davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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)

Experian score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above 580 ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX XXXX. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.
Consumer complaint received 2019-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Global Financial Mortgage, LLC. (AR)

My name is XXXX XXXX XXXX XXXX XXXX XXXX. I contracted with XXXX XXXX at Global Financial to assist in finding me a loan to purchase property at XXXX XXXX XXXX, XXXX XXXX, AR from XXXX XXXX XXXX, XXXX. I sent her a cashiers check in the amount of {$2800.00} which was to be returned to me if they were not successful in securing a lender of my satisfaction, which they were unable to do. On XX/XX/2019, I requested that the money be returned to me. This has not happened and the XXXX has stated that the owner has given her several statements as to when the money will be returned. I would like to file a complaint with your department in the hopes of retrieving my deposit which I was assured would be placed in escrow and returned to me upon them not being able to meet their obligations to me. 

XXXX XXXX has now informed me that the owner of Global Financial has died and his wife is now running the company. Her name is XXXX XXXX, phone number XXXX. I spoke with her and she gave me a response that she would send me a check in two weeks after she told Ms. XXXX ( according to her ) that the check had already been cut and would go out the next day. I have tried to contact Ms. XXXX again numerous times and have not been successful in reaching her. She has not returned messages that I have left. 

I have attempted to file a complaint online but was not successful. I am not sure what I was doing incorrectly. I fill also follow-up this email with a phone call to your department on Monday.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (PA)

I contacted Bay Area Credit services about settling my debt with XXXX XXXX XXXX. XXXX around XXXX of this year.I first offered monthly payments but they wanted nothing to do with it but settled on a one-time payment of around $ XXXX.So I gave them my debit card number and repeated back the confirmation number of payment they did not repeat it back but hung up on me. So feeling uneasy about this I canceled my payment and researched the company. I found out they were not on the up and up and more than likely a scam service. many complaints have been made against this company I do not trust them with my financial information whatsoever.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I was victim to an identification death. I lost my wallet five years ago with all my information such as ID- Social Security Card - Credit card .... I reported to the police it was in XXXX XXXX XXXX. The police found the valet, however, all my informations was stolen and they left only my Id. 
Some use my personal informations and applied several credit cards under my name - 1- XXXX XXXX : XXXX was opened on the : XX/XX/XXXX 2- XXXX XXXX XXXX : XXXX was opened the : XX/XX/XXXX 3-XXXX XXXX : XXXX was opened XX/XX/XXXX All these credit card listed above was fraud. Someone used my personal information to apply these credit card and now they all charged off. 
I was able to report it to the main 3 credits bureau such as XXXX -XXXX and Experian. 
XXXX and XXXX after there investigation found that all these account was fraudulent and deleted all of them. 
I did the same process with Experian and they don't want to delete these fraudulent credit under my account. 
I put a permeant fraud alert under my account for credit monitory. 
My name is XXXX XXXX DOB : XXXX SS : XXXX
Consumer complaint received 2019-07-10
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. (OH)

I disputed this account named XXXX XXXX XXXX on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( Experian, XXXX, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2019-08-25
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: First Federal Credit Control, Inc. (FL)

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes.

account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

Dear Sir, Initially this debt claimed by XXXX. I was their customer the last 11 years and paid my bill on time. Since their service / signal is very bad at my work place almost the last 4 to 5 years. I finally decide to change my service to another provider and paid all the total balance and closed my account. After I closed and paid the balance amount, they keep send me the bill and I contact their customer services more than 8 time and different occasions, they confirmed me that they will remove their claims and close my account but they sent it to the collection office. And keep sent me further bills like I'm still their customer for more than 3 months and I keep all those bills for references. This amount {$62.00} is not a big deal for me but I won't pay a single XXXX for the service I did used ... 

Thanks! 

XXXX XXXX
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX ( XXXX ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default Capital one card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was XXXX again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
XXXX  called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from XXXX. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated XXXX was considering sending this account to an attorney in our state for possible litigation. To please pay them.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case. 

I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card. 

At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?
Consumer complaint received 2019-03-28
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. (NY)

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, experian, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX
Consumer complaint received 2019-07-10
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: Paypal Holdings, Inc (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though XXXX/pypl is reporting an alleged Inquiry for date of service XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2019-07-09
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 # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.
Consumer complaint received 2019-07-09
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America. I applied for a bank of america card online. I have excellent credit and was denied after they pulled a hard copy of my credit report. I then contacted an individual that obtained further info from me. He agreed that my credit is excellent but he then stated that the denial stands because I have no bank of america accounts and the amount of credit extended to me in the past 18 months. I told him that other banks and companies did not have a problem ( XXXX  XXXX etc ). He then said that I should file in the future with bank of america, I replied I will not be recommending bank of america to anyone.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXX my mom and I went into Suntrust Bank in XXXX XXXX  Tn to close her account. Which my name is on too. I was taking over her POA and changed banks, the bank manager assured us the account was closed and a week later she started getting letter in the mail that she owed them money for a draft and fees they allowed to go through on her account that was supposed to have been closed. I called all the companies she had automatic drafts from and stopped them, so I dont feel like it was our fault the drafts came through the account was supposed to have been closed. They told us that a pending draft could reopen a account, I feel that this practice is a attempt to just keep getting money from people when you close a account it should stay closed. I wouldnt recommend using Suntrust bank to anybody.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I changed my due date from the XXXX to the XXXX on the Chase Online website, in order to align with my paycheck dates. As of today XX/XX/XXXX, I kept checking online to see my statement which should have close on the XXXX as every month but it has not closed yet. I called Chase and they inform me since I changed my due date that also changed my statement due date, unknowingly to me since their website did not disclose to me at any time while I did the change of the due date. Now I am stuck with an unplanned statement period which will be over a month and half instead of the regular just 30 days, just because Chase did not warn me or at least inform me changing the due date was also gon na affect my statement closing date. Furthermore, their website still shows my closing date as of the XXXX of XXXX. If I would not have called chase I would not have had any notice this change went in effect.
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (PA)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (WA)

In XX/XX/XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XX/XX/XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until Equifax, XXXX and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!