davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TX)

Hello- Checkr has reported and given incorrect arrest and court information about me to XXXX. 
I emailed Checkr to correct it yesterday, and have heard nothing. 
Checkr reported that I was involved in a felony assault on XX/XX/XXXX, and had it dismissed. None of that is true since I was not arrested or went to court. It is easy to see if you look up my name in the official XXXX County case search. 
The case number reported was XXXX. And my name is not on that either. 
https : //www.traviscountytx.gov/XXXX I got the background check and was completely surprised that such false information for a felony could be on my record. Please advise me on the next steps, so I can not have this affect any of my employers. 
Thank you.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (FL)

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-25
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. (UT)

XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (CA)

contract date XX/XX/XXXX year XXXX term XXXX XXXX APR 15.2 payment amount {$700.00} amount financed {$32000.00} original finance charge {$17000.00} note amount {$50000.00} The problem is as follows : I made a large payment about four times. I asked them to pay the extra money towards principal. That was never done. i asked them to adjust the extra money and they refused. as you can see it states 15.2 per cent annually, however I found out that I also pay {$15.00} per day which equals {$32000.00} on top of the interest. This is a predatory loan and that amount was never stated when the car was financed. I am asking for the {$15.00}. per day to be credited to my account and taken of the life of the loan because it is predatory.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

The IRS sent my tax return to Chime on XX/XX/2024. I received an email from Chime on XX/XX/2024 that they receive the deposit from the IRS but they needed to verify my identity. They asked for my CA ID and my husbands. They asked for the full copy of our tax return documents. I immediately sent all three. They were easy to send considering I just did this with them a week prior for my CA tax return. However, I still have yet to receive it. Ive called in and done online chat through their app five times since Friday XX/XX/2024. Each time I spoke with a representative they had different reasons as to why my return has not been deposited. When I would provide physical proof of their email stating they did receive it, and the proof from the IRS website stating the funds were released and deposited to Chime, they continued to dance around an answer. Even when speaking with two different supervisors, they keep saying the same things. None of which explains why theyre holding it and when it will be released. I have provided the information they asked for twice now, all of which they have received before. There is no reason to hold onto my tax refund when the documents were provided immediately and the email stated it would be released to my account within hours of submitting. This business is unethical, unprofessional, and honestly hard to deal with. Big businesses like this just arent held accountable the way the rest of us are and its time they are held to the same moral and ethical standards.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (LA)

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear Portfolio Recovery Associates, I am writing to dispute the alleged debt you are attempting to collect from me. I am requesting validation of this debt according to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ).

Dispute and Requests : 1. Debt Validation : I hereby dispute the validity of this debt in its entirety. Please provide the following information to validate the debt : * The name of the original creditor.

* The original amount of the debt.

* The date the debt was incurred.

* A copy of the original contract or agreement between me and the original creditor. 

2. Purchase Agreement : If you have acquired this debt from another party, please provide a copy of the purchase agreement between you and the original creditor. 

I have not received any prior communication regarding this debt, and I do not believe I owe the amount you are claiming. I am requesting that you cease all collection efforts, including phone calls, letters, and any negative reporting to credit bureaus. I need all of the aforementioned items. 


Sincerely,
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (MN)

Opened - XXXX XXXX Creditor Name - University XXXX XXXX   Remarks- Placed for collection Amount - {$240.00} I received a derogatory remark on my credit which is when i realized i have debt collection from 2 years back. I was not aware of the debt ( since it was not communicated, there was an address change and i did not receive any information ). I am willing it pay it off in full right now but wondering if i ca negotiate the settlement by removing my impact on credit score since i was unaware and it was not my mistake.
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I received a Payment Offer flyer in the mail from Jefferson Capital Systems LLC with payment plan options for an alleged {$970.00} balance that is not mine and that I do not recognize. There is no information on this flyer ( attached ) that states how to dispute the alleged debt. 
This is the only mailing I ever received from Jefferson Capital Systems LLC, despite a sentence on the flyer that states : " Nothing contained in this letter changes, or in any way limits any of your legal rights, including your rights as set forth in our first letter to you about this account. '' There was never a first letter!

Jefferson Capital Systems LLC has reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly 150 points, yet Jefferson Capital Systems never provided me with information on how to dispute this alleged debt, which is against the law. 

Thank you for your help. 
XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

In my entire credit history ( 25+ years ) I was late with one credit card payment for XXXX in XX/XX/year> which was paid when I was notified by that company 32 days later. Due to that Citi Bank, who I have four credit cards with and Never missed a payment on any of them reduced my credit line on all four making my credit score drop 50 points. Every time i make a substantial payment on any Citi Bank card they reduce my available credit line to within {$100.00} of my balance making my credit score go down even more. This action on their part is responsible for my credit score dropping 127 points in three months making me appear less credit worthy for any credit transaction. My emails and phone calls were not responded to and i can not get them to reconsider the damage this arbitrary action has and will cause me. 
Can you help me. My credit score was as high when they solicited me for the Citi cards as when they started to eliminate credit lines as I made payments. Their actions have really hurt me with auto and other insurance rates as well. They will not respond to me and keep this unfair action up each month. Please help.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OK)

On XX/XX/XXXX, I was informed by Discover fraud alert system that there are two potentially fraud charges made by my Discover credit card, {$25.00} each, to XXXX XXXX. As I checked and confirmed, they were indeed fraudulent charges, as I did NOT authorize any payment made to XXXX XXXX that day ( or any day, at all ). 
Shortly after that, I was locked out of my account, and had to call Discover Fraud line to unlock online access to my account. At that time, the fraud agent told me I could not do anything yet since the transactions are still pending, and had to wait till they're posted before I can dispute them. Then I got a message saying I confirmed the two fraudulent charges are valid. I assume the message is initiated by the Discover fraud agent unlocking my account. 
Then, once the fraud charges are posted, I disputed them. At first, Discover added temporary credits. However, one of the disputes was resolved AGAINST my favor after 3 weeks, stating that the transaction was valid. I contacted dispute center via chat messages and was informed that someone named " XXXX XXXX '' made the transaction. I do not recognize this person nor authorize any transaction made by any " XXXX XXXX '' at all. The dispute agent said I should contact Discover security team, so I did, and my Discover credit card was closed and changed to a new one ( finally confirmed being shipped to my address a WEEK later- I haven't even received the new card yet ). 
Today is XX/XX/XXXX, and both disputed charges are now REPOSTED on my new credit card account. I'm still being held accountable for those charges that I did not authorize on XX/XX/XXXX. 
In the past, I remembered clearly that I was once a victim of fraudulent charges on my Discover credit card and got my card replaced, but the process was very quick, within a week or two, and the fraudulent charges are immediately cancelled. As a long time Discover customer since XXXX, I was baffled by the change Discover now handle fraudulent charges. I could not overstate how disappointed I am with the current way Discover is resolving disputes. I still want to give Discover a chance to remediate this issue. Mark my words : if the disputes are not resolved in my favor within two weeks ( before XX/XX/XXXX ), I'll start transferring my money to different bank and close all of my Discover accounts.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC (IL)

i have requested my adress to be updated, XXXX  keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX, i have contacted creditor but XXXX  still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I recently received a copy of my consumer report and I noticed this fraudulent account being furnished by National Credit System # XXXX I have never entered into a consumer transaction with this company. According to 15v USC 1692g ( a ) I never recieived a notice of this fraudulent account nor di I ever sign anything authorizing the use of my personal information. I have already filed an Identity theft report and I have requested a freeze on my credit to prevent further fraud from taking place.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have made repeated attempts, on three separate occasions, to notify Capital One that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, Capital One has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with Capital One as soon as possible.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company NCA, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX and XXXX and no action has been taken.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (CO)

In attempting to secure a home equity loan, we learned of a judgement issued from our District court against us for {$4500.00} for Springleaf Financial ( now One Main Financial ). Numerous phone calls to One Main have identified that amount was pain in full, however One Main has not responded to multiple requests to notify the District court of the  release of this judgement against us. The District Court docket number for XXXX County is XXXX. Most recent phone contact with the litigation department at One Main was yesterday XXXX. One Main 's  failure to notify the district court of the release of this judgement is impeding our purchase of a new home which is set to close in the next 30 days.
Consumer complaint received 2020-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CT)

I opened an account with TD Bank Credit Services while purchasing furniture at Ramour & Flanagan in XXXX, CT. The purpose of opening the account was based on the zero percent financing for 12 months. Shortly after opening the account, I attempted to set up automatic payment from my checking account. On at least 4 occasions, I received an email confirming my account was setup for direct payment, however on all 4 occasions, I received a letter in the mail days later stating that my account was rejected. There was no reason provided as to why this was happening. I tried to resolve this multiple times with no solution. What is most puzzling is that I have a separate account for a purchase made from another furniture retailer and have had no such problem. 

After multiple attempts to resolve this, I called the customer service number and paid the account balance off and receive a confirmation number for the final transaction. Approximately 2 weeks later, I received a letter from TD Credit Services notifying me the account balance had been fully paid and the account was closed. A couple of weeks after receiving the letter, I received a statement from TD Bank Credit Services stating that I had a remaining balance of {$35.00}. I did not the pay the balance initially as I received notification that the account was paid in full and closed. 

The following month, I received another invoice for the same {$35.00} charge. I went to my online account to pay the {$35.00} figuring something must have been outstanding. The TD online account took my payment, and then 3 days later rejected my payment. When I finally reached someone to try and resolve the issue, I was told the {$35.00} was for a returned payment, I stated that TD sent me the invoice for the {$35.00} charge. 

I have since contacted TD Bank Credit Services online to try and resolve the issue. I sent all documentation showing the confirmation of the closed account as well as the confirmation number for the balance being paid in full. On XX/XX/24 I received a notice from TD Bank Credit Services stating the payment was due. There was no phone number or email to contact to dispute the ruling. On XX/XX/24 I received a statement now with an amount due of {$210.00}. 

In summary, there is no way to resolve this as TD Bank Credit Services is rejecting my payments from a valid bank account and is fraudulently charging interest on an account that is closed. In addition. XXXX action has been recorded without any possibility to resolve. 

Any help to resolve this matter would be greatly appreciated. 

Thanks, XXXX XXXX
Consumer complaint received 2020-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called into Capital One regarding my credit card at the start of the pandemic XXXX XXXX XXXX citing hardship due to lost wages, since my job was essentially put on hold. When I had called in XXXX, Capital One agreed to waive late charges. My account was in good standing at that point as well. 

Yesterday, I looked at my XXXX score and discovered that Capital One had marked me 90 days late. I called into customer service yesterday XXXX XX/XX/20 XXXX to dispute the fact that they are marking me late on my credit report. I opted to close my account as the Capital One Customer Service Supervisor, XXXX, said he was unable to remove the late markings on my credit report. This has dramatically effected my life as it has dropped my score from XXXX to XXXX!!! I'm in the process of applying for a home refinance and this has effected my score, and likely my ability to refinance!!!!! 

Capital One 's actions and practices are particularly egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. They were notified in XXXX that I was experiencing hardship due to the virus situation, yet can still mark someone late, effecting their credit scores? Absolutely astonishing that a company like Capital One can do this to someone. Capital One should be ashamed of themselves!!!
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

I filed an initial complaint to receive debt verification from Jefferson Capital Systems and I finally received it, however the information received from them is not enough to verify the debt. All they provided was the last 6 months of billing statements from XXXX, and gave no indication of when this debt was purchased and provided no such paperwork.