davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Midwest Recovery Systems (CO)

In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, Equifax or XXXX. 
I have reached out to XXXX and XXXX XXXX. Equifax and XXXX are unreachable. When I use my information to create an account it does not work.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I went to a chase ATM to deposit cash, I submitted {$2200.00} dollars all in {$100.00} bills when the ATM swallowed my money and said that an error occurred and that I need to contact the phone number provided on the screen. I called that number while I was in front of the ATM and submitted my claim information in regards to the atm machine, time and all the information they requested. I did not get a receipt from the ATM with the amount i deposited and chase just gave me a claim number. Yesterday when it was one month, chase took {$1100.00} from my checking bank account and therefore I called them and they said there is nothing they can do as they only found {$1000.00} in the atm, now my checking account is on negative and I have no answer on when is my money going to be returned or what can be done in order to solve this issue. They closed my claim yesterday.
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

Experian ID Works is doing credit monitoring as a result of data breaches by two entities. Their system can't handle this. I tried to have them set up two accounts for the two data breaches, but they told me it was impossible. When I tried to log in, I am effectively locked out of my credit monitoring accounts. When I tried to have this corrected ( today, on XX/XX/2023 ), they required me to have the code that came with the letter from the party whose data was breached. I had already shredded the letter so I no longer had the information. And, they said they couldn't work backward to discover the incidents for which the entities bought data breach coverage.
Consumer complaint received 2023-07-07
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. (NJ)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (TX)

This is regarding a 2nd Draw PPP loan originally with XXXX XXXX  ( acquired by PNC Bank in late XXXX. ) PNC Bank is using an erroneous definition of maximum loan amount for XXXX XXXX owner-employees and therefore only applied for partial forgiveness of my PPP  Loan with XXXX. I corresponded with PNC Bank 's PPP loan specialists primarily throughout the month of XXXX. They took a position and didn't consider the information presented regarding their erroneous interpretation of XXXX guidance ( FYI- I'm a CPA with over 30-years experience in tax an accounting matters. ) Rather than look into the matter, they just kept informing me I could file an appeal with XXXX if I didn't agree. Their position was that for XXXX XXXX owner-employees, health insurance was not included in cash compensation or " gross wages '' and didn't count for purposes of determining the maximum loan - therefore XXXX 's loan to my XXXX XXXX was greater than the maximum allowed and the excess did not qualify for XXXX forgiveness XXXX The salary amount was small ; no were near the maximum salary threshold, meaning health insurance should have been included in determining " gross salary '' and/or cash compensation in calculating the maximum amount that can be borrowed. 


References : XXXX 's : Paycheck Protection Program " How to Calculate Maximum Loan Amounts - By Business Type '' dated XX/XX/XXXX and also their " Second Draw PPP Loans : " How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide '', as of XX/XX/XXXX.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (OR)

Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks.
Consumer complaint received 2023-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just XXXX time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I was a victim of a culinary school named XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj. These people use we the urban people our information to scam the government. I was on XXXX XXXX news when I made my complaint back between XXXX. This is totally unacceptable and unconstitutional.I am totally hurt and disgusted that I was used as a pawn in the corruption and scandal of these scammers. Now its is effecting my credibility with the government also my high honors achievements as a student bares no value in the culinary profession. This will be corrected and my account with the student loan needs to be suspended permanently due to fraudulent activity. President Biden has the program for student loan forgiveness and I need to be apart of the program as well. And when you do find these scammers prosecute them all to the fullest extent of the law. What they have done was a Major federal crime and violated the constitutional rights of the citizens of the United States.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NV)

I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Date : EXPERIAN XXXX XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX XXXXXXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Consumer complaint received 2023-09-16
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: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding my repeated and unsuccessful attempts to correct inaccurate late open accounts and public records on my credit report. Despite my diligent efforts, these inaccuracies persist, causing significant damage to my creditworthiness. 

The issues I am disputing are as follows : XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX. 

I have taken the following actions to address these issues : I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to late open accounts and public records. 

Subsequently, I followed up to inquire about the progress of my dispute and request updates on the investigation. 

Regrettably, the inaccurate late open accounts and public records remain on my credit report, negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate late open accounts and public records from my credit report. Timely resolution of this matter is vital for my financial well-being. 

Please provide a written response within 30 days of receiving this letter, as mandated by the FCRA, outlining the steps you have taken to address these issues and any changes made to my credit report. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (NY)

We moved from XXXX to XXXX, and before moving, we went to XXXX and closed our account. Two years later, we have received a notice that we owe {$210.00} in account inactivity fees. We called XXXX and informed them we had closed the account two years ago. They say they have no record of that. Now we are receiving collection notices from Glenn Associates Mid-Atlantic, Inc.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (LA)

Asset care appears on my credit but I have never been notified by mail or by phone that I owed any amount of money. I would like the report in writing and when and where they obtained this debt and what the process was since it states it was XXXX of this year that it was opened and I have no knowledge of this. I have never heard of this company nor have I ever heard from them. How can they report to the credit bureaus if I was never notified of the debt? I would like this flag on all three of the credit reporting agencies removed.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.