davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (GA)

I was approved for a secure loan. I asked the agent to explain secure loan she said it meant collateral of a car and I asked if that meant the loan was a refinance and she stated no. After beginning approved the loan was actual a car finance loan. I would had never agreed to have a hard inquiry on my credit had I known if was for a car finance. I was manipulated into running my credit for a loan I was unaware of. I made it perfectly clear that I did not want a car finance loan. Date. XXXX XXXX
Consumer complaint received 2020-08-25
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. (GA)

This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,
Consumer complaint received 2020-06-29
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: Monterey Financial Services LLC (TX)

In XX/XX/2011 the U.S. Bankruptcy Court filed a Chapter XXXX bankruptcy judgement against me and my husband. We went through all the stipulations warranted by the courts. Our allotted time has expired and we would like this conviction erased from our credit reports, so we can move forward and re-establish our respect and dignity. 

Reference # XXXX : Discharged. Joint filing.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

On XX/XX/XXXX, I discovered that i could no longer transfer money from my unemployment debit card to my bank account. This is problematic because I specifically choose the debit card for this feature, as I pay my rent through a check and the direct deposit system was so buggy. 

The fee to transfer is still listed in the fee schedule and Im now informed that all transfers are now not possible, even over the phone. This feature being frozen ( without any notification ) changes the terms we agreed to, and freezes many people out of their money.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

MACYSDSNB - XXXX is reporting an erroneous debt on my credit. I paid this balance off 6 years ago and it is still reporting a balance. This debt is inaccurate, invalid, and past the statute of limitations. This is a violation and it needs to be fixed.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I contacted IQ Data International on XXXX after receiving a letter about a debt owed. The letter stated that I would be allowed to settle the debt for 30 % if I called before XX/XX/XXXX. When I spoke with the representative, I was offered an amount of {$790.00} to settle the debt, but for an additional {$340.00}, they would erase the account altogether. I opted to pay the XXXX, and received the confirmation letter that the account was closed. I was told that the option to call back and pay the {$340.00} would remain available until XX/XX/XXXX. Today, I noticed on my mobile banking app that they ran my debit card for the additional {$340.00} without my consent. I called, and was told that I needed to contact them prior to XX/XX/XXXX if I did not want my card ran. I told them that I never consented to this amount, and was told that they had my consent recorded, and refused to further investigate the matter. I was then told to " stop wasting their time '' and there was no further escalation process. I have contacted my bank to dispute the charge. The representative I spoke with was verbally abusive, telling me that since I " loved to talk '' that he wasn't going to continue to help me. I called back, and was transferred back to him again.
Consumer complaint received 2019-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2020-06-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Original Creditor, XXXX XXXX  XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, Portfolio Recovery, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and Portfolio Recovery to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and Portfolio representatives simply mocked me.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Monterey Financial Services LLC (TX)

On XX/XX/2017 I took out a loan from XXXX XXXX XXXX. It was a 'Time Share ', agreement. After several years of timely payments, I couldn't afford the payments because of economical hardship. I tried numerous time to settle and get out of this dilemma, but they refused to reason with me. All of a sudden, the loan escalated from {$1200.00}, original amount owed from {$5100.00}, to {$6800.00}. They forwarded the loan to Monterey Collection Services and the amount skyrocketed to {$10000.00}! I plead and plead to allow me to 'settle ' this situation, but they continue to threaten me with law suits and to damage my credit. I'm scraping just to pay the minimum trying to salvage my credit.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I continue to received updates daily on my credit report from the company I.C. System, Inc,  i have sent a letter for debt validation because i do not believe the account belong to me, i have heard nothing from the company only receive daily updates that my account was flagged as Collections. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX, MN. XXXX {$320.00}
Consumer complaint received 2020-07-24
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I attempted to purchase an item from a website called XXXX. ( this website is no longer active but it is still indexed with XXXX search engine, and they company is now doing business at XXXX ) The item I attempted to purchase was a XXXX XXXX XXXX gaming motherboard for the price of XXXX ( this item weighs 2.2 lbs according to product specifications on an XXXX listing ) The merchant charged my card using XXXX and a few days later they provided tracking number that indicated that the item had been shipped and delivered. 
Since I never received the item I opened a dispute with my credit card company, Chase Bank. I also examined the tracking info that the company sent me. It said that the package that was sent weighed only 0.8lbs even though the weight of the item I ordered is over 2lbs.  I also called XXXX and told them I never got the delivery. When I provided the tracking number to XXXX they informed me that the tracking number the merchant provided was for a package that was sent to a different person at a different address, that did not match my name and address, which was on the order confirmation and invoice. 
On XX/XX/XXXX I got a Notice from Chase saying " we consider the charge valid based on our research and the information available to us '' they removed the temporary credit, re-billing me for the {$140.00}. 
On XX/XX/XXXX I reopened the dispute with written fax with a description and documentation of my findings ( Tracking number not associated with my address, and discrepancy with item weight vs weight on tracking info ) OnXX/XX/XXXX I received another letter from chase saying that they consider the charge valid. When I called them they said I would need to send another letter to reopen the dispute, even though I have already provided a full description and supporting documents. They even verified that they have already received all the documents I included and my written description of the discrepancy on the merchants claims.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

the attached paper will show you that this is an inaccurate collection for which experian is reporting under my name, this is a medical debt that i do not owe and it was paid cash long time ago, i have disputed this inaccuracy through experian many times and they are not removing this inculcate information. i have also mailed and uploaded the attached letter to experian and to the creditor. please have this inaccuracy removed from experian reporting.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (MA)

On XX/XX/2020, an international payment of {$2500.00} USD was made by myself to be sent by NFCU, to be sent to XXXX XXXX XXXX XXXX, who was using XXXX as an intermediate bank, account for a student loan payment for my wife. After no seeing the account credited for 2 weeks, we called NFCU again where we realized that there was a digit missing on the form 's student account number, and the money was most likely being held by the intermediate bank. NFCU then sent a message to the intermediate bank to update the account number. After another 2 weeks, we contacted NFCU again who had no further updates, but recommended we contact XXXX XXXX XXXX in the XXXX. We contacted XXXX XXXX XXXX, and they said they couldn't do anything and to reach out to XXXX. We reached out to XXXX and they informed we would have to intiate a withdrawal via NFCU. We requested a reversal of funds on XXXX where we were told it would take 3-5 business days. On XXXX I contacted NFCU once again, as I had not recieved my funds, however I was informed that the 3-5 business day referall was incorrect and that there was no time determination of when I could ( if ever ) recieve my funds back. I escalated the case to a supervisor, and asked to file a formal complaint with the company at this time.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 the XXXX  deposited loans funds in the amount of {$25000.00} into a checking account with USAA. The funds were supposed to go to my XXXX XXXX Account. XXXX  kept telling me the funds went to my XXXX XXXX account. So after almost a month I contacted the treasury department and was informed that my advance of {$3000.00} was sent to XXXX XXXX in which I did receive but the loan went to USAA which I hadnt been able to access the account before the loan was even disbursed. So I contacted USAA and spoke with XXXX who is a Supervisor and I asked why werent the funds sent back? I was told that XXXX  didnt ask for them back and I was told that I have to wait 60 days for a check. USAA told me that they werent obligated to send the funds back or allow me to access my loan funds.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have reached out to PORTFOLIO RECOVERY asking for proof of this debt. I asked them to send me my signature from capital one that this debt is mined. PORTFOLIO RECOVERY refuses to do so. The only thing they will send me is an old credit card statement. THIS IS NOT verification. THEY are rude and will not send me what I'm asking for. I'm demanding they send me my signature asap or else send me a letter stating this account is not verified and remove IT ASAP of my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
Consumer complaint received 2020-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XX/XX/2020 XXXX XXXX Called IFS to extend payment due to COVID-19,  per their webpage. 
Spoke to XXXX. 
He extended month of XXXX. 
Next payment XXXX Two weeks later, I'm getting collections calls about past due payment. 4-6 per day from a number not on the IFS website. When I answered, agent only knew my name and type of car and said " you know why I'm calling. '' On Monday, I called IFS : XX/XX/2020 XXXX XXXX Logged into portal. Saw payment extension wasn't there. No record of it. 
Called IFS. 
Spoke with XXXX. Note : I asked to confirm her name and didn't get a response, I didn't think anything of it at the time. 
She indicated she did see my call and agreement to move to XXXX. 
Claims she updated the system and it should be reflected by Friday on Portal. 
I asked what if not? Said it would be and apologized for the inconvenience. 
I said I don't trust this conversation given my last experience and that this is not an inconvenience, this is a failure. Who can I talk to? 
Then, I hear a sound that sounded like being hung up on. I stayed on. Feels like a trick to get me to hang up. 
About a minute later she came back on the line and said, " I thought I lost you. Please hold for a supervisor '' without being given a chance to say a thing. 
After about five minutes of waiting for supervisor, I hear : " Thank you for calling Nissan Motor '' then beep beep beep, hung up on. 
The XXXX website has several reviews with other consumers having similar issues. 

Also worth noting that the account number shown on their portal can't be copied, making it more difficult to fill out this form.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kirschenbaum & Phillips P.C (NY)

I received a letter at my mother 's house of a debt that i do not know about so i called the number to find out what is going on, they told me the name of the place. I told them i do not recall having an account with this company next thing i know the very next day, My credit report had a collection on it, and shortly after that about a month later i received a court paper, then two days ago i received a letter from the court to respond or there might be a judgement, etc .... so i answered the summons today and seems like they also turned it over to another collection agency on top of taking me to civil court. because this creditor keeps calling from different numbers leaving voicemails about collecting a debt
Consumer complaint received 2020-08-25
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. (IL)

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Due to unforeseen personal medical expenses I shopped around for insurance coverage for my condominium to see if I could save a little money. I was able to find a policy that met the requirements of my mortgage holder, Regions Mortgage, and for less of a premium than my prior insurer. 

Insurance is paid through escrow. When the new policy was written, Regions never paid the bill and a new policy had to be written. My new insurance agent called Regions, sent the bill according to Regions ' instructions and followed up with them when the bill was not paid. Finally, I alerted Regions in writing that I was without insurance coverage unless and until the bill was paid. At that point, a completely new policy had to be written. 

Instead of taking ownership of the problem Regions itself created, Regions billed me {$120.00} for lender-placed coverage for what they deem as a retroactive lapse in coverage in XXXX of this year. The attached documents show my two attempts to obtain insurance through XXXX XXXX ( in XXXX and XXXX ) and a Regions statement showing the {$120.00} charge. Essentially what Regions has done here was to take my alerting of them of my condo not having insurance in order to try and profit from their mistakes. Conflicts of interest between mortgage companies and insurance companies for purposes of forcing customers to buy insurance are common in this industry and I have identified what could be a conflict of interest between Regions and its insurance company. 

Dozens of phone calls and written correspondence to Regions trying to resolve this matter have yielded nothing. Please help!