davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a complaint about 10 days ago with this office a day or 2 after filing the complaint I received a phone call from a rep in the executive office claiming that she wants to help me, but the fact of the matter is that even after waiting my time with her for hours repeating and explaining my issues as well as she admitting that they were wrong she wasn't able to resolve this issue and just continuing to waste my time with flawless resolutions back and forth which are fruitless and non sense while she is aware of the non sense. Other than wasting my time and their time nothing is moving, they don't feel sorry enough to rush it or do something at least to prove that they are taking responsibility on their failures.
Consumer complaint received 2020-04-22
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, transunion, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a hard inquiry from XXXX XXXX from XX/XX/2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.
Consumer complaint received 2016-08-12
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Meade & Associates, Inc. (OH)

Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (IL)

Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. 

I do n't know this company or any of it affiliates.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (TX)

XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.
Consumer complaint received 2017-01-25
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (CA)

I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

XXXX I use PayPal in order to run my online XXXX XXXX. PayPal is required in order to sell clothing on XXXX which is what I do. None of my clothing could be considered counterfeit or anything that would be considered a violation since I make a good portion of my clothes! I logged on to PayPal in order to get my {$800.00} that I have stored in there from my shop, and it is telling me that my account has inconsistencies with the user agreement and that I am no longer able to use that PayPal or create a new one. I need the money that is in that account relatively soon and I also need to have that account in order to maintain selling my clothes on my shop. PayPal is of no help and has not helped me whatsoever.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

Refer to Case number XXXX I sent in a complaint regarding XXXX XXXX with a car loan. Last week I found out that Nissan of XXXX XXXX, Wi put through 10 banks for the loan on the credit bureaus which 9 of the loan requested was denied. So I have 9 rejections on the credit bureau that wo n't clear for 2 years which will bring my credit rating down. They should have told me the loan was rejected in the first place instead of trying every bank in the state. This was uncalled just so they can get there commissions and who cares how much damage I do to the customer. Also my brother XXXX XXXX was supposed to be the owner of the vehicle and I was suppose to be the co signer on the loan which never happened. But also they tried to put XXXX credit through 6 banks which was rejected so 16 times they submitted our credit to several banks which was all rejected except one. This is totally uncalled for.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC. (KS)

Check into Cash XXXX have started to call my neighbors and their caller ID clearly showed Check into Cash, XXXX. They have requested my neighbors contact me. My neighbors were clearly embarrassed to do so. Although I have not lost my car yet I know that they want a very good car they loaned on the cheap. I am XXXX ill and over the last month have been extremely XXXX XXXX bills take precedent over a 179 % loan at this time. I had informed them that making a XXXX mile round trip was at times going to be impossible and was informed " we only accept cash payments ''. The pressure I am under beyond description. I have already, in interest payments alone, paid them more than what I borrowed. I just will not end.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (IL)

I have repeatedly tried to get my free report from Experian. 
Two times in XX/XX/XXXX, the agents just wasted my time reading questions that already appear online and said that my answers don't match. This is only possible if they have made mistakes in their data. I have successfully used XXXX  and XXXX  online. 
The experian online free report ( via XXXX ) always says " we are sorry ''. I have treid this multiple times. The last time this happened is XX/XX/XXXX.
Consumer complaint received 2020-08-19
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: Rocket Mortgage, LLC (TX)

I contacted Quicken Loans to ask questions regarding a refinance of my home. At no time did I give them permission to run a credit inquiry, we were just talking preliminary numbers and they ran a hard inquiry. I have spoken to XXXX XXXX, A Resolution Advocate since XXXX and he has assured me many times that they would have it removed since they had no permission to run it. I made contact AGAIN on XX/XX/XXXX and was told that the removal depends on how quickly the credit bureau removes the inquiry. He assured me in XXXX that it would be removed immediately. Given the fact that I never gave them permission to run a credit check on me, I feel that they should have corrected the problem immediately. I can provide a copy of all email if necessary.
Consumer complaint received 2022-08-04
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. (WA)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. US DEPT ED Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2021-03-23
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. (TX)

Experian credit reporting is reporting false information on XXXX accounts on my credit profile. The are reporting me XXXX days late XXXX  times in a row right after a XXXX day late payment on account listed XXXX XXXX XXXX. Now me, experian the cfpb and the FTC knows thats the credit reporting should go as XXXX c/o. 
Not XXXX c/o. That is in fact an error and need not only to be corrected but removed off my credit profile for incorrect information giving a false representation of my character because XXXX I was never more than XXXX days late XXXX time in XX/XX/XXXX  and thats the only time I was late for that account. 
Also Experian is reporting me late on XXXX XXXX XXXX XXXX account I was never late. Please make them follow the law because they are not.
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (SC)

I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s
Consumer complaint received 2016-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CO)

Cavalry Portfolio Services was sold loan from XXXX on XXXX XXXX, 2012. The original amount of the loan from XXXX was {$6000.00}. Cavalry Portfolio Services is attempting to collect {$35000.00} on the original loan balance of {$6000.00}.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (AZ)

A debt collections company placed an inquiry on my credit without legal documentation of proper contact or legal verification of debt. They also did not post the original creditor. This is a transferred debt purchased by another party whom did not properly disclose information correctly and illegally disclosed information to the credit bureau without properly verifying debt legally. They did not send me a letter of verification before they disclosed information on my credit report.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (OH)

Name : Professional Debt Mediation , Inc . 
Addres : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Original Creditor ( ALLEGED ) : XXXX XXXX High BalanceXXXX Date opened : XX/XX/XXXX Date Reprted : XX/XX/XXXX Here are supporting facts by law of the federal corporate United States as defined Title 31 3123 28usc3002 ( 15 ) a FRNs are obligations of UNITED STATES : HJR 192 Title 18 8.

Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause Senate Document No. 43, 73rd Congress Congressional Record, March 9th, 1933 on HR 1491, p.83 As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States XXXX and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations.
Consumer complaint received 2020-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a car loan with capital one. I subscribed to let them withdraw the payment monthly. Last month I spoke with a representative to ensure they had the correct banking information and thought I made it clear it should only be with drawn from one bank account, I was told she removed all other banking information. Today I found that they withdrew the funds from a different account. There was no money in the account so I was also hit with a overdraft fee. I have tried more than once to speak to Capital One regarding this issue, I thought it was cleared up and clarified last month.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Found out through XXXX XXXX, on my TransUnion report that there was a hard inquiry from XXXX XXXX  on XX/XX/2019 that I did not authorize.
Consumer complaint received 2016-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I hold Synchrony Bank fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XXXX/XXXX/16 ). This was for account # XXXX. On XXXX XXXX, 2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XXXX/XXXX/16 ) and none was given as well as they did not place a dispute by consumer on my credit report. Synchrony bank as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then Synchrony Bank sent a letter stating on XXXX/XXXX/16 that the account was sold to XXXX XXXX XXXX XXXX XXXX. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Consumer complaint received 2020-04-21
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL INC (FL)

My mother used my information while she was living with me to take out a student loan ( also maxed out credit cards in my name ). I have already reported identity theft and filed a police report. Company will not remove the negative collection from my credit report. The amount is around {$7100.00}.
Consumer complaint received 2020-06-21
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: Convergent Resources, Inc. (OH)

This account has been deleted from my credit report as a result of an error. This account reappeared on my credit report. I received a letter stating they would delete this collection from my credit reports for a second time. This collection still remains.
Consumer complaint received 2020-04-21
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: DISCOVER BANK (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NJ)

Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I have applied for Georgia unemployment benefits on XX/XX/2020 and requested a state issued debit card on XX/XX/2020 but haven't received my card yet. This is hindering me from obtaining my money which I desperately need. I have reached out numerous times to the state and the card issuer with no response from either party. Can someone please assist with this simple request of a debit card so I can access my funds
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$850.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX$400.00}