davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hi yes I have 3credit cards with capital one bank. I keep making payments every month. Trying too get balance lower but stats at over limit??? Like too get help lowering the interest so I can catch up. I'm on XXXX going thru hardship also. Don't Wana have too do chapter XXXX bankruptcy. Don't Wana ruin my credit. Hoping I can work with capital one. And get payment lowered or at least get interest down.
Consumer complaint received 2021-04-29
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. (CT)

I FILED AN FTC REPORT FOR AN 2ND TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON EQUIFAX. ALSO XXXX  HAS AN INCORRECT DATE OF BIRTH FOR ME.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (SC)

A notice of intent to repossess was sent XXXX XXXX, 2016 with date of XXXX XXXX for payment from ( XXXX Byrider- CNAC ) car was a payment behind. The car was taken in the middle of the night XXXX XXXX, 2016 before said date without notice. Owner with the next morning XXXX XXXX, 2016 concerning car, information was given as to want was need to get the car back, the owner complied with the required funds and insurance need. Same day, lender made the owner belief he would get car back, but later came and give a knew requirement after the first was met. Owner had been in dealership all day and at the end of the day told him he would not get the car. The office staff did not communicated with owner properly which cause him great emotional stress ; owner request release of personal property which included his medication and was refused he became very upset and was told to leave the property without his personal property. Day two XXXX XXXX, 2016, owner call office concerning the car telling them he has the additional funds they wanted and was told he will not get the car back, owner has paid over {$4000.00} toward the car. XXXX who is a XXXX time buyer and inexperience in dealing with loan sharks company like ( XXXX ByRider- CNAC ). A request for financial information of payments made and personal property on day two was made and no one informed the owner nor his mother that he need a written notice to get the information and his personal personal items. Owner wanted his mother to pick up personal items because he did not want to go back to the office because of want happen the day before. Personal item was not release. One of the office staff waited until the manager had left and took the paper that was given to mother and destroyed them and refuse to release anything. The customer service and the manner in which this case was handle is not exceptionable. I was told by one of the staff member that XXXX Byrider laws and regulation concerning consumer rights are different then other financial company. It is my understanding that the consumer has certain right also. The owner has missed two days of work because of no transportation.
Consumer complaint received 2023-04-16
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my XXXXights.15 usc1681 section 602a states I have the rights to privacy,15 usc1681 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (IL)

In XXXX of last year, I asked Primary Residential Mortgage , Inc., for a payoff statement. They said they would send one, but I didn't receive it. I have asked again several times since then. Each time they promise they will send me a payoff statement so I can pay off the mortgage, but nothing has arrived.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (CA)

I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either! 
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (FL)

I submitted a letter to Experian, XXXX and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CFS2 Inc. (GA)

In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I took out a debt consolidation loan 2 years ago, I finally got it paid off last month. Ive been overpaying my monthly bill for roughly XXXX months thinking the additional payments were going towards the principle. Unfortunately, the additional payments were taken in interest. I called Upgrade and they told me that I had to call in to make additional payments if I wanted them applied to the principle. My monthly payments were {$270.00} but I paid $ 300 monthly since XXXX of XXXX. 

In XXXX of XXXX, I noticed the additional payment option on their website after paying faithfully for a year and a half. There were several months that I did not have a payment but decided to make a payment to pay the balance down faster. The company is refusing to reverse to the additional payments ( they told me I had 30 days to reverse payments ) that Ive made and they are refusing to refund me. Those additional payments were not principle payments, interest was taken, yet again. Its been 4 months and they are constantly giving me the run around. Is there anything I can do to fight this?
Consumer complaint received 2023-04-16
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. (FL)

I submitted a letter to XXXX, XXXX and transunion to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile
Consumer complaint received 2023-03-15
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: DISCOVER BANK (MA)

I had received an email at XXXX as that's what they have on file in regards to them supposedly just deciding to give me a credit of XXXX when XXXX was the problem... they said it would appear on the next statement but the statement started now. I'm not sure how I can get my rewards statement credit faster than this credit... are they saying it's going to take another month I mean XXXX could have given faster if that's the case
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (OH)

I received a copy of my credit report and am disputing XXXX items that need to be deleted. On XX/XX/2023 an account with XXXX XXXX was fraudulently opened up in my name the balance is {$130.00} On XXXX XXXX an account with XXXX XXXX was also fraudulently opened up in my name as well. I need the items deleted expeditiously. Once again id like to take this time to thank you in advance for your understanding, compassion and most importantly speedy cooperation in this delicate situation.
Consumer complaint received 2022-02-15
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. (IL)

On XX/XX/XXXX I called the following credit reporting agencies XXXX, XXXX and Transunion to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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: Navient Solutions, LLC. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires Navient to remove all late payments from my credit report?
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MO)

Today XX/XX/2020, I received a debit collection letter in the amount of {$35000.00} for an organization ( XXXX XXXX  XXXX ) that I have never had a loan with.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Some of my checks were stolen from my mail box, One check was washed and rewritten with different signature and different type of writing and first national bank doesnt want to be responsible for this problem although the checks were cashed at XXXX  XXXX XXXX in New Jerseys but they dont want to be responsible I being trying to collect my {$2300.00} dollars but again they dont want to pay back my money!! 
Thank you for your help. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION (TX)

I've had different loans with OPORTUN and never had a problem. This current loan has to be paid on the Friday that I do not get a pay check. I spoked to them and they said it can't be changed, that all I could do was to make an upfront payment, which I did so I wouldn't be waitinf till the next Friday to make the payment ( {$110.00} ) but now they say that the " upfront '' payment I made wasn't taken as that, instead it was taken as an extra payment, so every 2 Fridays I make my payment, and it's late. 7 days late, wich really isn't as I made that upfront payment precisely to avoid this. So, when my payment is due, at the next Monday ( 48 hours past due ) they start calling 4 times a day and send me several text messages and emails, I've told them what happend, they say they can not count that payment as an upfront and that I need to make regular payments as that one was taken as an extra one. I've told them to stop calling as many times as they do. I was once at the XXXX  XXXX XXXX XXXX and I tols the lady and 2 hours after that they called again, I replied to a message telling them I was going to fill a report and they said they would add a note, then today when they calles I told them I was going to fill a complaint about their calls and they said they will be waiting for my lawyer 's call, as if she was making fun. I can't deal with this anymore and is not like I'm not paying, I just have to do it like I tried to tell them, fix my payments due date to the Friday that I receive my paycheck and they say it's impossible and even though I gave them that upfront payment, they say they can not count on that as a regular payment in advance. I am so tired of this, this is extreme harassment, 48 hours past due and they start with their messages, emails and calls. I need help.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX / 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, thank you.
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (ID)

I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.
Consumer complaint received 2016-02-01
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding XXXX XXXX XXXXXXXX XXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and LVNV Funding with my signature, then this must by law come off my credit. Ive written over 15 letters.