direct deposits of {$250.00} or above in 60 days I would receive a bonus of {$400.00}. I changed my direct deposit to Capital One and have had several direct deposits that were over the {$250.00} minimum. I reached out to capital one several times about the bonus and was told that I would receive the bonus within 6-8 weeks of account open. On my last call to CO I was told I was n't eligible because I was not a " targeted '' customer. When applying for this account the criteria did NOT stipulate any such thing about being targeted. I followed the steps and requirements of this account and feel I should be awarded the promotional bonus.
Consumer complaint received 2021-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital one XX/XX/XXXX Cap1/Neiman MRCUS XX/XX/XXXX Please block and remove them from my report i have tried everything.
Consumer complaint received 2017-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has several inquiries on my report that were not authorized by me and the result of identity theft/fraud. I reached out to Transunion at least three times over the course of the past few weeks to no avail. 

Typically Transunion always responds and states that I have never reached out to them, bu this is not true. Please see my most recent attached copy of the letter that was sent to Transunion, along with a copy of my police reports of ID theft.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion, XXXX, and the other agencies are permitted and paid to report information that they do not insure is timely or correct. They allow 30 days to correct information, yet if a consumer spent 30 days deciding whether or not t pay a bill, it would give these companies the power to destroy their credit. So logically, since it takes so long for them to correct incorrect information, they themselves are unreliable and have poor credit. The whole system is madness. If I am required to pay a bill within a week of its due date, they should be updating weekly AT LEAST!!!
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (AK)

On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery. 
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order. 
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.
Consumer complaint received 2017-11-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

This is my final chance giving you the opportunity to remove this debt off my credit. There is not debt that I owe. You are the company that is reporting this debt on my credit not the original creditor, so therefore it is your responsibility to remove the debt if you can not validate the debt. You have not provided the contract showing that you are representing the company to have jurisdiction to put anything on my credit. I have NOT signed a contract with you what so ever! The company that you are stating that i owe has not reported anything on my credit, and unless you have jurisdiction to do so and can prove that I owe this debt, you cant either. Again, your final warning or you will be sued!
Consumer complaint received 2022-09-08
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. (GA)

My credit profile is reporting that the Bankruptcy information was verified by the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Consumer complaint received 2021-02-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CURO Intermediate Holdings (TX)

Me and my attorney filed and sent proper paperwork to AD ASTRA debt buyer for Speedy Cash disputing amount owed and requested proof. AD ASTRA could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved XXXX XXXX XXXX XXXX another debt buyer for Speedy Cash bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, ad Astra and XXXX are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to Equifax, XXXX and XXXX to update my personal information which was not done. Also on the same date I requested the following accounts be removed
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Reported fraudulent charges on XX/XX/XXXX and they handled the claims poorly by checking on only one of the three claims and then closing the report. It took me 45 days and 3 contacts with Synchrony Bank to have another report opened on the other two fraudulent claims and another forty five days to receive any reports on their progress. 

In the mean time they have charged me interest on the fraudulent claims and late fees for non payment on the fraudulent claims. It is now XX/XX/XXXX and there are still charges on my account for the late charges on fraudulent purchases and late fees for non payment on fraudulent claims.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (AL)

I attempted to dispute charges to my BBVA account. The person on the phone told me to go to the website of the other company and take my card off file. I explained that it was an annual fee yet they still allowed charges over several months. They have continued to charge late fees even though money is available in my savings account. I believe this was done because I moved my retirement account to another banking institution. They expressed with the merger from BBVA to PNC that I will not have access to my direct deposit funds. They state the transition will have different account numbers. I am having to change my direct bill pay accounts to a different bank. They expect me to return for services. I will not be returning as this will cause problems for my direct bill pay accounts and direct deposit.
Consumer complaint received 2017-07-07
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. (FL)

I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XX/XX/XXXX, WHEN THE ACCOUNT WAS FIRST OPENED.

THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/XXXX. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.