davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

I have ask this company to provide documents that shows I owe them money or been in business with them but they have failed to provide such documents. they jus claim that the information is verified but have failed to provide proof.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom Credit Card -- Received statement XXXX 2020 that contained a late fee of {$27.00}, though I had sent it in over a week previously. Contacted Nordstrom credit in XXXX to have the late fee removed, and signed up for AutoPay to have my entire balance paid off each month when due. 
I received a printed statement in the mail for the period XX/XX/XXXX to XXXX XXXX, 2020, due XX/XX/XXXX, 2020.  However, when the payment was due on XX/XX/XXXX, I looked online to see that my the bill had not been paid through AutoPay, so I phoned the credit card services and entered information to pay it electronically. However, I received a phone call from Nordstrom Credit Services, and the person at Nordstrom credit services told me my electronic payment didn't go through, my payment was overdue, and he had me make a payment through my bank debit card. He told me he would call the next time my payment was due to let me know if all was well. He then left me a phone message on the due date of XX/XX/XXXX2020 that said everything was OK with my account and AutoPay. Today, XX/XX/XXXX20 I received a printed bill in the mail that showed both the XXXX and XXXX due payments had not been paid from AutoPay. We phoned, asked to talk with a supervisor, who wouldn't listen to me telling her that no payment had yet been processed successfully through AutoPay. My husband, whom I authorized to speak, read her the check number once again ( this had already been checked twice before ) and verified it was the correct number I entered into AutoPay. She would not admit any mistake. Because this has been an ongoing, unsuccessfully dealt-with issue, my husband paid the the balance off in full on the phone with a credit card and closed the account, per my instructions.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This complaint is opened because the company closed the previous complaint, # XXXX, without resolving either of the issues I asked to be resolved - while lying to CFPB and me by saying they had, as can be seen by the screen shot of my app, attached. I have no access to either of these lines of credit. This feels like psychoterrorism designed to waste our time. We want both lines of credit restored as well as access to them.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank has closed two accounts that were in good standing. They claim it is because my credit score dropped a bit. Both of the accounts had a {$0.00} balance. Looking at complaints made on social media XXXX XXXX and XXXX XXXX, they seem to close accounts or cut limits within 2-3 weeks of the account reaching a {$0.00} balance.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion customer service would not help and take care of the Unauthorized negative inquiries reporting to credit report. 

Unauthorized inquiries desired to be deleted XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX National Credit Cards/Airlines Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX   XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I have no idea why Chase keep on rejecting my credit card applications for no good reasons. I have a credit score of XXXX and never been a single late payment. I had this offer for XXXX XXXX credit card with {$70.00} cash back via gift card. I Applied but rejected by Chase. 
Reached out to Chase multiple times - calls are getting dropped. they sent some online letter but i have no idea how to access it.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

First contact from " collection agency '' Natrional Credit Systems, XXXX XXXXXXXX, XXXX XXXX XXXX was a letter dated XX/XX/XXXX. 
Letter stated they were collecting a debt for " The XXXX Apartments '' I did at one time live in The XXXX Apts., however I moved out on XXXX XX/XX/XXXX, having paid rent through XX/XX/XXXX. 
Until I received the letter from National Credi there had been no contact made with me concerning any " debt ''. 
National Credit claims they are attempting to collect a debt in the amount of {$1800.00}. No explanation gives as to what the debt concerns?? 
Also, National Credit has already reported the debt to all three Credit Bureaus, without any previous contact with me to resolve the situation. 
I have also filed a complaint with the XXXX  Atty. General regarding this " case ''. 
I have researched XXXX Credit Protection Laws and can find NO documentation that National Credit has filed a Surety Bond allowing them to do business in XXXX ...
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through Chrysler Capital to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.
Consumer complaint received 2017-06-04
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. (PA)

I  XXXX   XXXX  file a CFPB complaint as I believe that  XXXX   XXXX   XXXX  is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My  XXXX  credit report shown my firs t 30-day l ate payment f or  XX/XX/XXXX  . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  XXXX  account would come off   XX/XX/XXXX .   XXXX  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe  that 7-year r ule would already apply and that the  XXXX  account should already be removed. Accordingly, I will be satisfied with  a  XX/XX/XXXX  remova l date. The Equifax credit report has cut off the same six-years of payment history, and shows a beginning date of   XX/XX/XXXX . T he  XXXX  credit report showing   XX/XX/XXXX   is acceptable, and I need verification from  XXXX   XXXX    XXXX   that the account information will be remove   XX/XX/XXXX .
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove XXXX XXXX, XXXX.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XXXX and paid for it with XXXX using Capital One Quicksilver visa card ending in XXXX. 
XXXX Item Id : XXXX, Transaction Id : XXXX. XXXX Transaction ID : XXXX The original listing claimed the item was open box/customer return and under manufacturer warranty. The item I received was tempered and the XXXX XXXX XXXX was swapped with a 750GB used hard drive inside the enclosure. I contacted Capital One and disputed the transaction. The seller XXXX updated item description and changed the item description to not working/no return. Capital One closed the dispute in seller 's favor based on the non-working description which was added after I made the purchase. 

The XXXX item after description was changed https : XXXX? XXXX & XXXX XXXX History for this item XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item revision history clearly shows on XX/XX/XXXX after all 50 items were sold, seller modified item description and title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very disappointed to see the seller dglet was able to get away with $ XXXX fraud ( 50 transactions at {$79.00} ~ {$89.00} per item ) and no action was taken by XXXX/XXXX/credit card company. From reviews I can find online the same seller has been involved in this type of fraud for years XXXX XXXX XXXX XXXX XXXX XXXX " This reseller bought to seagate a bunch of hard disks without warranty and he advertised as with warranty. I made the mistake to buy 1 as it is advertised " As good as new '' It came faulty, he refused to help, he asked me to call XXXX XXXX. I called and gave serial number, they confirmed that item was bought without guarantee from XXXX as a product faulty that may work, but not guaranteed. I have email from XXXX  that explained that this item has no warranty, but seller still insist that it has warranty with manufacturer and he refuses me to send it back and to pay the postage back. I feel cheated after call XXXX as they explained that this product I bought is the lowest category and they sell for little money to resellers so they can sell them for spare parts or fix them. I think this seller should go to jail as he is cheating people. I lost XXXX dollars, XXXX will not cover unless I pay international postage that can cost around 50 dollars. Seller knew he was selling faulty products, advertised that they had warranty. For me he is a criminal '' Attachments : XXXX order confirmation -> ORDER_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card statement -> XXXX XXXX Transaction confirmation -> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LHR Inc. (GA)

XXXX XXXX XXXX Ga billed XXXX. I contacted the facility where the procedure was performed XXXX XXXX and complained about their failure to disclose to me the estimate.. I was contacted by the facility patient advocate who said they would contact XXXX XXXX and ask them to hold the bill while I get these issues resolved.. I also spoke with the billing department on a couple of occasions.. I filed two appeals with my insurance and on XX/XX/XXXX I spoke with My insurance co who said they were sending checks for all of the undisclosed estimate.. XXXX check has been processed. I have no debt owed.. 
I received a call XX/XX/XXXX from a debt collector. I told him basically It was my belief XXXX  was holding the bill for me and I filed 2 appeals it took some time however my insurance is covering the cost and I dont owe anything.. 
The debt collector then said when an insurance company dont pay its the patients responsibility. I said I realize that but I dont owe anything now. He then said Im just going to report it to the credit bureau then he hangs up the phone.. I tried to call him right back phone rings no one answers l called twice.. I reached out to XXXX the person said we havent called you today.. I asked for a supervisor she said it will be 48 to 72 hours for them to respond.. At the end of the day I called The debt collector back for their information. I asked who called me this morning he said I did. I asked what is your name he said XXXX XXXX, I asked to speak with his supervisor, and he said I dont have one. I told him I will contact XXXX, who is your contact person there? He said I dont have that information and Im terminating this call and he hung up..
Consumer complaint received 2018-07-01
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. (UT)

I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.
Consumer complaint received 2020-08-21
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. (KY)

ihad a XXXX  account and had incorrect bal on it i filed dispute on balance with transunion and just an hour or so it notified me outcome they deleted my XXXX  account which caused my score to drop 108 points i called transunion and waited over an hour to talk with someone they insited they could not put it back on my account once they took it off advised me to contact XXXX  i did and XXXX  told me they only report to beraurs they cant put it on that transuinon would have to do it i got back in touch with transunion they gave me run around asked for copy of ss card and drivers liense to be sent i did still no change so i filed dispute with them and no word or comformation of my filing ti has really hunt me i want it fixed i didnt do it it was there mistake but dont admit it just fix it they dont care at all please help me
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

I have received notices from a Dept collector company in attempt to collect a debt. The company placed a debt on my credit report I have never received a notice from them, not one. I called the agency to inquire about a negative activity report by them on my credit report the original date XX/XX/2014. I was told by the agency they placed a lien and a judgement on me for a debt. I asked her if there was a charge off she stated no. I explained to her the card had been stolen and there were unauthorized charges made to the account she preceded to tell me that she knew that and sent me another collection notice a week later. I did ask them not to contact me again cease all communications and the still contacted me via mail.
Consumer complaint received 2023-01-31
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I've contacted Navient in the past about the amount of the student loan they claim I owe. I've never received the amount they claim I owe in education benefits, they can not produce a contract with my signature stating I agreed to that sad amount, recently I was informed Navient is transferring the student loan to XXXX, I never consented to this contract and I reserve all my rights concerning this matter, there was a lack of consideration based on the pretense that I owe this student loan. I never received the amount Navient claims I owe. I believe that is called fraud.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. 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 on time as they should be.
Consumer complaint received 2020-08-22
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: DISCOVER BANK (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.