davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (NC)

My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, American Express Credit card Reported my credit Bureau NEGATIVELY and hit with XXXX Point down and i do not know why!!! I oay bill in time never had a late payment with them, my account has a good standing even they can tell you that. So please make a good investigation with them. 
Also i Attached picture for my credit report with XXXX and XXXX report for whta they did. 
Thank you
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit, Inc (PA)

I am the co-signor of the vehicle that was leased by my son. My son XXXX XXXX XXXX XXXX XXXX  that when he XXXX XXXX XXXX XXXX XXXX  requires him to undergo XXXX XXXX  to be administered at a hospital. When this happened was around XXXX. He then required XXXX in XXXX due to his airways ( nose and throat ), and voice box XXXX XXXX XXXX XXXX XXXX. All of these areas needed to be addressed with XXXX to prevent further complications. My son XXXX XXXX XXXX XXXX  and in recover for over 3 months after that. He was give permission to go to work a couple of weeks ago and has been in a complete financial distress. He tried numerous of times to have the company owning his lease to give him options while he was facing all these issues. He had a on time payment history throughout the life of the lease. The company ( Volkswagen ) on an Audi vehicle, did not offer any type of extensions or to at least offer other options while he was in such a delicate health state. We are now facing a charged off account with possible repossession. One option give is to voluntarily Forfeit the vehicle which is then auctioned and amount collected is applied to balance and my son will be responsible for paying the remaining balance ( this is a used car so they will not sell for a high enough price to make balance feasible in paying. Other option given was to have car repossessed with a balance of {$40000.00} placed as final charge or repossession. Final option is to pay off the entire amount of XXXX dollars to settle account and keep vehicle. My sons flare ups are induced by stress and XXXX  and this is something that has been weighing heavily on him for some months now. We have tried everything possible with the company who refuses to help in this situation. I unfortunately am a single hardworking mother of 3 and sole provider of our family, I do not have the means to help my son pay this XXXX that is being asked and can not imagine having to see my son have a relapse in his health again due to this situation. I ask that you please help us solve this. I have attached last obtainable invoice of XXXX as there were invoices dated for XXXX and XXXX, but they revoked my access to my account. As well as proof that they started reporting delinquent account in XXXX of this year and by XXXX placed it as a charge off with balance going from {$680.00} to {$40000.00}.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (OR)

We're getting notices from Concord Servicing regarding a debt we owe with our timeshare. When we try to communicate with them via email, they say we're not authorized to know anything about our debt despite repeatedly providing the information on the collection notice and providing a copy of what we received from them. We're not going to give them more information because we know that it will be used against us. Our account number with them is XXXX, and despite their refusal to acknowledge this, the debt is DISPUTED and needs to be returned to the original creditor.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had the card for about XXXX XXXXXXXX. 
Every other month or so, the company blocks my card and says I must phone to verify my bank deposits onto the card. 
And every time I phone the credit card company, they then do a three-way call to my bank, who then verifies it is my account. 

This happened again last week, except this time the credit card company said they could not reach my bank and told me to send XXXX months of bank statements instead. 
They then sent a link for me to upload my statements, which I did. This was on XX/XX/2024. 

Now, XXXX days later, the credit card is still blocked. Meanwhile, they have more than {$1000.00} of mine that paid, and I can not access. 

Also, there is a {$300.00} debit on my card that I need to dispute but their system does not allow me to dispute it.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2017-06-18
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: Experian Information Solutions Inc. (MS)

I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.
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 resulted from identity theft
Company: EOS Holdings, Inc. (CT)

XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TN)

This company has ignored my attempts to contact them multiple times. My auto payments were going through and they neglected to tell me that they were not. I believe any late charges should be waved completely for their oversight. 

In addition to that, this company still has not contacted me in what they will do to make the situation right. 

I have tried and tried and tried to even log in to my account but can not to pay my loans. 

I believe this company purposefully gives you incorrect info and if you complain, they lock you out of your account so late charges stack up.
Consumer complaint received 2020-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I received my Mortgage XXXX dated XX/XX/2020 which stated my payment due for XX/XX/2020 was {$1000.00}. This was not the same as my normal mortgage payment is {$1800.00}. Because this was different, I contacted Shell point Mortgage Servicing to verify the total payment due so I didn't make a mistake. After two phone calls, I was advised there was {$810.00} on my account that they couldn't identify but it was the difference between my normal payment of {$1800.00} and the amount due on the statement of {$1000.00}. I made that payment. The XXXX statement then showed a late fee of {$26.00} and that the {$1000.00} was on hold as it was listed as a partial payment and I was now late for the balance. I called on XX/XX/XXXX and was told they found the issue and was escalating the case. I then called again on XX/XX/2020 as it was still not cleared up. That agent told me she found everything and re-escalated that case and attached my mortgage statement. Today, XX/XX/2020, it was still not cleared up so I called again and was told that they made the error but they would not credit that amount until I paid the remaining amount and they would not be able to do anything about the late reporting. I followed their instructions and their printed statements. This is their error but I am going to take the serious credit hit on this. I am also currently XXXX overseas making it very difficult to deal with this issue.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc. (WV)

Account # XXXX is all I can access. I.C. Systems inc is the company. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I filed complaint earlier today along with my birthdate and they couldnt pull up my information using my correct date of birth. Or my legal name that I have had since XXXX. The IRS, has documented that I had identity fraud through there agency as well. The information they have is not accurate thank you
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: NRA Group, LLC (NY)

I requested information regarding the account XXXX XXXX and have not received anything. 

Please have this company upload the following documentation : Last XXXX months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Property Receivables, Corp (TX)

I received a bill after moving out of XXXX XXXX XXXX XXXXXXXX XXXX XXXX saying I owe them almost XXXX XXXX for everything including new carpet, paint, parking ( I don't even have a car ), etc. 
I left the apt in good shape when I moved out and they refuse to send me any proof and they have reported this to the credit bureaus!!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (VA)

I am driving XXXX for XXXX now, and I would say once per year they do background check with Checkr company. On XX/XX/XXXX they did my annual background check and status of my background check says XXXX because it says XXXX XXXX  - not provided. 
On XX/XX/XXXX i replaced my XXXX licence with XXXX where i live now. Once i did that back in XXXX i did upload my licence to XXXX XXXX, and I was approved without issue. Now, because Checkr reported to XXXX that driving licence is not provided I cant drive.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting act, JPMCB Card Services, Account # XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

JPMCB Card Services also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, JPMCB Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (SC)

MY EQUIFAX CREDIT FILE PROBLEM IS THAT THEY KEEP ROLLING MY DISPUTE LONGER MORE AND MORE TIME OVER 30 DAYS FOR THE COMPANY XXXX XXXX WHO IS INACCURATLEY REPORTING INFORMATION OF AN ACCOUNT THAT IS REPORTING INACCURATE INFO. I PLACED A DISPUTE ON XX/XX/XXXX # XXXX EQUIFAX STATED XXXX XXXX SENT AN ELECT. REPLY STATING THIS ACCT IS MINE, NOT TRUE. ONXX/XX/XXXXI FILED A DISPUTE # XXXX W/EQUIFAX STATING XXXX   IS REPORTING INACCURATE INFO ON MY CREDIT FILE, I CALLED EQUIFAX REP SHE SAID THAT EQUIFAX IS WAITING ON A RETURN CALL FROM THE COMPANY XXXX XXXX REP STATED THAT ( REQS CAN BE MADE FOR A CALL ) IF A CALL IS NOT RECVD BY XX/XX/XXXXTHAT THIS ACCT WILL BE DELETED FROM MY CREDIT FILE. I FAXED A LETTER FROM XXXX  TO EQUIFAX CONF #  XXXX AND REP VERIFIED IT WAS RECVD ON XX/XX/XXXX. TODAY I WAS TOLD THAT I WOULD HAVE TO ALLOW AN ADDITIONAL 30 DAYS BECAUSE I MAILED THE SAME LETTER THAT I FAXED, THIS IS COMPLETELY FALSE. I NEVER MAILED ANYTHING AND WHY WOULD I NEED TO MAIL THE SAME LETTER THAT WAS FAXED WHICH I HAVE A COPY OF THE CONF PAGE OF THIS FAX.?, COMPLETLEY FALSE. THE LETTER VERIFIES THAT THE INFORMATION XXXX XXXX HAS DOES NOT MATCH MY NAME OR ADDRESS, ( THIS ACCOUNT SHOULD HAVE BEEN DELETED ), INSTEAD EQUIFAX HAS STATED THAT I HAVE ANOTHER EXISTING DISPUTE WITH THIS SAME COMPANY ENDING IN # XXXX SAID TO END ON XX/XX/XXXX ( CUSTOMER SVC REP XXXX STATED THAT WAS INITIATED BY EQUIFAX AS A FRAUD DISPUTE, AND I MADE XXXX AWARE THAT THIS DISPUTE WAS UNAUTHORIZED BY ME. AND FINAL, HOW CAN YOU HAVE ( 2 ) DISPUTES GOING AT THE SAME TIME? THEY ARE SUPPOSED TO BE 30 DAYS AT A TIME, INSTEAD EQUIFAX IS USING A STALL TACTIC TO KEEP ROLLING THIS DATE WITH THIS COMPANY BEYOND THE 30 DAYS THRESHOLD AND I HAVE NOT BEEN MADE AWARE OF THIS AND CERTANTLY DID NOT AUTHORIZE THIS FINAL DISPUTE # XXXX.
Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

XXXX XXXX I filed a 1099 C with the IRS ( cancellation of debt ) in regards of my student loans ( which is now under a new company ) I received my Copy B from the IRS. I uploaded the legal documents in my Nelnet account under documents, called into the XXXX XXXX Department, spoke to customer service which then was acknowledge that those legal documents was seen and uploaded to the correct file. I then proceed to ask to record the current phone call and to send in a ticket which a ticket number was then produced. Under the Securities Exchange Act of 1933 I have the right and duty to lawfully discharge all debt ( s ). Under Nelnets XXXX current filings, their Commissions file number XXXX Nelnet, Inc ( the exact name of the specified in its charter ) XXXX irs employer identification number. 
I also am currently receiving statements for payments which Under UCC 3-603/ 3-604- I have proper endorsed the bond and sent it to the proper address and addressed to the Indenture trustee and the Trustee which is also located on Nelnets XXXX and XXXX filings on the SEC website. ( with my proper endorsement and signature on this bond this is now turned into an securities and is currently being traded onto the secondary market.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

My capital one bank checking and savings account withdrawals were placed on hold just because i received money through XXXX transaction from my friends. I have the explanation and also the contact number of the person sent, they told me that they couldnt verify and asked me to bring my friends with their valid id to one of the capital one XXXX to verify his and mine identification. Capital one XXXX is 54 miles from where I reside and its practically impossible for both of us to be free on our schedule to travel 54 miles just to get it verified.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 2017-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

To whom it may concern, The terms and conditions for my American Express XXXX XXXX XXXX account opened XX/XX/2024 with the promotion states " 0 % intro APR on balance transfers for the first 15 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. '' I have XXXX cards including the XXXX XXXX XXXX card with American Express and they are all in good standing. I have never had a XXXX XXXX XXXX XXXX before. On XX/XX/2024 I made a balance transfer, which fell in the 60 days promotion offer agreement. On XX/XX/2024 I was charged {$56.00} in Interests charges. This came as a surprise since the promotion dealsays 0 % intro APR for 15 months and I also received different explanations from AmEX representatives after inquiry on the interest charges. 
On XX/XX/2024, an AMEX rep told me I received the interest charges because the promotion was only for a lower interests rate on balance transfers. Which was never stated in the advertisement or the terms and conditions. When I reached out XX/XX/2024 I was told that I was not eligible for the promo because I am already an AMEX card holder ( GOLD and PLATINUM ). When I asked for documentation on the justification, the rep could not send it to me and told me where to find it. I was not able to locate the information that refutes the 0 % intro fee does not apply to card holders. The only information I could find is " You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the XXXX XXXX  Card, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Card or previous versions of these Cards .... If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application. '' I have never had the XXXX XXXX card or anything similar in the past and I never received a notification while submitting an application. I would not have submitted my application if I received notification of ineligibility. 
Ultimately, I am disappointed with AMEX for misleading its current and new customers. The advertisement is a blatant lie, and no one can give me a straight answer or provide documentation on why I am paying interest on a promotion deal stating 0 % interests on terms and conditions for customers that never had the American Express XXXX XXXX XXXX card.