davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (CA)

On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (PA)

On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I  received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by Pendrick Capital Partners. I was provided with the number of ( XXXX ) XXXX. I called Pendrick customer support and spoke with XXXX who stated that the bill was sold to Pendrick and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is  continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Resolution Group, LLC (TN)

Calls repeatedly and is extremely rude. Never works with helping you out. XXXX XXXX is a XXXX!!! 



XXXX XXXX ... .XX/XX/XXXX. 
Social : XXXX
Consumer complaint received 2017-04-10
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (WI)

I used my AMEX bluebird prepaid card to secure a hotel for 2 days, the room rate was XXXX which with taxes came out to XXXX a night. My card was charged XXXX separate times for over XXXX dollars. I have gone through the dispute process twice now which is very long, submitted all proofs and receipts and they still have not given my money back. They do not allow me to speak directly to there dispute department and will only talk to me through there customer service number, which claims to want to help but ca n't.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

So, here 's the rundown. You know that Fair Credit Reporting Act ( 15 USC 1681 section 602a )? Apparently, it tells consumer reporting agencies to play nice, be fair, and respect our privacy. Well, as the consumer, I threw my weight around, reminding them of my rights under 15 USC 6801 Congress insists financial institutions keep their hands off our private info. Now, there's this thing about entities feeding info to credit agencies, calling them " financial institutions. '' Supposedly, they're supposed to follow rules. According to 15 USC 1681 section 604a ( 2 ), if a consumer like me gives written instructions, they can dish out a consumer report. But, here 's the twist the financial institution and the big names, credit bureaus never bothered to get my written consent. So, consider any kind of consent, whether it was spoken, gestured, or whatever, totally cancelled by yours truly. Now, about these big shots not bothering to tell me about my right to shut them down thanks a lot, 15 USC 6802 ( b ) ( c ). All 3 bureaus thought it was cool to toss negative items on my credit report without my say-so, which, surprise, surprise, is against 15 USC 1681C ( a ) ( 5 ). Hold on, it gets better Section 1681s2 ( A ) ( 1 ) A of the U.S. Code screams, " Dont give false info to consumer reporting agencies. '' But XXXX and Experian missed the memo and are breaking the rule. And then there's 15 U.S. Code 1681e, saying every consumer reporting agency should have their act together with " reasonable procedures. '' They're not really following these supposed " reasonable procedures. '' Last but not least, 12 CFR 1016.7 says I can slam the door shut on their reporting services whenever I want and guess what? I'm slamming it shut now. So, these guys better fix things fast, or they're in for a legal storm.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a Capital One Platinum XXXX XXXX for a few years now. I always receive a billing statement a few weeks prior to my payment date which is the XXXX of every month. 
I have been making all of my payments on time and more than minimum amount. I noticed that I did NOT receive a billing statement for the month of XXXX. I thought perhaps it may have been delayed and waited until the XXXX. I still had no billing statement by the XXXX so I called the customer service number on the back of my card. It took several minutes of navigating their answering service to finally speak to a customer service rep. When I finally connected with the person, I could barely understand him. It took me nearly 30 minutes to make him understand that I had NOT received a billing statement for XXXX. I told him I WANTED to pay my balance of around {$40.00} and offered to do it over the phone using my bank debit card. He stated that my type of account was not eligible for phone payment. He then put me on hold and returned saying that that Capital One would issue a new statement within 4 to 6 working days and would " consider '' waiving the late fee after my payment was made. As of this date, I still have NOT received an up to date billing statement from Capital One.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (OK)

I have been repeatedly contacted by Professional Finance Company about a hospital bill from XXXX. I sent a certified letter on XX/XX/XXXX in response to their claims that I owe money, I responded within 30 days of their last collection letter. I asked for proof of the debt and what amount they will settle for if it is proven to be mine. My letter was received by " XXXX '' at PFC on XX/XX/XXXX, and I received no response or proof of the debt from PFC. 

Today ( XXXX XXXX XXXX ) I received another letter dated XXXX XXXX threatening to take legal action against me if I don't pay them {$1300.00}. They did not acknowledge my request for proof of the debt and they are still adding interest to the amount. Bear in mind, THEY STILL HAVE NOT PROVEN THAT THIS DEBT IS EVEN OWED BY ME. Just threats and demands. 

I guess I'll just see them in court since they're going to sue me over a debt they can not provide proof of!
Consumer complaint received 2021-06-23
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: JPMORGAN CHASE & CO. (CO)

was doubled charged for a purchase from XXXX XXXX  XXXX XXXX in Louisiana for {$100.00} on XX/XX/2021. Contacted merchant, they said they would credit my card, they didn't. Contacted Chase, they denied me because the receipts show I signed, but it is not my signature.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (NC)

On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (NJ)

The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.
Consumer complaint received 2018-03-23
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. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX
Consumer complaint received 2017-10-17
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. (FL)

I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.
Consumer complaint received 2017-09-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/XXXX
Consumer complaint received 2021-06-23
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. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2015-12-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Roycroft Management (TX)

I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NV)

I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.
Consumer complaint received 2017-09-01
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. (TX)

I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-23
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: Santander Consumer USA Holdings Inc. (MI)

I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or XXXX. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
Consumer complaint received 2018-03-23
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. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (PA)

It is absolutely ridiculous that I am being harassed by this company. I was called on XX/XX/XXXX and would not even be given any information about why I was getting this call. The only thing they would tell me was that I was put down as a number for my mother. When I took down the contact information of who had called and told my mother, she informed me that it was a collection call, that I had, in fact, been put down as a character reference and not someone to contact, and that they were not allowed to be contacting for such a matter. My mother then filed a complaint due to the contact that this company had with me. I just got another call again today ( XX/XX/XXXX - less than three weeks later!! ) from this company, and when I told the woman that I was not to be called, I was treated quite curtly and frankly, rudely. I do not understand why this company thinks that they can harass family members MULTIPLE times, particularly when the law prohibits this. Saying " this is not a collection harassment call '' does not make it something other than exactly that. This company needs to be held responsible for its actions and treat its customers and family members with more respect than it currently does. I am thoroughly angry with the encounters I have had with this collection agency.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, used, and shared. Section 1681b of Title 15 of the United States Code ( 15 USC 1681b ) specifically addresses permissible purposes for obtaining consumer reports. It outlines the situations in which a consumer reporting agency is allowed to provide a consumer report to someone. 

In summary, 15 USC 1681b outlines the permissible purposes for obtaining a consumer report, and it generally restricts access to consumer reports to situations where there is a legitimate need. Permissible purposes include : In response to a court order or federal grand jury subpoena. 
With the consumer 's written consent. 
For a legitimate business need in connection with a credit transaction initiated by the consumer. 
For employment purposes ( with certain restrictions and additional requirements ). 
For the underwriting of insurance. 
When there is a legitimate business need related to a transaction initiated by the consumer, such as reviewing an account or collecting a debt. 
To comply with laws, regulations, or a legitimate government need. 

The following Non-permissible inquiries are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX