davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IL)

I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.
Consumer complaint received 2016-10-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Dear Sir/Madam : This is letter in reference to my denied credit card application with NFCU due to the status of my checking account. 
On XX/XX/2016, I applied for a credit card with NFCU via telephone. During the application process, I asked the female customer service representative which credit reporting agency does NFCU use and her response, " XXXX ''. 

Recently, I checked my credit report as I often due when applying for credit, and I noticed NFCU never pulled my credit. I received a letter of denial, stating Extenuating Factors Exist Regarding Your NFCU Account ( S ). ( Primary ). 

On XX/XX/2016, I contact NFCU about the denial letter and asked XXXX, the customer service representative. " How was I denied when my credit was never pulled? What was the purpose of the application process? '' The CSR response, " I see you have a garnishment on your account '' and that 's the reason for the denial ''. My response, " I should 've been told this before the process of the application because this is misleading the member. So, I waited over one week for a response when you 'll never pulled my credit and already knew that I was n't going to be approved ''.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

I called aidvantage and questioned why my payments only went to interest and nothing was applied to the principle. The women I spoke with stated it was hard to explain and that congress set the process and she would escalate it up the chain to provide me with a break down. The information they sent was just how interest was calculated which I already had from there website. I am still waiting for a clear answer to get a clear answer on why nothing has been applied to principal. My loans started XXXX with payments of XXXX and nothing has been applied to interest minus XXXX. 

Now I was forced to go to Aidvanatge when XXXX went away and the only thing that keeps happening is my original loans that were a quarter of this amount keep getting bigger and bigger with interest.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capitol One Auto Finance sent me a statement due XXXX XXXX, 2016. I mailed a check tthem to make the XXXX XXXX payment. Two days ago I received another statement telling me my XXXX XXXX payment was due. I called Capital One Auto Finance to ask what was wrong. They explained that my previous XXXX XXXX payment had been applied to my principal, or some of it, they subtracted interest out of it. 
1.Why did they apply my first XXXX XXXX payment as principal? 
2. Since it was applied as principal, why was interest deducted from it? 

This has caused us to come up with another payment for XXXX XXXX, causing some financial disturbance. 
I was unable to get a straight answer from Capitol One Auto Finance.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Linebarger Goggan Blair & Sampson LLP (OR)

I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in XXXX.
Consumer complaint received 2023-03-27
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. (RI)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2018-03-18
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. (NV)

I received a credit alert friday XX/XX/XXXX about an Auto loan application from XXXX, i called XXXX to let them know that was a fraudent application and to ask them why they didnt call me because i have a fraud alert in my credit report, i have been a victim of identity theft in the past. XXXX apologized and told me they already ask Experian to remove the fraudulent hard inquiry from my credit report but the inquiry still there nothing has changed, i called Experian but theyre not willing to help me. Please remove fraudulent hard inquiry from my credit report XXXX XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, XXXX XXXX XXXX which is my legal name, there are so many AKA 's it 's crazy I want all removed. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE
Consumer complaint received 2022-02-28
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. (MS)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : XXXX. XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : **** Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Please remove it from my credit report PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Consumer complaint received 2017-02-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. Thank You!
Consumer complaint received 2019-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have e-Correspondence selected to avoid physical mail being sent to the house. Mail continues to come via post. I recently changed my address to my parents address with USAA since they insist I should not be receiving physical mail and I am scheduled to move overseas in 1 month. Physical banking statements are now being sent to my parents address and mail is still being sent to my current address. This lack of control 9f financial documentation adds a great financial risk to my family and I. USAA places the full account numbers in their mail. I have contacted them 2 times via phone. Once to ask why I am getting mail and to change the address. The second was to ask why I am still receiving physical mail and why it is coming to the address I changed. The bank refuses to acknowledge that there is an issue on their mailing side.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (CA)

XXXX petty deception still continues?! # I 'm not paying them or vantage sourcing, now these petty criminals referred it to north shore agency. SIMPLE, these petty XXXX thieves breached california laws of good faith and fair dealing. Especially their stuck on stuck balance billing. e.g. these idiots attempted to _fraudulently_ charge me an early termination fee for ( trying ) a XXXX tablet I sent back _dis-satisfied with and that phony 2 years contract I NEVER agreed to. Took these clowns 2 months to fix their intentional deceit/blunder. In the mean-time continue to balance bill me on this stupidity. These superficial derelicts need to be personally held accountable!!!!! Using their crammed/overcharges outrageous profits to pay there sloppy fraud and deceit. Is that XXXX paid out?! # I do n't owe verizon anything. What have you done with my formal complaint?
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MA)

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eagle Accounts Group, Inc. (MO)

Continue to send correspondence with debt collection symbol and conspicuously threatening to report to CRA which is harassment and abuse. They have also reported alleged debt to XXXX which is defamation of character and has resulted in XXXX showing a derogatory mark when debt is no longer being collected by original creditor of XXXX XXXX as confirmed by them. The alleged debt amount being collected is XXXX dollars and this is not accurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (TN)

Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Velocity Portfolio Group (PA)

Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
Consumer complaint received 2021-01-26
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. (NJ)

XXXX XXXX XXXX  Home Equity Loan. Loan # XXXX Back in XXXX of 2020, I was impacted by XXXX and applied for a HELOC extension in XX/XX/2020, I spoke with both XXXX and XXXX ( representatives at XXXX  ) about the extension and I was told that the application was submitted and I would receive an email. However after waiting for about 2 to 3 weeks I found out that was not the case and had to reapply, which wasted valuable time. 

The email containing the approval arrived on XX/XX/2020 but by that time I was already 34 days late, I found this out recently because I had to pull my credit report due to a fraud issue and found that I was reported late by XXXX XXXX, after having the loan extension agreement in place. 

I have tried calling the customer service center several times, but due to high call volumes and long wait times, I was not successful in actually speaking to someone.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NE)

My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.