davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TriVerity, Inc. (MN)

XX/XX/2022 Debt collectors name is XXXX XXXX from TriVerity or CU Recovery. Yelling at me and using profane words such as saying I'm trying to " swindle '' or dodge the debt which was charged off 7 years ago. Did not provide me with XXXX XXXX XXXX XXXX finance department phone number. Said she talked to them about it but wouldn't let me communicate with them. There is an lien on an old car loan which I am trying to pay XXXX XXXX XXXX XXXX for so I can get the lien released. Will not provide proof of what the finance department at XXXX XXXX XXXX XXXX is saying. Also, tried talking to finance department at XXXX XXXX XXXX XXXX and they haven't reached out to me. They have been treating me like a criminal when all I am trying to do is talk to a member of XXXX XXXX XXXX XXXX XXXX finance department. 

XX/XX/2022 XXXX XXXX from TriVerity called me and asked me if I am taking the issue personally which I am not. I just told her I would like to speak with someone higher up. She said her supervisor will give me a call back. Yesterday she told me that wasn't an option and that I need to speak with her about it. 

About 6 months ago I talked to a XXXX XXXX from CU Recovery/TriVerity and he told me I could come up with {$1800.00} to pay the lean off. He doesn't work there now anymore and now they are saying I need {$2700.00} to pay the lean off. XXXX XXXX is denying that he said that. All I am trying to do is talk to someone higher up than XXXX XXXX and I haven't been able to. I asked her for proof of what she is saying about what the XXXX XXXX XXXX XXXX XXXX department is saying to me and haven't received any. I'm just trying to talk to someone from XXXX XXXX XXXX XXXX finance department and she is not letting me do that. I don't even know if what she is doing is legal. I have been trying to reach out to XXXX XXXX XXXX XXXX finance department and haven't been able to yet. This is over a charged off debt from about 7 years ago that has a lien on it. XXXX XXXX XXXX XXXX is also not letting me talk to the finance department team. They keep telling me I need to talk to XXXX XXXX. 

Her phone number is XXXX. Or XXXX. 

Thank you!
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NY)

Company : Credence Phone number : XXXX ( XXXX ) XXXX Date & Time : XX/XX/2022, XXXX I do NOT owe this company any money, never even heard of them, and I have no debt! They keep calling and when I answer they hang up right away! Straight out harassment!
Consumer complaint received 2021-05-20
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)

XXXX credit card account was charged off and sold to collection agency " XXXX XXXXXXXX XXXX ''. Account was settled and paid in full. XXXX XXXXXXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but XXXX will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (MA)

ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

RE : Citibank, N.AXXXX, XXXX South Corporate Place, XXXX XXXX, SD XXXX CitiBank Costo Card  My account closed in XXXX of 2021. 
I need my statements for the XXXX XXXX. 
I originally called for my statements on XX/XX/XXXX21. 
The rep stated it would take 14 days. 
I called 15 days later and the rep stated it would take 30 days from the original call. 
Now when I call to get a letter or email to show the XXXX XXXX the extended timeframe the XXXX department for Citibank states they can not share that and stated it can take 30-60 days to receive a statement. This is delaying my XXXX and may cause XXXX XXXX if I do not provide the statements. 
The reps will not allow me to speak to supervisor. Every time we call the supervisors are " busy '' and will be 30-60 mins to speak with someone. The reps do not allow us to hold.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (OH)

Companies involved : Merchants and Professional Collection Bureau ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and XXXX, XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX ) I received a debt collection notice from Merchants and Professional Collection Bureau , Inc. that said I owed money to XXXX, XXXX. I never purchased goods or services from XXXX XXXX and was never contacted by this party with regard to any outstanding balances on purchases I did not make. My credit card information had been stolen some time ago and used by XXXX XXXX XXXX My credit card issuer was able to quickly verify that the those charges were fraudulent, so any attempt to collect on fraudulent charges. I believe this is another attempt by XXXX XXXX to commit fraud and/or allow a third party to fraudulently obtain financial information from me. 

Also, the communication appears to contain a " threat '' to report a debt that does not exist to the three credit reporting bureaus even though the amount in question is below a dollar threshold that would actually be relevant to those bureaus. In other words, the letter is cleverly structured to convince me to pay an amount that is trivial to avoid a scenario that won't actually impact me because the amount is trivial.
Consumer complaint received 2020-10-16
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: JPMORGAN CHASE & CO. (NJ)

I have a loan with JPMCB CARD, XXXX, and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX, and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-19
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. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Capital One. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-10-16
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: Global Lending Services LLC (PA)

there was an injury on my report that was placed well over 60 days ago. I reached out to the company and to have them remove it because I did not authorize it but it is still reporting. I also reached out to all the bureau 's and nothing has been done. Even though I sent information from my credit report they said it wasn't enough information to prove there was inquiry. However, the inquiry still remains.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Collection Systems, Inc. (AZ)

Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I see multiple 30 & 60-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 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (MI)

I had a car loan and the company told me they received the pay off check after it was totaled out. I paid several months for a car that was no longer in my possession and they marked two payments late because of the miscommunication between the bank, my insurance company, and the gap company. The bank reimbursed me for my car payments made after they received the pay off check as well as the late fees but will not remove them off my credit.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.
Consumer complaint received 2016-05-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo is FRAUDULENTLY sending communication via regular mail. 

The date they print on the letters is NOT the date they actually SEND the letters. I have found many cases that they are mailing letters XXXX 10 days LATER than they are printing the date on the letters. This is FRAUDULENT as many times they expect a response within a certain # of days from the date of their letter. They are BACK DATING the letter or failing to mail it for MANY days. 

This causes a lot of trouble for people like me.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Hunter Warfield collected payment from me when the collection was deleted from my credit report. I asked for a refund and they refused to send me a refund. A representative from Hunter Warfield informed me that they sent a notification to delete the items from my report but that was not true. There is also no written record of this. I sent a dispute to XXXX and after the investigation, XXXX delete HHunter Warfield from my credit report. I am requesting a refund for the amount of {$1100.00} that was paid on XX/XX/2018.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called XXXX XXXX XXXX and their website is : XXXX : XXXX Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX  In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Amos Financial LLC (FL)

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX  on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX  and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

Hackers hacked my chime account on XXXX the of XXXX I disputed the claims with chime they denied them two unauthorized purchases was made with no id number tracking number or confirmation number they hacked my accounts by sending code to my phone while I was asleep then proceeded to change it to there XXXX number they entered my account moved money from checking to credit builder then back to checking where they used an online card number to make unauthorized purchase the purchase are not in my name nor sent near a state that I live in I reopened the dispute and I'm having a hard time getting any answers and I'm still in the negative with the money stolen