davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Hello, I have a matter concerning deceptive practices that I would like your help with. 

In XXXX of XXXX, I called my existing credit card company and requested to close an account I had with them. The rep that I spoke to said that I would need to speak to a manager to close my account, so after spending 10 minutes with her, going on about why she felt I should not close my account, she transferred me to her manager.

This person tried multiple routes to convince me NOT to close my account. I was very set on closing my account since I was streamlining my finances, and wasn't using this account anymore. The manager explained that since I had had the card for a while, closing the account would 'destroy ' my credit history, and that if I kept it open, he would make a note that I didn't intend to use the account, and flag it if there was ANY activity. He assured me there were no fees, and no downside to keeping it open.

The point he raised around my credit seemed like a good one, and since he said there was 'no downside ', I decided to keep it open. I made sure any billing that was linked to that account was stopped, fully paid down my existing balance of about {$700.00} dollars, destroyed my card, and thought I was covered.

Then, last week, I got a notice from a credit monitoring service I use, saying my credit had dropped over 90 points bc I had a bill in collection, and it was with this credit card. I immediately thought this must be some kind of fraud, so I called the credit card company. 

On XX/XX/XXXX, I called, and a rep there, XXXX, told me that I was past due on my account bc I had an unpaid annual fee. He said that since I hadn't had any charges on the account, but still had an open account, they had assessed a fee to keep the account open. 

I explained the situation from a year back, how the rep told me there was 'no downside ' to keeping the account open and didn't disclose that there was any annual fee. I also explained that no one from the company had tried to contact me - not by mail, email, or phone - despite having all my contact information. I had not even been contacted by collections, but had to call in myself to see what was going on. 

XXXX told me that he couldn't help me, but had submitted my complaint to a manager and I'd hear back within 2 business days with a path to resolving this - 5 business days later, and I still haven't heard anything back from this company. 

When I tried to close this account in XX/XX/XXXX, the company 's rep deceived me in an attempt to get to me to not close my account. The company never contacted me about the past due annual fee to let me resolve this before it went into collections and tanked my credit, and I have attempted to resolve it with them, but no one has responded to my issue. 

Please help me resolve this issue. I would like to purchase a home soon, and losing 90 points on my credit is a very serious situation for me. 

Thank you for your help.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was denied for this credit card, but it still shows up on my credit report that its active. I dont understand why when I never received a card or was notified of anything only that I was denied. So I dont think it should be on my credit If I never received it or am I using this card
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

Thank you!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On the XXXX  of XXXX I decided to gather all the information I needed to change banking institutions. I was changing from Capitol One to XXXX XXXX. But before I proceeded I decided to make my car payment. Next, I called Social Security Administration to have my XXXX payments directed to XXXX XXXX and discontinue using Capitol One. After I completed everything I proceeded to pay for my storage facility with my Capitol One card, and the card was declined. I called and explained to them what happened and they insisted that the payment went through. I called the storage facility in XXXX, Texas and they said that they had not received a payment. I called Capitol One 4 times the same day and they insisted the payment had been made. I called the storage facility and they insisted the payment was not made. Capitol One finally gave me a a sequence code, but the young lady at the storage facility has not responded regarding any payment being made. Capitol One has stolen small amounts of money from my account without my permission. The month of XXXX when I received my XXXX payment I had a dollar remaining in my account. The Monthly payment is XXXX, XXXX, adding XXXX dollar would have made it XXXX, but it was XXXX. There have been recently other monies missing from my account.
Consumer complaint received 2019-02-27
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. (TX)

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  Experian and XXXX  I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Consumer complaint received 2015-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.
Consumer complaint received 2019-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  XXXX and Transunion I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX did a hard inquiry and Transunion provided this data without my permission. I provided permission to XXXX to do it only once 1.5 years ago. 

Inquirer 's contact data : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AUTOMOTIVE CREDIT CORPORATION (AZ)

on XX/XX/XXXX at XXXX XXXX I recv-d a call from automotive credit stating my car loan was 31 days past due. I asked how if I paid my payment on the XXXX of XXXX the amount I paid was XXXX. The rep stated I paid XXXX which I advised the amount that cleared my acct was XXXX she then back tracked and said that I had two late fees on the acct. I asked did they report to my credit because it shouldn't as my truck payment was paid she replied with a rude and condescending attitude I guess you have your answer, I requested a sup at this time. she then said one was not available and I can call back tomorrow as I went to advise I will call back today the Female rep hung up on me. I never recv-d a call or letter advising I had late fees on the acct. two the rep should maintain a professional manner at all times. Three it is not acceptable for the rep to hang up on the customer. and lastly I had submitted a due date change and was informed the late fee that would be assessed in XXXX would be waived as my new due date did not start until XXXX. My loan acct number is XXXX
Consumer complaint received 2017-05-01
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. (CT)

On or about  XXXX / XXXX / XXXX   XXXX   XXXX  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX   On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3  ) Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 Any consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title. ( 2 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) " Whenever  a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False  or misleading representations  ( 10 )  " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I just received my credit report from XXXX  and it is showing a Sears/CBNA acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called Sears and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current report.
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION (KS)

The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.
Consumer complaint received 2016-10-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: American Coradius International LLC (NY)

XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).
Consumer complaint received 2022-09-06
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. (MI)

Hello! 

I am having major issues with Equifax. I have sent numerous letters to them and no response. I sent the attached letter on XX/XX/22 and still have recieved no response. 

I also sent them my drivers license and my proof of address so why are they requesting my social security number!? 

I am afraid of identity theft and I will not send my social security card ... that is crazy. 

I have reason to believe that this account is reporting inaccurately. 

Please have them investigate my file or delete this because I believe they are stalling and dont want to investigate for whatever reason which is against the law!!
Consumer complaint received 2019-02-27
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. (NC)

A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (IL)

I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, a fraudulent check was deposited into my account using a stolen ATM card for XXXX $ as part of a scheme to then withdraw cash from the account ( I filed a separate fraud claim for this withdrawal ), this resulted in a temporary false surplus of XXXX $ in the account. The fraudulent check was then discovered and the account debited on XX/XX/2022 for XXXX XXXX bringing it back to neutral, this was noted on my statement as " DEBIT ADJUSTMENT LETTER SENT ''. Then, on XX/XX/2022, another XXXX $ was debited from my account related to the fraudulent check as part of a " RETURN ITEM CHARGEBACK '' line item. After calling fraud services multiple times over many weeks related to this incident, my claim was denied without any significant explanation.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

A few months I sent a letter to portfolio recovery stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from Portfolio informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from portfolio which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post
Consumer complaint received 2019-02-26
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: EQUIFAX, INC. (TX)

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's Equifax XXXX and XXXX I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you