davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TN)

Sometime around XX/XX/XXXX I received a call from CBE group requesting identifying information from me. I asked the woman who was a representative working for CBE group that I was in a communal office setting at work, and I was not going to provide that information until I was in a secure area. I requested she please call me again at a time I knew I would be able to share this identifying information. Specifically, after XXXX on any week day. 

Between XX/XX/XXXX and XXXX XXXX I received over a dozen phone calls on M-F between the hours of XXXX and XXXX, and received XXXX calls after XXXX. I was unable to answer any of the calls as I was at work and not able to answer my phone. 

On XX/XX/XXXX I received a call at XXXX, which I was able to answer, but not provide any information ( as specified prior ). I asked the gentleman from CBE group to read me any notes on my account. He said there was one note to not contact me until after XXXX on weekdays. I explained that I had received over a dozen calls in the last 2 week during work hours and requested he call me again that afternoon. He said " I can have you marked as do not contact, is that okay? '' to which I explicitly told him " No '' and explained that was not what I was asking, and I would be more than willing to receive any calls after XXXX on weekdays. 

I was then never contact again and CBE group placed a major derogatory on my credit report. When I called CBE group and spoke to a representative, they informed me I had been marked as " Do not Contact ''.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (TN)

Loan Depot is reporting me 120 days late on an account that was closed when they reported it late. 

The account was closed on XX/XX/XXXX, and they are saying that I was 120 days late in XXXX of XXXX.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of XXXX, XXXX XXXX Equifaxs delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP (IL)

This is the second complaint about the issue. The original complaint ID # XXXX. The bank is Old National Bank, and the account number was XXXX. 

I initially tried to close the account in person, but an action reopened it. Then, when I had it closed additional charges came in to reopen the account. After my initial complaint ( ID number provided above ), a representative from the bank called and worked with me over the phone. However, the account is not closed. I received a bank statement XX/XX/2022. I called the bank ( phone number from initial contact ) to state the account is still open and charging fees. It is now XX/XX/2022 and it is over 4 months since I tried to close this account. ] No one has called me back from the bank, nor has anyone actually closed the account as requested since XX/XX/2022.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (TX)

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CA)

ive paid these charges and since then they have not removed from my credit report file as promised.Also showing as past due which is inaccurate and would like removed.the first late payments listed on this account was wrong and needs to be removed.Never received validation letter on debt.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (AZ)

This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

While buying plane tickets with XXXX, a popup appeared to apply for their XXXX card and get a {$250.00} rebate. Nowhere did it say that there would be an annual fee. I bought and used the ticket and was approved for the card. I recently got the statement and noticed that a {$99.00} annual fee had been added to my bill. I called XXXX at XXXX and spoke with rep XXXX and then XXXX XXXX on XX/XX/22 and they stated that I would be charged an annual fee. I let them know that's not what I signed up for and that's not what their offer specified. I also let them know that their offer on line for a barclays XXXX card SAYS there's a " XXXX '' annual fee ( see screenshot ). My card looks exactly the same as the one on line. They stated nothing could be done and I let them know this was bate and switch and I demanded that the annual fee be erased as that's not what I signed up for. They refused. I let them know I would be paying my bill minus the fraudulent {$99.00} fee.
Consumer complaint received 2018-05-26
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: EQUIFAX, INC. (TX)

I received a letter that says XXXX XXXX ran my credit profile for an auto loan on XX/XX/XXXX. I have not applied for an auto loan since XX/XX/XXXX.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/2021 - I got a credit from " Chase XXXX Marriot '' with the promise that every single point received from my purchases would be transferred to my Marriot XXXX, where I could convert the points into stays at any Marriot or affiliated hotel or resort. More than one year has passed. I earned XXXX points in the past years from the Chase credit card, which was never transferred to the Marriot XXXX account # XXXX ( that shows just and still XXXX points ). Several attempts by calling customer service to both companies to fix that was made, with no success. I just want the points to be transferred so I can redeem the points on Marriot XXXX.
Consumer complaint received 2022-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

According to the stipulations under the Navient settlement my loans should have been dismissed. They have my email information ans phone because they call and email on a regular. But I try to go in and make sure my mailing address is correct and the personal info they have in order to get into the account is wrong. It keeps telling me I'm putting in the wrong social or birth date, so how do I know if they should even be servicing me. They continue to tell me I have to go online to update info but I can't get past sign in page.
Consumer complaint received 2021-08-24
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: ATG Credit, LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! ATG Credit , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance Collection Agencies, Inc. (WI)

My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Skopos Financial, LLC (LA)

I applied for a vehicle Title loan on XX/XX/2022. I uploaded all the documents requested from the company the same day. 2 weeks went by and I didnt hear anything. Once you submit all the documents they state after the upload, they will be in contact within 24 hours. I never heard anything, so I called the company and spoke to a customer service representative named XXXX. XXXX stated I need to upload a new picture of my state ID. So I did and never heard back within 24 hours as stated on their site I would. After you upload all your documents it says we have everything we need we will be in contact within 24 hours. This is false advertisement. 

So I called back on XX/XX/XXXX and talked to customer service representative named XXXX. Great guy but he was covering his tracks. He stated my loan application has expired and they expire within 30 days. I never received an email or phone call by XXXX XXXX during these 28 days. They canceled my application early with no warning. XXXX wants me to reapply because they canceled my application early. Thats another hard inquiry on my credit report that will take 2 years to fall off. They are misleading consumers. 

Since they canceled my application 2 days early without notice or follow up. XXXX tells me that they cant except my vehicle because they think its used for commercial purposes. I dont have commercial insurance on the vehicle nor is it listed as commercial on the registration and insurance. They made this a go to excuse because they made an error by not keeping in touch with me and canceling my application prematurely. XXXX stated that they might change this policy and just to wait 30 days before reapplying. They should put this into a disclaimer before they run a consumers credit report. Stating a list of vehicles that they think are commercial vehicles. XXXX the first customer service representative I spoke with said it was fine. 

This company is trying to cover there mistakes by not following up with customers and misleading consumers applying for title loans on vehicles that theyre stating are commercial vehicles. These companys shouldnt lie to consumers like this. Just deny the loan application and move on. They still have all my personal information at their finger tips. All the documents I sent including drivers license, banking statements etc. They made the mistake and XXXX wants me to take another credit hit on my behalf because of their mistakes. Im considering legal action against XXXX XXXX. Dont use this company for your Title loan.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I received a promotional email on XX/XX/XXXX indicating a promotional financing offer on all new purchases made between XX/XX/XXXX and XX/XX/XXXX. I made several purchases that cleared on XX/XX/XXXX, but did not receive the 7 month promotional financing. 

I reached out via Barclays chat customer support line on XX/XX/XXXX after noticing interest was being charged to my account. The CS representative was unable to offer any APR reductions or offer the correct special financing period as initially indicated in the email.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NE)

I sent a written dispute letter to the EOS CCA with proof of the date of delivery being XX/XX/2022 its been 30 days which is the time they had to respond to the dispute but theyve failed to respond. The amount of the debt is {$700.00}.
Consumer complaint received 2021-08-24
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: WELLS FARGO & COMPANY (TX)

fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons XXXX XXXX WELLS FARGO CARD SERVICE Reported : XX/XX/2021 + {$1100.00} In good standing
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-07-09
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 (MD)

Purchased a new living room sectional couch On XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX for the amount of {$2200.00}. Upon delivery the item being delivered was damaged. A replacement item was supposed to be delivered and an additional charge of {$890.00} was billed to my account 3 times. The Credit card company refused to refund the money to my account and provide a reasonable resolution regardless of the documentation and witnesses provided to substantiate my claim.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (FL)

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. There are inaccurate and unknown items on my credit report that are taking over almost 60 days for a response. I feel as if Im being taken advantage of and my disputes are being ignored.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (TN)

On the week of XX/XX/XXXX I received a phone call from the CBE group requesting identifying information from me. I explained to the representative that I was unable to provide information as I was at work and sit in a communal office. I requested she not contact me until after XXXX, where I would be in a secure location and be able to provide personal information. 

I received over a dozen calls between XX/XX/XXXX and XX/XX/XXXX between the hours of XXXX - XXXX, of which I was unable to answer due to being at work. I was able to answer 1 call on XX/XX/XXXX at XXXX. I confirmed with the gentleman that my account specified not to contact me prior to XXXX, and explained I was, again, in a communal office setting unable to provide identifying and personal information. 

The gentleman asked if I would like to be marked as " Do not contact '' to which I explicitly said " No '' and explained I would be more than willing to provide any necessary information after XXXX to a CBE representative. 

I received no calls after XX/XX/XXXX. I received a notice of " Potentially Negative Activity '' from my bank on XX/XX/XXXX notifying me that the CBE group placed a Major Derogatory on my credit report. I called CBE Group and spoke to an account representative, and she informed me that my account had been marked " Do Not Contact ''. 

I had received XXXX information regarding the alleged debt from the CBE Group and they refused to contact me during times in which I specified I would be willing and able to provide the required personal information to them prior to having my credit report flagged for an outstanding alleged debt. 

When I spoke with the representative on XX/XX/11 around XXXX I requested information be sent to my current address and asked for the major derogatory be removed from my credit report as they had not provided me with any information on the debt, continually contacted me during hours I specified I would not be available, and refused to contact me after XXXX. She explained they would contact the bank and have it removed- which has not been done. 
The major derogatory is still present on my account and negatively affecting my credit, specifically my credit score ( which has historically been very good ) has dropped XXXX points, and has not recovered since the major derogatory was placed on it. 

I have a complete recording of the entire phone call from XX/XX/XXXX and will provide if requested.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.