davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I had various credit cards with XXXX XXXX. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with XXXXXXXX XXXX were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts XXXX  and XXXX. They fixed the name on the XXXX and never the XXXX account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

Hi, On XX/XX/XXXX, I submitted a claim with the irs I never received my third stimulus of {$7000.00}. Irs noted my account, informed me to make a police report and contact money network the issuer of the card to report it stolen and receive a reimbursement with a refund of fraudulent/theft funds! I contacted money network after having being Identified by questions, I submitted a claim ( although it's theft ) they still wanted me to submit a claim. After weeks of waiting, XXXX  XXXX XXXX replied with an incomprehensible letter, he placed the Wrong date and other information, and denied my claim although I provided a statement of facts and a police report number as they requested. Money network then sent another card to the wrong address with my balance of {$2000.00} or so, after I informed then of the previous error, they still sent my funds. I had to them make another claim and police report on XX/XX/XXXX, and XXXX XXXX XXXX' which seems to be the only dispute representative who is discriminatory and fraudulent send another carbon copy of the same letter he sent for the previous claim denying it. Now my family and I are victims of theft and money network is not doing due diligence to protect their clients please help and investigate this company I'd like my {$7000.00} that the irs stated I was a victim of due to receive back due to theft please help.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

My Experian Credit Report on XX/XX/XXXX dropped XXXX  points because I had an XXXX XXXX card that showed a balance of XXXX. My Experian Credit Report only increased by XXXX points when I paid the balance off. It should have increased XXXX points. I believe this is fraud. Please have someone in management call to explain this ridiculousness. My number is XXXX Sincerely, XXXX XXXX
Consumer complaint received 2020-07-03
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. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX ) Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX Experian ) Address : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, XXXX, Experian ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( Experian XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) 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   XXXX  XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX
Consumer complaint received 2020-07-16
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: LoanCare, LLC (MA)

I see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-14
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. (FL)

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX  XXXX XXXX. Attached is the documentation for verification as well as account update information.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for bankruptcy on XX/XX/18, I was told not to pay XXXX XXXX auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with XXXX XXXX. I never received any documentation or information from XXXX XXXX bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called XXXX XXXX to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received
Consumer complaint received 2020-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TX)

I previously had a wells fargo secured card and the balance was settled for less than the balance this account has showed inconsistency with my report such as incorrect information and account status and other detail account information.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Capital one has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account
Consumer complaint received 2023-04-03
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)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX  sent to the XXXX  set up on a XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the case where I was XXXX XXXX XXXX  which is the reason XXXX XXXX  was involved
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (LA)

The company calls my phone repeatedly during the day, while I am at work. I have asked them repeatedly to stop calling me several times a day. 
Currently, I have a settlement offer setup on my account to be paid off by XX/XX/2020. 
I have payment arrangements set. 
( bad enough, I requested help several times with payment extensions due to lowered income because of COVID-19, and was refused help ) I made a payment on the account on XX/XX/2020, and another payment set to come out on XX/XX/2020. On XX/XX/2020, I began receiving calls from Cashnet. Each call, I explained the settlement offer, and asked them not to call me again, unless my paymnet on XX/XX/2020 doesn't go through. ( which is proper collection practices based on FDCPA ). 
However, I received more calls the next day, day after that, day after that, and even received a call, today. The day after my payment was cleared through my account. 
I requested on XX/XX/2020 for account to be notated that I have payments setup, and was assured that the calls would stop. 
THIS IS HARASSMENT. THERE IS NO CAUSE for them to continue calling me each day, after I have explained myself and asked them to stop, when information is clear to see on my account.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (CA)

Company will not respond to the issue. They are sending all kids of responses that do not deal with the fact that their investigation did not happen during the allotted 30 days.
Consumer complaint received 2020-07-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (GA)

As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 

Thank you for your service
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX XXXX  I purchased XXXX XXXX stream service on my truist bank credit card at the XXXX XXXX store on XXXX XXXX in XXXX Tennessee. On XX/XX/, I returned the box and canceled the service. I received receipt of the returned. The cost {$130.00} has been canceled from my XXXX  account, but my truist bank credit card did not credit my account. I have sent cancelation letter to truist bank from my email sent by XXXX XXXX, print out of purchase., and another form showing canceled the next day. I also sent XXXX XXXX location and phone number where I made the purchase. All information was sent to email creditcard XXXX, bankcard XXXX and a fax number XXXXThe XXXX  merchant ( store manager ) has compromised for further assistance on this matter. Everytime I call truist bank rep or manager, they tell me something different about the claim. They also keep giving me different claim number. These are the claim number for the same case. Claim number XXXX. Claim number XXXX XXXXXXXX. Claim number XXXX. All I want is for {$130.00} to be credit back to my credit card ending in XXXX. If you need more information, feel free to call me at XXXX. My name is XXXX XXXX.
Consumer complaint received 2020-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.
Consumer complaint received 2020-11-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account US BK CACS Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but Transunion is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : Transunion shows a high credit limit of {$2200.00}. XXXX shows a high credit limit of {$0.00} and XXXX shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : Transunion and XXXX both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Control, LLC (IL)

Specifically on XX/XX/27 and on XXXX, but the secretaries report that Credit Control rudely tried to contact me throughout the summer even when I was not at school. Credit Control called both my XXXX XXXX XXXX and XXXX XXXX. A woman by the name of XXXX XXXX, in particular ( XXXX ) was giving both secretaries a hard time about trying to reach me even though I am an XXXX XXXX and can not receive personal calls of this nature.
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX  FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Consumer complaint received 2020-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX Vehicle loan through Capital One. Car was totaled in an accident. After insurance balance on account was {$1400.00}, gap insurance was supposed to cover and did not. Started making payments to resolve account. Made all payments in full and Capital One turned over as a charge off when the account was paid. Now this has made my credit score drop almost 100 points and I now have a negative rating on my report. Disputed and all they did was update as paid. Did not remove the negative hit on my credit. Another dispute has been submitted and Capital One will not discuss account any further.
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 the company XXXX advised me that a full refund would be on the account. They advised that the credit would appear in 10 days. It has now passed this timeframe and the email states that the credit would appear as of XX/XX/2020 I contacted Citibank that is affiliated with the Best Buy Visa Card. The amount of money that is due to be credited to me is {$530.00} this has yet to be seen on the Visa statement that is in dispute. The Citibank Visa Department has yet to handle this as they sent me to fraud which they advised is closed. This card is showing a huge balance and reporting incorrectly with the credit bureaus. I have advised them and the company which is big has been failing to make the corrections to my balance to correct my bureau for credit.