davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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. (TN)

On XX/XX/2018 XXXX has pulled a credit report under national credit cards/airlines I have never applied for any services through this company nor would I like to apply for anything through this company
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2021, I opened a checking account with Chase Bank. I made an initial deposit and enrolled in automatic deposits with my employer. I used a promo code to get a {$200.00} bonus for opening the account. Today ( XX/XX/2021 ), I found out the bank closed my account and I received a check with less money than what I think I had in my account. I did not receive the bonus either. The bank refuses to tell me why they closed my account and they told me they do not ever want to do business with me, however they have not closed my XXXX credit cards that I have had with them for 10 years. I believe this is unfair and I at least deserve to know why they have made this decision. I have an excellent XXXX XXXX, XXXX debts and have never been involved in any financial issues with any banks. I am afraid of what this means and I don't know what should I do to prevent something similar to happen again.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I had a loan through American Finance. They went out of business. I received no information from them in regards to them going out of business or filing bankruptcy. I was contacted by Westlake Portfolio. I requested to have information sent to me in regards to them handling my account. They only sent me a payment portal. I have ask this several times. I have also ask if they were going to hornr the terms ofthe loan in which I purchased the vehicle. They told me no and only wants money. I want to know what are my legal options?
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from Portfolio Recovery Associates/XXXX XXXX last reported on XX/XX/XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Portfolio Recovery Associates/XXXX XXXX individually and have not received any reply back.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (IL)

I have a Chase Slate Credit Card on which I carried XXXX separate Balance Transfer Promotions which carried a 0 % APR for varying periods of time. It appears during the time the promotions were active, my minimum payments were applied to reduce the balance of the outstanding promotional balance transaction due to expire 1st. When the promotion which had a 0 % promotional APR expired, it 's unclear as to how the subsequent payments were allocated. It appears that the payment amount was split between the remaining 0 % promotional balance outstanding as well as the expired promotions outstanding balance. However, the amount applied to the expired promotions outstanding balance does not appear to have even satisfied the current statement cycle interest charges. Thus, between the XX/XX/XXXX and XX/XX/XXXX statements, the Balance Subject to Interest Rate increased from {$6300.00} to {$6400.00} even though a payment of {$190.00} exceeded the {$71.00} interest charges. Moreover, when I attempted to pay in full the expired promotional balance by paying {$6500.00} ( which exceeded the balance subject to interest rate on the previous monthly statement ), I was surprised to see still yet a remaining balance and interest charges accruing and perplexed as to why any portion of this payment would be allocated towards a promotional balance earning 0 % interest before fully satisfying the balance subject to interest charges.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

Why does XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX label all my requests for a copy of the permissible permission issued to Experian and used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission used to have accessed my credit report in XX/XX/2017. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was told by the companies listed below that on XX/XX/2020 if I paid the following accounts off to a XXXX balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agenciesXXXX XXXX XXXX XXXXXXXX XXXX. It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised. Below are the accounts still reporting to the credit reporting agencies. 


Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with  copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or  verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Novea Portfolio Management LLC (CA)

This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

XXXX XXXX XXXX XXXX Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXXXXXX  Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (OH)

I received an collection email on XX/XX/XXXX, supposedly on behalf of Speedy Cash. I called Speedy Cash and confirmed that this is not a legitimate debt or correspondence from their company. I am including the information in the email below : " CREDITOR : SPEEDY CASH ( ADV.AMERICA ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 



IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX "
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX XXXX XXXX  Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with Experian, XXXX, and XXXX but I have not gotten any results. I even tried to call Experian again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Twice in XX/XX/2021 XXXX on XX/XX/XXXX AND XX/XX/XXXX ), Equifax reported my XXXX XXXX with XXXX XXXX as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted XXXX XXXX on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on Equifax end. When I called Equifax to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need Equifax to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX we purchased a home with a FHA Mortgage Loan. 
in XXXX XXXX we filed chapter XXXX Bankruptcy because we could no longer afford the home due to employment loss/ employer reduction. 
we were discharged on XXXX XXXX, XXXX. 
the home of XXXX XXXX tx XXXX later went info foreclosure on XXXX XXXX, XXXX. 
we are being given the run around by mortgage lenders and bank of america customer service. 
we cant pass caivrs during underwriting for a new home loan whether it is conventional or FHA. 

we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.