davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I received a potentially fraudulent letter in the mail from this law firm. Apparently HUNDREDS of other people have as well, and they have hundreds of complaints listed on the XXXX website from people complaining about the same fraudulent tactics. How does this firm still have an XXXX XXXX XXXX rating with the XXXX? Ridiculous. Here 's the email I just sent to them, which includes the details : " I received a " WARNING : YOUR LICENSE MAY BE SUSPENDED '' letter in the mail from your firm, claiming that I owe {$380.00} to XXXX XXXX XXXX XXXX of 2019. First of all, I was nowhere near XXXX the entire month of XX/XX/2019. I keep immaculate records in my calendar. Second, I did a search for the citation number you gave me on the XXXX XXXX XXXX Your citation number isn't even in the proper format. I also did a search for open citations based on my name ; none could be found. Therefore, I immediately demand you provide me with proof of this supposed citation, including the make/model and license plate number of the vehicle, the exact date and time of the infraction, and any other supporting information you have available. I will, in the mean time, be investigating your firm for a possible fraud report to the CFPB and XXXX Attorney General 's office. Good day. '' I would like you to investigate this firm thoroughly and if possible file a criminal complaint with the XXXX of Florida. Possible class action. I have already filed a complaint with the XXXX Case number is XXXX XXXX complaints : XXXX XXXX XXXXXXXX Over XXXX reviews, and they have XXXX out of XXXX stars and it looks like at least some of the ones who are over XXXX star are mistakes.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have paid down these accounts XXXX I have disputed all of them on XXXX, capital one has updated, but did not reflect on the other two credit bureaus. 

Capital one reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX. The total price was given en route to the dealer despite having multiple calls prior XXXX. The grand total was {$13000.00}. I paid {$8000.00} in cash, {$5000.00} on personal check and the remaining $ XXXX on a credit card. The salesman told me my social was needed for DMV. He then used it to run a soft credit check which in fact was a hard inquiry. A policy the dealer has when using personal checks. The salesman told me he would drive me to the bank to avoid using the personal check and credit card and then within 1-2 minutes came back and said they already ran my credit. This is fraudulent and a horrible business practice. I spoke with the manager who only offered a solution of an apology and they will re-train their salesman. No consolation for me. Im applying for a mortgage and my score has dropped which means I have to pay points to get my rate back.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX. The total price was given en route to the dealer despite having multiple calls prior XXXX. The grand total was {$13000.00}. I paid {$8000.00} in cash, {$5000.00} on personal check and the remaining $ XXXX on a credit card. The salesman told me my social was needed for DMV. He then used it to run a soft credit check which in fact was a hard inquiry. A policy the dealer has when using personal checks. The salesman told me he would drive me to the bank to avoid using the personal check and credit card and then within 1-2 minutes came back and said they already ran my credit. This is fraudulent and a horrible business practice. I spoke with the manager who only offered a solution of an apology and they will re-train their salesman. No consolation for me. Im applying for a mortgage and my score has dropped which means I have to pay points to get my rate back.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (MA)

Due to the XXXX XXXX XXXX XXXX, I requested a mortification from PHH Mortgage Co. However, the company keeps asking for the same information that I have already submitted. They are also making false claims against me. Since XXXX of this year, they have been harassing me. 

Even when I submit the required documents, they still find other incorrect information. For instance, they have accused me of having a business and renting out my property, which is not true. Now they want me to defend myself by writing to them and denying these baseless accusations. They also keep asking for more bank statements, which I provide every month. However, they never respond within the promised XXXX business days. 

I approached them for help, but they are treating me unfairly. I have been their loyal customer for XXXX years, and I don't deserve this treatment. I need assistance, but I don't know what to do.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Dispute of Inaccurate Account Information - Not Mine Dear Cfpb I am writing to dispute the accuracy of certain account information on my credit report, as I have identified an account that is not mine. Upon careful review, I have determined that the following account does not belong to me : Creditor Name : XXXX XXXX Account Number : XXXX Date of Opening : Not Available Inaccuracy : Not my Account Incorrect information I request a thorough investigation into this matter and the removal of the inaccurate account from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and rectify inaccurate information. 

Please provide written confirmation once the investigation is complete and the inaccurate account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I discovered unknown Collection account on my credit report from Portfolio Recovery I mailed letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports repeatedly and no change to credit reports. Portfolio Recovery did not notify credit reporting agencies I was questioning validity of debt I mailed another letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports and no change. Did not notify credit reporting agencies I was challenging validity of debt. 

Also have strong reason to believe contacted a distant family member my phone that resides in a separate household that I have never resided in or cohabited with. 
Results wanted. 
1. Immediate validation of debt and notice to credit reporting agencies I am requesting validation 2. Fine Portfolio recovery for failing to respond to debt validation request ( s ) 3. Fine Portfolio recovery for failing to notify credit reporting agencies of my request for validation 4. Discovery of all Portfolio Recovery activity regarding my account including but not limited to : written letters, internal company email correspondence, received scans of my validation request letters, phone numbers called regarding the alleged debt, and all records regarding validity of debt. 
5. Investigation in to business practices of Portfolio recovery and notify US Attorney General you are investigating and notify all states Attorney General that you are investigating company
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One, I am writing to express my disagreement with the inaccurate information provided in your recent letter dated XX/XX/XXXX, regarding my account with Capital One. It has come to my attention that the information being reported on my credit reports is still not accurate, specifically regarding the dates and payments associated with the account. 



Firstly, I would like to reiterate that I personally closed this account in XXXX of XXXX and made payments due to financial reasons. However, I am currently unable to access my Capital One account and retrieve any of my old records. Despite this, I have noticed that Capital One has been reporting late payments on my credit reports when this account was closed. When I contacted Capital One in XX/XX/XXXX, I was informed that there was a balance of {$250.00} I believe that this balance is less than {$400.00}, taking into consideration any late fees or interest that may have been added. I also send verification forms to be filled out by your company on XX/XX/XXXX, and I never received them back for verified of the correct debt. 



Furthermore, I would like to emphasize that the last payment recorded on your file is incorrect. the last payment was made in XX/XX/XXXX. I kindly request that you update this information accordingly you still were falsely updating an account that was closed by me not by your company. 



Additionally, I would like to draw your attention to the statute of limitations on debt in the state of Pennsylvania by law as per my understanding, the statute of limitations for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc., is four years. The last usually runs from the last payment made on the account, which was in XX/XX/XXXX, not XX/XX/XXXX. Therefore, if this account is indeed past the seven-year mark, as it is now XXXX, Not up 7 up to 10 years I kindly request that this old debt be deleted from all three credit bureaus as well Additionally, I would appreciate it if you could provide me with more comprehensive proof of payment history and records attached to the account, rather than just a letterhead with dates, just because you provide a letter head doesn't mean your company information is correct or valid. Thank you for your attention to this matter. I trust that you will promptly address these concerns and rectify the inaccuracies on my account. I look forward to receiving a response from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-08-14
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. (GA)

I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : 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
Consumer complaint received 2020-05-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One has a charge by XXXX XXXX XXXX XXXX on XX/XX/2020 I had this issue before with Capital One with this XXXX XXXX XXXX in which my card was replaced so i would like to no how they got the new card that was replace last year account number.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WI)

I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NC)

I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card As it states clearly, quote as below : " Every eligible net {$1.00} spent equals 2 Reward Points No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. 

I never heard of anywhere or was told that the reward points would expire, so I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past years a total of XXXX points of mine expired in 6 times. 

I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My XXXX  credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to AES/PHEEA, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX  XXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

Home Depot is charging me unfair finance charges every month. I have {$600000.00} ready to pay and the bill is {$6000.00}. Everymonth is unfair charges of {$120.00} and {$110.00}.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a grant from the XXXX XXXX XXXX for the Covid-19 Disaster Relief on XX/XX/XXXX. I went into the Chase Bank in XXXX, CA and asked to withdraw some of my funds. I feel the teller discriminated against me because I am XXXX XXXX. The teller called someone for verification, called management, said needed to get more bills, and whatever else she could do to stalled completing the transaction for over 15 minutes. From my knowledge I do not have a daily withdrawal amount so I'm not sure why this transaction would be any different. I don't know why this teller chose to harassed me besides that I'm XXXX XXXX. I have been banking with JP Morgan Chase for over 5 plus years. I've never had an issue with banking here. The following day XX/XX/XXXX I was told Chase was going to close my account and send the grant back to XXXX along with another pending transaction.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IN)

My mortgage is showing as being in forbearance with Wells Fargo on my credit report. I was never given an explanation of the status. I just went on the website and requested the assistance due to COVID, even though I have continued to make the payments. I called on XX/XX/20 and requested that it be removed from my credit report and it is still showing. 
I want it removed & I want the unscrupulous tactics addressed.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One repeatedly and unreasonably continues to deny my requests to increase my {$750.00} credit limit on my Quicksilver card ending in XXXX. On XX/XX/2024, Capital One denied another request in just a few minutes. Their letter says I don't use the card enough which is patently false. I use and payoff this card regularly. My credit score is nearly XXXX. My credit reports have no negative reports whatsoever. Other credit cards have started me with limits over {$6000.00} and granted my credit limit increase requests. But, Capitol One Quicksilver will not increase my credit limit one penny above the initial {$700.00} limit set when I received this card. I believe Capital One 's stated reason is pretext for unlawful XXXX discrimination because I am completely XXXX from working and my primary monthly income source is SSXXXXI.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.
Consumer complaint received 2020-07-04
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and XXXX has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the TransUnion and XXXX has.my date of birth is XX/XX/1981 XXXX has it XX/XX/1981 its wrong. 
TransUnion has my employer direct deposit and XXXX has XXXX and that is wrong need to be updated. 
XXXX  # XXXX original balance is wrong has {$10000.00} for XXXX and {$5300.00} for XXXX the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX  # XXXX open dates are wrong on tranunion and XXXX and needs to be removed. 
XXXX XXXX # XXXX original balance is wrong on TransUnion {$800.00} and XXXX is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on TransUnion and XXXX shown XXXX different dates and need to be removed of my report.also the past due is showing XXXX different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing XXXX different dates TransUnion and XXXX and report dates are both off and needs to be removed off my report. 
XXXX # XXXX loan terms are showing XXXX different years on TransUnion and XXXX. Reporting dates are both wrong on TransUnion and XXXX and needs to be removed off my report. 
XXXX XXXX XXXX  need to be removed courts does not send any data to credit agencies and need to be remove due to privacy