davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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)

XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and experian request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (TX)

XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and XXXX  request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to Transunion  and XXXX request for the positive information, causing Transunuin to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-20
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. (FL)

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

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 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc. (TX)

I went to emergency at XXXX XXXX off of XXXX XXXX in XXXX XXXX for a insect bite on my face XX/XX/XXXX, I have insurance and gave the hospital all off my information and XXXX card that have the medical record number and phone number on it, well the hospital never tried to billing XXXX which is in California at all, I reached out to XXXX for a record and they said there was no record of attempt from XXXX or the collection company Harvest Associates Inc . I contacted the collection company inXX/XX/XXXX and in XX/XX/XXXX and they actually wanted me to do there job and reach out to my insurer which I did my insurer told me they the hospital had 180 days to bill them in which they didn't even attempt. I didn't find out it was on my credit until XX/XX/XXXX. please help with this matter. Amount is {$770.00} Also have been insured with XXXX XXXX sinceXX/XX/XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I believe I am a victim of predatory loan practices. attended XXXX XXXX University from XXXX and graduated in XXXX. As the first woman in my XXXX-American family to graduate from college, I have struggled financially. Five of my loans with Navient ( formerly XXXX XXXX ) more than doubled from the original principle amounts. I have been in repayment for 10+ years and will not pay off loans and interest for more than 20+. This company is legally holding myself and others in financial bondage with no repercussion.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (TX)

I paid off my car lease with XXXX XXXX XXXX. Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit 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: REGIONS FINANCIAL CORPORATION (IN)

We have had a Superfleet/Fleetcor fuel card account for years and have been paying an additional " Fraud Protector '' fee every month. Beginning with our XX/XX/2020 invoice, we noticed suspicious transactions on the invoices. We were not alerted to these, even though they were for large amounts, out of state, had fake odometer readings, and/or were multiple purchases in a row at the same location. Part of our " Fraud Protector '' fee is to be alerted immediately for any suspicious activity. We had to wait until we received the invoices and reviewed them to find the transactions ourselves. The transactions are blatantly and obviously fraudulent. We immediately shut off the cards involved, PINs, and spoke with the employee. Our employee stated that he received a text from who he thought was a supervisor with the company for his PIN. The employee sent it to him, not realizing it was a scam. We pulled all of the fraudulent transactions, totaled them, and began the dispute process. The fraudulent transactions totaled {$33000.00}. ALL of the disputes were denied, as Fleetcor said that " they could not prove a pattern of suspicious activity '' or that our employee shared his PIN number, etc. Fleetcor is demanding that we pay the {$33000.00}. The " Fraud Protector '' program is a complete scam for them to make more money through fees, since they won't actually reverse or handle any ACTUAL fraud that hits the account.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WY)

I made an online purchase to XXXX 's in the amount of {$24.00} on XX/XX/XXXX. Anytime I make an online purchase, I use my Paypal account and use my PayPal credit card to make the purchase. I triple confirmed that is the account I used to make the purchase and it was. Today, XX/XX/XXXX, I look at my bank account and see I am overdrawn almost {$43.00} due to PayPal putting the purchase through my bank account and the bank charging me {$30.00} for a NSF fee. I never authorized that. I triple checked the funds available on my credit card to make sure I had the funds to cover the purchase and I did. This is the second time this month it has happened. I was looking at my transactions on my PayPal account and discovered the authorization on the XXXX was Cancelled! I contacted the credit card company and they informed me, and assured me, it was either PayPal or the merchant that cancelled it, not the card company. I have contacted Paypal and they put the blame on me that I have my settings as prefer my bank account. I do IF i do not have the funds to cover a transaction. There was no reason for the transaction to go through my bank. If I wanted that, I would have chosen my bank instead. I did not have the funds to put it through my bank hence I used my credit card. They are not helping me at all. They are still placing the blame on me and how I have my settings. This is not how you treat customers during a pandemic when they have no funds coming in and are trying to survive on the little money they do have.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

This company CREDENCE RESOURCE MANAGEMENT which I hold NO CONTRACT has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1500.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is collecting for Citi Bank Credit Card. Due to my XXXX and unable to work due to the covid19, I hired a bankruptcy attorney Atty. XXXX XXXX. XXXX XXXX XXXX were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Experian has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Experian was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Experian a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information was wrong. I have yet to hear from Experian. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Experian.
Consumer complaint received 2021-01-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (FL)

Credit Karma Inc is the company I am complaining about. 

When I did my taxes on XXXX credit karma suggested I put my refund in a new savings account and they would match it at a certain date in the future. The only stipulation I saw was that I had to keep the account open until XXXX in order to get the matching bonus. I have spoken to them many times and they say that Im not eligible for this bonus. Every time I call I get somebody overseas that doesnt seem to understand what was advertised in the United States on XXXX website. They keep talking about a bonus {$50.00} or {$100.00} however that was not what I was offered when I open this new account with my tax refund. I was offered a dollar for dollar matching which in my case was {$110.00} and now credit karma says Im not eligible and I disagree so Im filing this complaint.
Consumer complaint received 2022-07-11
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)

I had one account with XXXX XXXX XXXX  which was in great stands by the way since XXXX. I received and alert equifax, XXXX XXXX and XXXX XXXX  from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: EQUIFAX, INC. (PA)

This is the third time sending this FTC report and the supervisor from EQUIFAX XXXX XXXX and his I.D number XXXX was very rude was not helpful at all. He told me he seen I sent the last two FTC reports with my ID but still refuse to help and even hung Up me. please delete these fraud inquiries off my report immediately
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Spoke with Bull City and a rep by the name of XXXX on XX/XX/2020. Disclosed to her I could only pay one account at a time. I asked her when I paid the {$180.00} of the {$370.00} ( it is 2 accounts for {$180.00} a piece ) if it would be removed from my credit file was told yes. When I called was told not the case and I needed to pay the entire balance or it would not be removed. I did not get the paperwork from them only notice I got was when it hit my credit report.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

XX/XX/2020 charged {$29.00} late fee after a representative advised me the company was not charging late fees during the Covid-19 Pandemic. They were also aware I lost my job due to the Covid-19 Pandemic.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

after maybe 3 months or so i finally was able to sit and thoroughly go through my bank statements which is when i did notice multiple un authorized transactions on my acct, i understand the time frame does lessen the validity of the claims but i have had more than {$20000.00} in this account which made it very difficult to try keeping up with purchase, each claim i filed you denied which makes me feel you didnt thoroughly investigate, prior to filing a claim i reached out to the merchants and were unable to resolve them, i provided you with the person name phone number and address for whom i believed made these un authorized purchases .Even took the precautions to get a new account number. the claim amounts were {$170.00}, {$41.00}, {$170.00}, {$200.00}, {$200.00}, {$1400.00}, {$170.00}, {$120.00}.