davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (VA)

I received a collection account on my credit file for an account with AVANTE USA. After contacting the company, it was sold to them by XXXX XXXX XXXX. I spoke with the representative and settled the account. I asked if the tradeline would be removed from my credit. She advised yes, that it would take up to 45 days to be removed. I paid the amount requested to settle the debt. It has been over 60 days and the account still reflects on my credit file and is showing still unpaid. This is having a major impact to my credit score. I attempted to contact the company again to follow up and the phone number listed on their website is disconnected.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

After being with Capital One MANY years with a high credit line of $ XXXX. On XX/XX/2020, I was notified by the company my line was reduced to {$5000.00}. This was due to having not coming near the high line of credit use. This was done without even permission or notification that this would be happening. I was concerned that this would affect my now XXXX credit score. So approximately 10 days ago I called them questioning if my score would be affected ... .the first customer service rep had no idea, was then sent over to a supervisor, he had no idea either if this would affect my score. So this bank does this without notification or permission to do an adjustment on my card having NO idea if it affects your credit score. My husband and I IMMEDIATELY cancelled both our cards and we have WERE customers they shouldnt want to lose. Aside from that, I have found out that doing this DOES affect your credit score and that is valuable to me. I will attach their notification. Please advise if this is legal and can you do anything about it. 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (CA)

Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number
Consumer complaint received 2021-10-24
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. (WA)

The below story is regarding an incident when Macy 's retail company in error severely damaged my credit score. The situation took place in 2016 and to this day it has not been resolved. My credit score has not improved since. Please help me! I do not know what else I can do. Here are the details : Macy 's damaged my credit score by continued monthly fee charges on my account that was closed back in XX/XX/2016 (! ) via the phone. At that time Macy 's representative assured me that my account is fully paid and closed. 
Shockingly in XX/XX/2016 I received a letter from Macy 's stating that I owe hundreds of dollars! I talked to yet another representative who checked my account and assured me that it was a mistake on Macy 's part, and it will be taken care of within the next 30 days. I asked and received a written confirmation dated XX/XX/2016 ( copy is attached ). 
Early in XX/XX/2016 I discovered that nothing changed on my Macys account and my great credit score was badly damaged by Macy 's reporting of the incorrect & damaging information to the credit reporting agencies. 
In XX/XX/2016 I talked to multiple representatives at Macy 's : Customer Service, Disputes Department and other groups spending hours on the phone over the course of a few weeks. NOTHING has been done so far. The superficial fee is still there and accruing and most importantly, my credit score is still very low.

Every time I called, I had to explain this situation all over again, being transferred from a person to person, being disconnected in about half of the calls. I call again, explain again, suffer bad connection, being put on holds, calls being dropped or promised that the situation will be resolved and asked to call back in a few days. Only to repeat this vicious circle all over again. 
On XX/XX/XXXX I shared my story on XXXX and a Macys rep responded and promised to help. However, nothing has changed, and my credit score have not improved since despite my diligent payment on my utilities and other bills.

Sadly, my story in not rare. Search the internet for Macy 's Credit Card fraud/issues to see other customers stories of suffering. 

Please help me to repair my credit score. 

Thank you!
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/22 XXXX XXXX  transactions were made of {$200.00} and {$300.00} to ( XXXX ) XXXX. The scammer artist took a total of {$500.00} from my account impersonating a relative in need of help.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2018-10-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. USAA.com. 
I am a member of USAA since XXXX. 

When I applied for a Auto Loan with USAA, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %.

It was not affordable to me.

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by XXXX. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a major XXXX in XX/XX/XXXX in XXXX XXXX Hospital for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for USAA Auto Insurance company. 

I request USAA to remove second unjust hard inquiry for auto loan.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ). 
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX  in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too. 
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

At the end of XX/XX/2018, Citibank forcibly closed all my bank account and credit cards without any notice or informe. I have {$680.00} remaning balance in my account can't be withdraw and transfer.I called Citibank customer service line and send them letters as they required many times, but I didn't get any respond. It's already been 3 months, Citibank still didn't refund my money.

In accordance with federal law, Citibank must notify me one month before closing my account, but they didn't.

I earned this {$680.00} by legally and resonable credit card consumption.Therefore, I demand Citibank release my money immediately.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TX)

i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Inaccurate information on the report State driver license number is inaccurate information residence address is inaccurate information based on the Information listed is totally inaccurate information reporting Banking institution failed to corresponding and investigate accurate information to prevent fruad which however believe to be fruad with information being breach
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. All three Consumer Reporting Agencies ( Transunion, XXXX, and XXXX ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report. 
See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly. 

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

AES reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX AES has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through AES and they are federal loans.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian re : XXXX XXXX XXXX. 
I contacted Experian on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that XXXX XXXX is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from Experian along with copies of the communication received from XXXX XXXX XXXX verifying the CORRECT dates. I previously called XXXX XXXX XXXX and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IN)

CBE Group called 10 times in as many days. Only once was there a person on the line, all other times there was no one there. The one person I spoke to wanted confidential personal information from me ( SSN ) and I refused. When I finally tired of the repeated calls, I called back. Again I was asked for my SSN, and again I refused, which got me transferred to a human. That person asked me to verify an address that was not mine, then asked me to verify the last four digits of my SSN which were again not mine. They then said they had the wrong person. CBE Groups inability to correctly identify their debtors gives them no right to call me daily and ask for confidential personal information. They also made me concerned that my identity had been stolen. My phone number is on the federaldo not call list and I have no business relationship with CBE Group, making their repeated calls to me illegal. CBE Group needs to be held accountable for their illegal harassment.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NY)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me. 
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me. 
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me. 
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that. 
Plus, they new my name, address and social security number.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This place calls me all day everday from different spoof numbers. It says porfolio recovery on one of the numbers. The numbers are : 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 XX/XX/XXXX XXXX XXXX XXXX This is just the ones I am reporting, but it is more than that all day everyday.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (OH)

Credit card was closed on XX/XX/2021. Has been paid in full. I have called 3 times to take care of this. They are charging me monthly fees and now late fees 2 years after it has been closed
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I, XXXX XXXX and consumer have new and updated information on XXXX XXXX, complaint XXXX. My complaint was closed on XX/XX/XXXX with the explanation from XXXX XXXX stating that my account is currently in a cease and desist status per my request, which I did not request. They also stated they can confirm they did not receive the required monthly minimum payments that were due during the referenced months of delinquencies and sent billing statements from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that they have confirmed they are reporting accurate information and are declining my request to change the information that's being reported. I did not request to have my account in a cease and desist status nor did I request billing statements for verification. Sending billing statements does not verify the alleged late payments and the alleged debt. XXXX XXXX has failed to provide me with verification of such alleged late payments and alleged debt. Pursuant to 15 USC 1681i ( a ) ( XXXX ) ( A ) ( i ) this information is disputed and this information is inaccurate and can not be verified so it should either be modified or deleted from my consumer report.