davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file. 

Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file. 

I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I  told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work. 

Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. 
My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition XXXX misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents XXXX XXXX XXXXXXXX 's willful wrong reporting. Damages accrue daily.
Consumer complaint received 2021-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

Navient lures borrowers into deferment and income based repayment then they raise the costs of the loan repayment to a level that people cant afford. They have also added numerous frivolous fees to my loan. They have harassed me, my friends, and my family for 2 years now during the pandemic. I did not originally borrow that much money but have so many fees they say I owe over XXXX dollars. I am XXXX years old and will never have these loans paid off.
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

To Whom It May Concern : I received an alert from XXXX, XXXX and XXXX about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to XXXX  by XXXX. I have received a response that clearly violates my rights according to HIPPA. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2021-05-05
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX at XXXX a.m., I called Capital One-GM Buypower Card Rewards ( XXXX XXXX XXXX ) and spoke with XXXX ( mgr. ) concerning shortchange in earned GM Buypower Rewards per advertising ( " 5 % earnings on first {$5000.00} in purchases every year, then 2 % unlimited earnings on purchases after that '' ). 
I indicated that first purchases made and posted for the year, from XX/XX/XXXX to XX/XX/XXXX alone ( {$7100.00} total ), more than satisfied the advertised criteria ; earning the maximum rewards permitted at established initial rate of 5 % ( {$1300.00} ). 
I was told by XXXX that application of earnings at said rates are effective upon cardholders ' anniversary date ( XX/XX/XXXX ) and purchases made qualified for 2 % rate instead ( {$66.00} ). 
I informed XXXX that neither throughout buypower.com website, nor independent card product endorsement advertisements, does clear specification of aforementioned " condition '' exist to inform current or future cardholders. Lack of such, is misleading and deceptive. 
I was told if I can furnish " proof '' of said advertised wording, it MAY be considered, otherwise there is nothing that can be done. To no avail, I repeated various times that specific language is boldly advertised on their own website with nothing to the contrary. 
At XXXX a.m., with " proof '' ( buypower.com screenshots, independent advertising ) to provide, I called GM Buypower Card Rewards and spoke with XXXX. 
Upon providing my information to establish identification, XXXX proceeded to dominate call by speaking over me with redundant and evasive scripted material ; denying / preventing me from speaking or furnishing " proof '' initially demanded. Call was terminated.
Consumer complaint received 2017-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. XXXX XXXX and Navient are constantly calling whether a payment is scheduled or not. XXXX XXXX will not work with other payment arrangements either.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a mobile check deposit of {$50000.00} into my Bank of America checking account on XX/XX/2022. At the time of the deposit, I was provided a notice saying that the funds would be available XX/XX/2022 by XXXX. I subsequently received a notice on XX/XX/2022 stating that an " extended hold '' was placed on my check " because check specific information indicates item may be returned. '' I called Bank of America on XX/XX/2022 and spoke XXXX ( BoA Employee # XXXX ) who is a Supervisor of Consumer Deposits. I asked why an extended hold was placed on my check but XXXX was not able to provide a reason or justification for the extended hold. I explained to XXXX that I've been a Customer of the Bank for over 22 years with zero occurrences of returned checks on my account. Additionally, I informed XXXX that the maker of the check ( XXXX XXXX XXXXXXXX ) is the largest independent retirement savings company in North America with over 40 years in business and over {$400.00} billion dollars under management. Despite providing these additional details, XXXX was not willing to lift the extended hold or provide any details on why the check was being held until XX/XX/2022.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received a new Bank of America card for my account and was told by customer service today XX/XX/2018 that my account XXXX had been closed last month for inactivity. When I spoke with customer service I was informed that the account could not be reinstated because the terms and conditions were no longer available. 

I have had an account with them for nearly 30 years and I suspect that my account came under scrutiny because I had retired last year and this was an easy way to eliminate the account that was no longer as profitable for them. 

They offered to let me apply for a new account under what I assume would be less favorable conditions ( Especially because my income has obviously changed since my retirement.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (PA)

The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-03
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I recently purchased a brand new XXXX XXXX XXXX on lease from XXXX  of XXXX on XX/XX/19. After agreeing to the lease financing terms shown to us @$XX/XX/XXXX/pm for 36 months, and closing the deal, signing all the necessary paperwork, we drove out with the brand new car. Only after 4 days of the sale, their financing manager called me to say that they made a mistake in the money factor/interest rate, for hybrid, it is higher, and that changes my monthly lease payments to about @$XXXX/pm, an increase of $XXXX pm, ~ $XXXX higher than what we agreed in the paperwork. This is unacceptable from the XXXX Plus (or any XXXX dealership). I feel deceived and a victim of "bait and switch", an unethical and deceptive business practice followed by this dealership. We spent 5 hours at the dealership for this entire process on Saturday and 3 hours alone for the financing paperwork. Not even once during this entire time they figured out the incorrect money rates. Now four days later, they want me to agree to higher financing payment terms. It's been 3 days and still no resolution to it. Today I'm offered yet another terms @XX/XX/XXXX/pm, but this is not what I agreed to, and wouldn't have bought the new XX/XX/XXXX at this rate. I want the XXXX  of XX/XX/XXXXto stop following this deceptive practice of fooling the customers with one rate when they buy the vehicle, only to change to a higher rate in the next few days. This is over and beyond the advertising frauds. This has to stop. It is not only unethical but also fraudulent. Its really shocking and painful experience of what I'm going through. I hope others can learn from it and avoid this dealership.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Acceptance LLC (IN)

XXXX XXXX {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 XXXX XXXX  paid off from my bankruptcy, that has not been pulled from my report that is all settled and paid through bankruptcy ) General Acceptance {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

This company is harassing me. I am not a party to the debt. I have informed them they are calling my work number and I am not XXXX nor do I know who XXXX is. They continue to call XXXX this is a Government cell phone, they will not stop calling. My clients/ families call this number I am a XXXX XXXX not XXXX. Please make them stop.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.
Consumer complaint received 2019-08-13
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. (KS)

I have inquiries I was trying to dispute with the creditor and Transunion. Because some of the inquiries were done without my permission Transunion refused to dispute my issue. 

inquiries that should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX