davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automatic Data Processing, Inc. (FL)

Several calls were made during my work hours. The person identified themselves as a representative from the legal standpoint representing ADP. Their phone number is +1 ( XXXX ) XXXX. They did not tell me which bank or financial institution they were linked with.

The discussion became verbally abusive.

Efforts were being mean to obtain information from me and harass me for money. Clearly a fraudulent scam call several calls for me during mine work hours. The person identify themselves as a representative hired from the XXXX XXXX. They did not tell me which bank or financial institution they were going to wait.

The discussion became verbally abusive.

Efforts were being made to obtain information from me and harassed me for money.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (RI)

I am using a debt collector to help me get back on my feet. I have gotten numerous letters and non stop phone calls from JP Morgan Chase and now they are sending and calling me for the money which I have told them in the past I am consolidating my cards to help myself and they are giving me bad XXXX XXXX and XXXX XXXX. Pkease contact XXXX XXXX XXXX  this is the company helping me out. PLEASE HELP ME STOP THESE PHONE CALLS AND LETTERS.
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

CAPITAL ONE BANK IS SENDING ME MONTHLY STATEMENT WITH MULTIPLE CONSUMER VIOLATIONS. 

ALSO, THEY ARE TRYING TO COLLECT A DEBT NOT OWE BECAUSE I MADE A CONSUMER CREDIT TRANSACTION. 

CAPITAL ONE BANK IS IN VIOLATION OF : FDCPA VIOLATION OF 15 U.S.C 1692b. ( 2 ) FDCPA VIOLATION OF 15 U.S.C 1692b. ( 5 ) FDCPA VIOLATION OF 15 U.S.C 1692f. ( 8 )
Consumer complaint received 2023-01-24
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. (MI)

XXXX, XXXX and TRANSUNION are reporting a charge off for XXXX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-23
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: CORELOGIC INC (NY)

I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Navientwas the loan servicer for my federal student loans between XX/XX/XXXX- XX/XX/XXXX. During which time I was employed in an education based non-profit residency training program. At the timeNavientrepresentatives instructed me to complete forms for deferment/forbearance for my private loans and disregarded the income based loan repayment option for my federal loans. Pursuant to their recommendation I submitted those documents. 

After reviewing my PSLF qualifying payments I recognized there is a gap for the XX/XX/XXXX- XX/XX/XXXX period. I was under the impression my federal loans were in an income based {$0.00} ( XXXX dollar payment ) as it was in XXXX based on my low income. However it is my belief Navient placed both federal and private loans if deferment status which detrimentally impacted my eligibility for qualifying payments under the PSLF program. Had this deferment not been applied to my federal loans I would be closer to federal loan forgiveness under PSLF. 

I understand loan servicers like Navient claim there was a lack of guidance provided by the U.S. Dept of Education during this time and specifics regarding PSLF were not obvious according to them ; fortunately the U.S. Department of Education has provided an opportunity to amend the unintended consequences of this mixup.
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (WI)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2019-05-31
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: CONTRACT CALLERS INC (VA)

My ex-husbands past due amount was reported with my name and I would like to have it completely removed from my report. The collection amount was for electricity for our marital house where I left in XXXX, 2014. Unfortunately, my name was still listed on the account. 

I informed the collection company, Contract Callers, of the fact that the debt was owed by him and provided his address. The company sent him a bill and he was the one who paid the debt. I have called Contract Callers numerous times but they refused to delete it from my report. I have mailed a dispute letter to XXXX and XXXX but XXXX did not provide deletion and XXXX is still investigating. I'm in process of home purchasing and this is negatively affecting my credit score which I'm not able to obtain the best available rate.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hi my name is XXXX XXXX I originally filed a dispute on XXXX XXXX XXXX I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car XXXX XXXX XXXX XXXX XXXX XXXX. It is really important to me and my family that I am able to get this corrected as soon as possible
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. 
I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. I several collections on my account that did not belong to me. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY CAPITAL ONE BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2018-06-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Enterprise Systems, Inc. (IL)

XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. 

I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
Consumer complaint received 2022-09-12
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: CITIBANK, N.A. (CT)

Right to Privacy Your disclosure of non-public financial transactions between XXXX XXXX and myself without my expressly written consent to unaffiliated third parties ( like the credit reporting agencies ). Youre legally charged to safeguard and keep private the nature of our regular and ongoing non-public interactions. Sharing this information on a monthly basis without giving me an opportunity to direct how my information may be used constitutes a flagrant violation of the law. 15 U.S.C. 6802, Gramm-Leach Bliley Act 15 U.S.C. 1681a ( i ) The consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. You are in violation of the law. 

Congressional findings on credit reporting agencies ( 15 U.S.C. 1681 ) state that reporting agencies assumed the role of assembling and evaluating consumer credit. It is not a congressional appointment and is in fact a voluntary reporting system. Youre not legally mandated to report to the credit reporting agencies. Thats a choice. It may be common practice and company policy however your internal policies do not supersede the law. The law does require accuracy of information if you choose to use this voluntary system. Accuracy in reporting is however your obligation but it may not include the transactions and experiences between the creditor and the consumer. Congress has stated that credit is a right and youre using the tenets of this voluntary reporting system as justification to adversely impact, harm and deny my right to attaining creditthis is discrimination. 

Thank you
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning   of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.
Consumer complaint received 2018-06-25
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: Credence Resource Management, LLC (NY)

credence resources I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by Capital One. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted Capital One in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : CAPITAL ONE MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX  ) Capital One gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way Capital One provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide (CA)

A levy in the total amount of {$4500.00} which includes {$120.00} bank fee on my checking and savings acct with XXXX XXXX XXXXXXXX was placed XX/XX/XXXX ( I was not notified prior to or at time of withdrawal by my bank, any other individual or company of this levy ) I discovered my missing funds on XX/XX/XXXX while accessing my accounts for other purposes. After multiple phone calls to my bank and XXXX California courts I was given a court case number and a contact number for Harris and Zide Attorney/Debt collectors who were said to be responsible for the levy. Upon contacting Harris and Zide office I spoke with XXXX XXXX who identified herself as the legal assistant. Upon my inquiry into my missing funds I was told by XXXX XXXX that it was for an XXXX XXXX  account I held in XX/XX/XXXX, that they sent me three letters, one on XX/XX/XXXX to a prior address, another XX/XX/XXXX and XX/XX/XXXX to my current address that I have resided since XX/XX/XXXX, and that I had a judgement from XXXX Courts that was public records that I could refer to. XXXX XXXX then stated that this was also linked to XXXXXXXX XXXX who had bought XXXX XXXX and to another attorney by the name of XXXX. I immediately challenged the information provided as I do not recall ever having an account with XXXXXXXX XXXX and furthermore I have not received any correspondence from Harris and Zide, I could not obtain court information as she stated with the court case number she gave me and stated was public record nor could she provide me with proof of service. 
I believe this to be a scam and I'm not sure what recourse I have without spending monies to hire an attorney to retrieve money from this company. I am sending them a certified letter for demand of return of my money however I believe this office should be aware of this incident and if it is appropriate to please intervene /assist on my behalf to have my money and bank fees returned.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

I have the XXXX credit card and have been enrolled in automatic payments as far back as XXXX which posts as {$29.00} on the first of the month on my statements. I decided to check in on it a few days ago to find that the automatic payments were still enrolled but that the payments are not posting and that I have accrued two sets of late fees. I figured this was the site malfunctioning and that I'd accept the {$68.00} worth of late fees ( {$40.00} late fee on XX/XX/21 and {$28.00} on XX/XX/21 ) and make double sure that both automatic payments was on by resigning up for it on Saturday before due date and that it is connected to my correct and functioning bank account. I attempted to place a one-time payment to completely pay off my balance ( {$380.00} on XX/XX/21 ) but again the payment did not post for either. If I assume I forgot to hit the second confirmation on the one-time payment, my automatic payment should have covered the minimum due. I am now late for this pay period and will be given a larger fine. Customer service does not connect me to real people, and is not structured appropriately for dealing with disputes. I would like to be done with this card, but I must first pay off the balance that is destroying my credit and accruing late fees.
Consumer complaint received 2018-06-22
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. (CT)

My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XXXX ) and continued over the next months as per the agreement. However, in XXXX I was told by XXXX XXXX that they rescinded the offer made in XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XXXX and XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.
Consumer complaint received 2018-06-22
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: SYNCHRONY FINANCIAL (TX)

A company called XXXX reported on my credit report. On their website it stated. Checking your offers will not impact your credit score.  **The process uses a soft credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a hard credit inquiry. This hard credit inquiry may impact your credit score.