davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.
Consumer complaint received 2022-09-05
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. (IL)

XXXX  on XX/XX/XXXX should NOT be on my report. I've been disputing this for the last few months. I WANT THIS REMOVED. I have not applied for a home loan nor do I own one. Also XXXX is breaking a law. 

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.
Consumer complaint received 2022-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I XXXX  XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Experian to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to 15 USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I have sent proof of this illegal action as well as Exhibits. Govern yourselves accordingly.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I paid this debt with XXXX and they told me that it would be removed from my credit and it was n't. Also I search on XXXX Office of Financial Regulations this debt collector business is not licensed to collect in the state of XXXX.
Consumer complaint received 2023-03-30
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. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I was going to buy a house and they pulled my credit report and it showed my credit score went way down and it showed it was because I was charged interest on my student loans during the pandemic which it was supposed to be 0 % interest. I found this information out after my loans had been transferred to a different loan servicer. I have tried to contact XXXX to no avail. When I call MyFed Loans they originally said I had to call XXXX. I requested a report from MyFed Loans to see if they could tell when I was charged interest, it took over 8 months to get this information and then they did not want to assist me to get this corrected. 
I have contacted MyFed Loans at least 4 different times and no response back from them. Now I understand that MyFed Loans will no longer be my servicer so now I don't have any way to have this corrected. It is really upsetting that this made my credit score go down and it hurt my house hunting. 

What/who can I contact to get this corrected? 
Dates in question are on all my loans between XXXX to XXXX. 
The hardest thing to get anyone to understand is that XXXX charged the interest but my servicer is not MyFed Loans, so who do I report ( BOTH? ).
Consumer complaint received 2022-02-13
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. (FL)

This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hillcrest Davidson & Associates (TX)

Received a call from XXXX XXXX from Hillcrest Davidson advised of debt. Refused to provide written statement of debt stating that they have no obligation to send information he advised that we had to request information and could only receive communication by email. Refused good faith payment and stated that debt was incured by communal law. However debt was incured before marriage and is not able to be carried over. Was threatened that he would ruin my credit if not payed immediately and had access to entirety of my credit report. Stated that he would go after my wife next. Stated several times that I had no consumer rights. And that he would continue harassing me until the debt was payed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of XXXX XXXX. However, I have never received any documentation to prove that their investigation is correct. XXXX complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I contacted GM Financial to extend my lease to get time to find financing. I was given a 2-mo extension and was told to call back as I can receive up to 6-mo ext of time. When I called back to extend the lease I was told that due to previous paying ( yes, I have been late due to divorce and COVID but my account was paid up to date when I made phone call ). I tried to purchase vehicle at a lower purchase price and was told that wasn't an option and that I was to return vehicle to dealership immediately. I wanted to purchase vehicle because the mileage was high. Since I was instructed to turn lease in, I went to  XXXX XXXX XXXX and turned vehicle in. I was told by XXXX at XXXX that they would pay what was owed to GM Financial. Much to my dismay I was sent an XXXX invoice. I contacted GM Financial and told asked them why I was being charged this exorbant amount for vehicle. They informed me that I needed to contact XXXX XXXX XXXX for information. I contacted XXXX XXXX XXXX and requested amount paid to GM Financial for the lease. I spoke with XXXX and later another supervisor. Both informed me that the information was classified and that I was not privy to the information. I believe GM Financial is trying to get from me more than the vehicle is even worth. If they had sold the vehicle to me directly I wouldn't be in the upside down position i am in. GM Financial should not be allowed to  SQUEEZE every XXXX out of its clients. In these times of COVID, I am requesting that this be looked into and I be released from the XXXX debt that was added to my credit report. This is robbery at its finest with no one to account for it.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Complaints : Incomm has failed to properly process my unauthorized transaction dispute request when first reported.Incomm has failed to request appropriate documents from me, considering that the order was placed through them, and they should be aware that their system does not provide a receipt Incomm has failed to provide me with a temporary credit within XXXX business while the case is being investigated, and has frozen my remaining funds. 
Background : On XX/XX/XXXX, an order was placed for a virtual Vanilla Gift card through yourgiftcardchoice.com, a website operated by Incomm Incentives. I received an email from XXXXXXXXXXXX  with a confirmation of the gift card order. 
On XX/XX/XXXX, I received an email from the same address with a link to retrieve the virtual gift card details. I was able to retrieve the card details. No one else had access to these details or this email. 
On XX/XX/XXXX, the card was used at a merchant by an unauthorized third party. 
On XX/XX/XXXX I realized that the card had been used by an unauthorized third party. I contacted Income to report unauthorized usage of card. The card was XXXX and the remaining funds were frozen. XXXX business day resolution given On XX/XX/XXXX called to check status of resolution. Representative informed me that the case was incorrectly filed and a dispute had not been processed, and started the dispute process, and provided a resolution timeframe of XXXX business days. They instructed me to send front and back of my ID, and a copy of the receipt to XXXXXXXXXXXX I explained to the representative that I had an order confirmation email but not a receipt, and the representative stated to send that in in lieu of the receipt. 
On XX/XX/XXXX, sent requested documents to XXXXXXXXXXXX  via email, and received a confirmation that the documents were received.On XX/XX/XXXX, Incomm Fraud Department contacted me via email to request additional documents : the front of the gift card and a copy of the receipt. I called Incomm and explained to the representative that I did not have a receipt because none was sent by Incomms XXXX website, and that I did not have the front of the gift card because it was a virtual gift card. The representative explained that the order confirmation document I had sent was not sufficient, and the case was being escalated for not having a receipt available, and the resolution timeframe was XXXX business days.On XX/XX/XXXX - No contact from Incomm had been received since previous date. I called Incomm phone customer support and they informed me the case would take additional time to process.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I disputed one of the accounts on my credit ( XXXX ) but they went and disputed the wrong account XXXX XXXXXXXX XXXX XXXX. Now my credit reporting is not showing my XXXX XXXX  credit card, my balance, my payment history or anything else about the account. I contacted them and told them about this but my credit reporting it still not showing any information about my XXXX XXXX  credit card. The account shows correctly on other credit bureaus
Consumer complaint received 2021-11-05
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance Owed : {$3000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ( XXXX ) XXXX ext XXXX Following several disputes with the credit bureau ( s ) ( TransUnion and XXXX ) and phone calls to XXXX, neither of these agencies can produce any proof this account is mine, tell me what it is for, or produce any signed document correlating me with the account. In addition upon connecting with XXXX, first they stated this is a medical bill ( I never received medical care ), then it was for tuition reimbursement ( never received tuition payments ), then it was for school reimbursements. To date XXXX can not produce a single document correlating me with the proposed amounts owed.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.