davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (MD)

M husband has been going to this practice for about two years. The staff and the office manager have reported t their collection agency teh wrong balance without providing them proof of the debt fully. On XX/XX/XXXX there was no calls nor correspondence in writing that we had an upcoming appointment with XXXX XXXX XXXX. our phone number had changed in XX/XX/XXXX. 
I tried to talk to the office manager several times and she was not willing and very agressive short of cussing me out. to correct the amount of the bill. I paid XXXX to the XXXX location office in XX/XX/XXXX. That is the only way that he could have been seen the last visit that I take care of the past due amount of XXXX. Mr. XXXX can not read nor write very well at all. I handle all of the financial matters. The office manager told the staff to hang up on me if I called. The charges of XXXX, XXXX, XXXX dollars are totally incorrect and according to the Fair Debt Collection Act are in dispute. 

Right now Mr. XXXX is very ill with onl XXXX XXXX XXXX XXXX. 
Again we had no written notice of an upcoming appointment. Within a ear anything can happen. They failed to put anything in writing to our postal address before this action.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

XXXX I tried to recover my credit report. I was told I could not have access to it because I had no address on my credit so I needed to identify myself so I sent in my drivers license, social security card, and a bank statement via upload. Had no response. I began to repay my credit in hopes of purchasing my first home in XXXX XXXX Experian said I needed to resend the documents to identify myself again. I sent it via mail overnight with tracking so I could know when it was delivered. I waited the 3 days until I called again they said it was being worked on. XXXX XXXX I called to check my status and they said they never received my documents and by that time my mortgage company tried to pull it 3 time with no success. They said they couldnt give them access because my account was still missing address. My tracking on the letter said it was delivered on XXXX XXXX. I called back on XXXX XXXX and they said they didnt see my documents and I was basically at the mercy of Experian as to whenever they decide to upload my documents. I explained that I have been trying to access it for a year at this point sending 4 sets of document to Experian and nothing was ever added to my credit report. I am still waiting for my report to be released so the mortgage company can gain access to my report before I close on a home. If my mortgage company is unable to pull my report I will not be able to purchase a home. I am an XXXX American woman that has done all the things I need to do to improve my credit and identify myself. I have no other options at this time. I will loose the opportunity to buy my first home unless my credit report is corrected and released to the mortgage company and myself.
Consumer complaint received 2020-08-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018, PORTFOLIO RECOVERY added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COMMERCE BANK (TX)

XXXX XXXX XXXX, XXXX TX. In early XXXX I went into the dealership to cancel my auto warranty I had purchased on my car. I signed a legal document stating that I had cancelled my warranty. I was told that XX/XX/XXXX a refund check was issued to Commerce Bank for my auto warranty that I was cancelled. I tried to get ahold of the dealership multiple times because the warranty refund never posted to my account. I finally got ahold of the salesman on XX/XX/XXXX, that sold me the car, and he told me that the dealership went out of business and that the owners and higher ups of the company are not answering anyone 's phone or giving answers to employees. XXXX XXXX was the financing manager that processed my cancellation and refund. The original cost of the auto warranty was {$2100.00}. I was told a prorated amount around {$1900.00} would be issued to my account. I purchased the car on XX/XX/2020. I am requesting investigation into the reasoning my refund check was never sent to Commerce Bank or never processed, along with the shady practices of XXXX XXXX XXXX XX/XX/XXXX management and owners. XX/XX/XXXX is the company in charge of my auto warranty.
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 — Information belongs to someone else
Company: DISCOVER BANK (NY)

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 


2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.
Consumer complaint received 2017-08-03
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. (GA)

O
n   XXXX   XXXX  ,2017 I sent  XXXX ,  XXXX , Experian a certified letter with confirmation of delivery which was sign for on   XXXX   XXXX  ,2017 from  XXXX ,  XXXX   XXXX ,2017 and Experian on  XXXX ,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the co  mpanies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   XXXX   4. XXXX  5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   Thanks for looking in this matter for me.
  XXXX   XXXX
Consumer complaint received 2022-05-02
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. (LA)

N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2018-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm not sure where to start with this. I was shocked when I reviewed my credit report and found late payment on this auto loan that was paid in full. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

Hello, I booked a refundable airline ticket through Chase for XXXX XXXX flying from XXXX, XXXX to XXXX, IN. When booking the tickets I confirmed with the agent that will there be any fines or penalties in case I canceled the ticket. They said there would be no fines or penalties, I also confirmed the same with XXXX XXXX and they said there would be no fines or penalties as long as I have a refundable ticket. Now due to some unforeseeable issue with my visa, I had to cancel my trip, and chase charged me XXXX $ fine for cancellation saying that XXXX has this policy. I checked on XXXX airway 's website and it does not say that. I need help with this issue, as I booked a refundable ticket so I do not have to pay any fines. It would be great if you can help me with this issue, as XXXX $ is a really big amount for me.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter with regard to I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2018-03-09
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. (MD)

On XX/XX/XXXX, I submitted an online dispute at Experian regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from Experian stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted Experian customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX XXXXs stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' Experian is neglecting this proof.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IN)

Received multiple calls from a XXXX XXXX which I was unable to answer. At the same time I received a text from XXXX XXXX XXXX XXXXXXXX claiming to be the fraud alert from my bank saying there was an unauthorized purchase of over {$1000.00}. I responded " no '' to the text. Then I was called from XXXX XXXX XXXX XXXXXXXX. The ID said it was my bank. Did not give sensitive info, I had disconnected. Called my bank and they said there was never any charges and they never made any contact.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have a Citi Double Cash credit card for years and have accumulated a lot of cash back. On XX/XX/2018, my credit card was closed without any advanced notice. I noticed that my account was closed on XX/XX/XXXX when I tried to buy something using my credit card. I called Citi right away to confirm and also tried to redeem my cash back. I was told that I can't redeem my cash back, but an online representive told me that I can redeem my reward four days later ( XX/XX/XXXX ). 

I called Citi again on XX/XX/XXXX, and a representative AGREED to redeem my cash back and said a check will be mailed to me. However, TWO WEEKS later, I received a letter saying that my reward can not be redeem because the cash back was forfeited at the time of account closing. The only option to redeem my reward is to reopen my account. 

I called Citi again on XX/XX/XXXX to see why they refused to redeem my cash back. No clear explanation was given. An account manager said there is nothing she can do unless I reopen an account. However, I do not want to reopen an account because I have opened new credit cards during these two weeks I have waited. 

As a long time Citi customer, I felt I was poorly treated and everything is poorly communicated. With that said, I summarized my complaint below : 1. My account was closed WITHOUT any notice, even when I used the card EVERY DAY. 
2. Citi did not honor its promise. I was told that my reward could be redeemed on XX/XX/XXXX when I called, but Citi refused to do so later. 
3. Poor communication. I was informed TWO WEEKS later that my reward couldn't be redeemed unless I reopen my account. During these two weeks, I have opened new credit cards with other banks. I do not want to reopen an account because I do not want to open too many credit cards in such a short time frame.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XX/XX/year> disputed via chat, because I couldn't get them by phone..Spent 3 hrs. disputing via chat 3 different individuals, 1 was even a supervisor named XXXX... the other 2 name 's are XXXX and XXXX. Nothing just left me hanging. Later that evening, last night, I finally got through. Spoke to a person named XXXXShe apologized, made a complaint and changed, updated my address and phone # she said. This morning I logged into my account to see the address information is still incorrect and no mention of my phone #. Then I received veiw emails from them ..Having problems contacting them by phone again.. I am extremely scared of identity theft. I don't like how this company goes about its business. Please help...
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DYNAMIC RECOVERY SERVICES, INC. (TX)

I have been receiving numerous calls from Dynamic Recovery Solutions attempting to collect for a debt for someone else that does not belong to my phone number. I have requested to be added to the Do Not Call list multiple times and they have repeatedly called me even after requesting the DNC.

I am requesting formal complaint against this company for it's tactics and repeated violations of the Do Not Call provisions of the Telemarketing Sales Rules. 

Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX Outbound Call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX - Requested DNC ( After Requesting DNC ) Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name XXXX XXXX