davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have on multiple occasions reported to XXXX card that all charges on my credit card were fraudulent ( XXXX Credit Card ) I have always been told that it is being investigated but there has been no resolution. The fraud dates back over 6 months and XXXX will not complete and correct the account. I tried disputing with Experian and they advised that XXXX said the I formation was accurate.
Consumer complaint received 2021-09-18
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: CITIBANK, N.A. (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXXXXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-06-16
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. (VA)

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 Account # XXXX, has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes 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 2019-03-28
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. (AL)

Experianisrefusingtodisputenegativeitemsonmycreditreport.Theirexplanationisthattheitemsweredisputedoncelastyearandverifiedasaccuratesotheyarerefusingtoinvestigatefurther.Mycredithasimprovedsignificantlyinthepastyearduetoinaccuraciesbeingremoved.IhaverecentlyissuedadisputewithXXXXregardingthenegativeitemsonmycreditprofileandallnegativeitemsandevensomeinquirieswereremoved.
XXXXadvisesmetonotifyeachindividualcreditbureauofthechanges.IcalledExperianacoupleofdaysagoandtheyarerefusingtoreinvestigatethenegativeitems.Experiansrefusaltoremovenegativeitemsfrommycreditreportisbothillegalandunethical.

XXXXwasthesourceoftheirinvestigationtoverifytheitemsduringtheinitialdispute.XXXXhasagreedthattheinformationinmycreditprofilewasinaccurateatthetimeandtheypassedtheinaccurateinformationontothecreditbureaus.XXXXhasrectifiedtheerrorbyremovingthenegativeitemsandeachcreditbureauisrequiredtodothesame.

ShouldExperiancontinuetomaintainthatthenegativeitemsonmyreportarevalid,Iamrequestingwrittendisclosureofthesourceoftheinformation.Pleaseindicatename,date,andtelephonenumberforthesourcewhoverifiedeachnegativeitemonthereport.IamentitledtoreceiveddetailsregardingyourmethodofinvestigationasoutlinedintheFCRA.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I sent a {$1000.00} to a friend through XXXX money transfer on XX/XX/2018. The transaction appeared to be successful but up till now my friend did receive it. I called the Bank of America from where the transfer was made they insisted that it was done by XXXX online and that it was not their problem. I contacted XXXX, who insisted that the sent the money and gave the confirmation number. But my friend contacted her bank, XXXX XXXX who said they did no get the money until now. I suspect fraud and want my money back. XXXX asked to file a complaint with you and that is why I am doing this.
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 — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2019 I pulled and printed my Equifax credit report. A company named XXXX XXXX was reporting inaccurate information, which claims that I owe {$1300.00}. I then mailed a certified letter of a formal notice of disputing the claim. I mailed it through the US Postal service on XX/XX/2019 to XXXX   XXXX at the address listed on my credit report of XXXX XXXX XXXX XXXX, IL XXXX. 

On XX/XX/2019 the letter was returned to me saying " Return to Sender/ Not Deliverable as Addressed/ Unable to Forward ''. So the address on my Equifax credit report was invalid. Then on XX/XX/2019 I sent a certified letter through the US Postal Service to Equifax stating there is an inaccurate item being reported on my credit report from XXXX  XXXX. And that I contacted XXXX XXXX at the address listed on my credit report XXXX XXXX XXXX, XXXX, IL XXXX. I enclosed a photocopy of my mail being returned from the US post office due to an invalid address. I said in the letter that given the furnisher has provided false information to them about me, and provided them with a false address, I demand that the item they are reporting be removed immediately. Equifax received the certified letter on XX/XX/2019. It has been over 30 days and Equifax has not responded back to me nor removed the item.
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance (OK)

In 1987 I took out a loan and it was about {$14000.00}. I let it go into default due to some personal circumstances. I recieved a letter stating that it was in default and I owed {$17000.00}. When I took that loan out, it stated if it went into default, it would be up to 25 % penalties and interest. It did not say, 25 % penalties and interest plus 20 % interest until it was rehabbed and then they would add more and more to it.

Now ASA ( American Student Assistance ) have recently hired Performant to collect a separate debt I have not taken out or agreed to pay. The only paper work they have been able to provide is a fuzzy print document with pages missing. ASA claim I agreed to this loan but this is not true, nor have I ever seen the document before. If I had agreed to such a large loan there would be a copy of a loan agreement with my personal signature on it. I need them to stop garnishing my wages for this immediately. They have tried to get me to actually agree to pay this loan I know nothing about and I absolutely did NOT agree to it at any point in my life. This is not reasonable that someone can just " show up '' and say I owe them {$160000.00}! it is illegal and extortionate.
I did NOT " electronically sign '' nor did I agree to consolidate or any such nonsense.

Now ASA has been garnishing my wages through XXXX for the past year. If they won't provide an actual document to me proving the debt is legitimate, why are they allowed to garnish my wage? The reason they aren't able to provide this documentation is because it doesn't exist. Please make them stop!
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

My daughter and I were joint account holders on a Discover credit card. She did become delinquent, and I paid the account off and closed it in XX/XX/2018. They are still reporting to credit agencies that we are carrying a balance and it is delinquent, and state the balance increases each month when it was paid in full over six months ago. I did write them a letter requesting they correct it, well over 30 days ago, but Ive had zero response from them.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (SC)

I requested XXXX XXXX  ( XXXX  Credit card ) to do an audit of my account because I was inaccurately charged interest for an item that was returned and a late fee on my account although I was paying double payment due. 

I returned a handbag on XX/XX/XXXX, but XXXX didn't timely credit my account until XXXX XXXX, XXXX. I was paying interest based on the {$110.00} charge that should've been credit to my account XX/XX/XXXX. The interest charged on the account needs to be adjusted, especially the amount of {$57.00} charged on XXXX XXXX, XXXX. 

In addition, I was charged late fees XX/XX/XXXX ( {$32.00} ) and XX/XX/XXXX ( {$27.00} ) although I paid double the amount due.
Consumer complaint received 2019-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

On XX/XX/XXXX I had sent an email to Navient via Online Services for a request to review my loans. I have consistently paid these loans on time. Due to the amount of original disbursement repaid ( 220 %, 189 % and 147 % respectively ) I was requesting these loans be reviewed by a decision-maker within Navient XXXX XXXX XXXX. Instead, I always get tied up in their switchboard run-around of operators and automatic-messages and can not have an independent banker or loan officer review my case. 

After sending a detailed letter on XX/XX/XXXX, I received a response on XX/XX/XXXX : " Thank you for contacting us with your inquiry. 
Private credit loans do not qualify for loan forgiveness programs. '' I feel that this message is cold and unforgiving and my case has not been taken into consideration. There are many money lending services, including credit card companies, where if the original amount ( plus a little extra ) is paid off the company will forgive the debt if it's been repaid by a lot, or settle on a much smaller 1-time fee payoff to close the account. 

I have much more documentation and am happy to provide it as needed. Included in the attached files is a document detailing the full scope of my situation.
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (KY)

I recieved a reminder for a payment and informed them that it was an incorrect date. I also asked for an extension on the payment due to not being able to pay on the date. I have worked with this company before and an extension was not an issue. This person stating that it wouldn't be able to be extended even after I explained it would cause a charge. They refused to assist and stated that they would still process the payment. They then stated after it didnt go through they would contact me. On the reminder email it says call if there is a concern paying and they still refused to assist.
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: Diversified Consultants, Inc. (PA)

Over a month and a half ago, an XXXX dollar collections account came off of my credit report. It was on there on estimate 5-7 years. It came off, I went to get a loan at the bank and when my credit was pulled I had zero accounts in collection. Now, as of today it reappeared in my credit report and screwed my score up bad. I wasn't notified of a reinsertion. It's been years. They cant re age my account. It was removed. I disputed it with Experian but it needs to be removed asap.
Consumer complaint received 2021-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (NY)

Pursuant to Ally v, Alberta Haskins ended in a settlement due to same conduct of unfair debt collections practices pursuant to 1016.3 ( b ) ( 1 ) ( 2 ) ( i ) ( A ) ( B ) ( C ) ( D ) ( E ) ( F ) Ally Financial DBA Ally Bank Never used a clear and conspicuous notice Refused to send documentary evidence and validation and still repo a vehicle that was never in there possession i sent them, a UCC 11 Lien search and they never produce a valid lien Pursuant to 15 USC 44 and 31 USC 3733 ( l ) ( 5 ) XXXX XXXX XXXX XXXX is the only party on contract as Seller and Creditor They went Bankrupt and ally is trying to enforce a contract that doesn't exist Allegation ( s ) : Ally Financials repossession notices handed out to their banking clients did not meet the laws standards. Pursuant UCC 9 the promissory note was legal tender an acceptable form a payment through my signature that the original creditor was paid i never received an acknowledgement if a UCC was files im requesting the ally financial to provide the note and documentary evidence AFFIDAVIT OF XXXX XXXX ENCLOSED
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (AL)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: KEYCORP (IN)

I have had consistent issues with KeyBank 's web site as well as making payments and completely LOST IT on them tonight. 

They are always placing blame on the bank, or sorry we are having issues with our site and then charging late fees! 

Like I have time to sit and monitor when my payment goes through, when it doesnt, and when their site decides to work. 

I want ALL late payments reversed. 

Please see documentation showing payments being made then for some unknown reason which Key can not figure out, they disappear into never never land and no one can tell me why the payment has not cleared my bank. 

Of course its the banks fault. 

I have double checked the account, its accurate. 

Please see the uploads and assist. I think they are trying to obtain a boat that is almost paid off and sell it. 

I actually re added the account and it says it already exists, just to verify the account number and routing is accurate.

ITS THEM! Please assist. This is unbelievable. I love the customer service rep tonight that said, " I understand your frustrated .... '' with a TUDE. I mean REALLY?? Its not a problem that you, Key Bank, are having major issues accepting payment from a legit bank account and I am the problem?? That I say Its YOU? That is a problem?? 

They need to get on the ball and explain WHY my payments are not being cleared. 

Thank you.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMPQUA HOLDINGS CORPORATION (OR)

Received an email on XX/XX/2019 from XXXX confirming my order. Found out my former partner used my XXXX account to order some items using his debit card. I called XXXX, changed my password as directed and cancelled the orders I did not place. On XX/XX/2019 I received an email about one of the cancelled orders was shipped to my former partner, after I contacted XXXX about the unauthorized use of my account ( due to shared computer that I could not wipe before being forced from my home on short notice, XXXX  XXXX situation ). As far as I understand, the light was defective and returned, and a replacement item was shipped on XX/XX/2019. 

My former partner was refunded by XXXX for this order, then my debit card was charged. I asked Umpqua bank to investigate the charges because I NEVER AUTHORIZED THIS CHARGE! But was told by Umpqua that this is not fraudulent activity because my former partner had access to my information and I kept payment information in my XXXX account. I do not understand why XXXX is not charging my former partner 's card for this item when it was used to make this purchase, or why a replacement item was sent on XX/XX/XXXX when I cancelled the order 9 days earlier. 

On XX/XX/2019, received an email from XXXX that my account was being charged for the order cancelled in XXXX because the item was never returned. I called XXXX to try to resolve but was only told that I needed to return the item for a refund. Repeatedly told XXXX to charge the original payment account for the order, not my debit card which was saved in my payment accounts with XXXX and never authorized for this purchase. 

Contacted Umpqua bank subsequent to this conversation ( appx XX/XX/XXXX ) and was offered provisional credit while this was being investigated. The result of the investigation was a rebuttal from XXXX that my debit account could be charged since the order was made from my XXXX account. I told Umpqua bank the original payment method for this order should have been charged. 

XXXX sent an email on XX/XX/2019 informing me that a refund was being issued. The refund was issued to my former partner. XXXX charges my debit card The only alternative that Umpqua bank has offered is attempting to work this out with my former partner, and if he does not pay me back for this item, that I need to contact law enforcement and get a police report for the fraudulent use of my debit card. My partner did not use my debit card for the original purchase, so this is not true. If anything, the fraudulent charges are due to the unauthorized charges made to my checking account by XXXX. 

This problem has created an undue financial hardship, as I am XXXX and on a small fixed income.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

On XX/XX/19 Radius Global contacted my mobile phone claiming XXXX XXXX had sent my unpaid balance to them, the collection agency, requesting I pay them {$140.00} dollars in a rude manor. They have called me many times day and night. I have contacted XXXX XXXX and have verified that nothing had been sent to any collection agency, there was only a slight residual balance of {$16.00} I paid them directly, so I feel it is my responsibility to inform others of this fraudulent organization.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (NC)

Barclays us bank deleware FDIC complaint # XXXX ) that was referred to the cfpb in XXXX XXXX not yet recorded on my file at the cfpb barclaysusbank of deleware accessed my personal credit reports eleven years ago and put a joint liability Undesignated owner account With beneficiaries Unknown to me It has remained on my credit without my knowledge or authorization for eleven years I reported it to the fdic after pulling my credit after being denied a loan in XX/XX/XXXX I have been trying to obtain the account history of all monies transferred in and out of these accounts and purchases ever since via email mail and phone Their barclaysusbank letter of XX/XX/XXXX stated That a copy of the electronic application was enclosed with their correspondence It was not Also as joint owner of the accounts I have lawful rights to obtain the information regarding the transactions of this account And all the Names of the beneficiaries And monies used transferred and money instruments purchased thru the luxury us bank My credit report specificAlly states UNDESIGNATED OWNER
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

Paypal is claiming that I have a negative balance in my account of {$79.00}. 
I have tried to resolve this with their online dispute resolution process unsatisfactorily. They are claiming the only way to resolve the negative balance is to pay it. 
However, Paypal can not explain how the negative balance appeared in my account. 
Based upon how I use Paypal ( I use it for security for online purchases and for convenience, and it immediately debits either the XXXX XXXX or the XXXX cards that I have connected to it ), there should not be a negative balance. 
I only use Paypal to make purchases which are immediately charged against linked credit cards ; I do not use Paypal for any other kind of transaction ( for example, I do not sell anything or use Paypal to collect funds for any purposes ). 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX