davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX, Experian, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NY)

American Express moved me from paper statements to paperless billing without my knowledge or consent. I do not have an online account. I never signed up for paperless and I don't want to. As a result I receive NO bills and my payments are invariably delayed. 

I have tried multiple times to fix this situation with American Express by requesting a return to regular paper bills. American Express refuses to do this - even though the move to paperless billing was not authorized by me in the first place. 

Any help you can give would be appreciated
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I sent a check to pay off my Comenity Bank/CEASARS REWARDS Visa card in the amount of {$4200.00} using check number XXXX. This payment was sent by mail from my home on XX/XX/23. I have provided a copy of the check that has cleared the bank on XX/XX/23. This check was provided due to a mortgage refinance to pay off my debts. Unfortunately, this payment has not been applied to my account. 

I have sent multiple secure messages providing an image of the cleared check, spoke with multiple customer service representatives, and am now being told that I need to submit a new request for review in writing as of XX/XX/23. I have never had this much trouble with a credit company researching an error that has been reported.
Consumer complaint received 2021-11-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I got a voicemail from a debt collector on Wednesday XX/XX/XXXX stating that they have been trying to reach out to me and at this point they are going to process court paperwork against me for misdemeanor criminal charges and told me to call back the attorneys office or they would send someone out to my work to serve me. I called them back immediately, worried and confused about what was going on and they pushed me to sign paperwork on the spot stating that I would pay {$150.00} on Friday XX/XX/XXXX, {$450.00} on Friday XXXX and another {$600.00} on Friday XX/XX/XXXX. They said that would be a {$1200.00} settlement to get me out of the charges against me. I discovered it was a scam the same day and the next day on Thursday XX/XX/XXXX I went to my bank and closed my account so they wouldnt garnish my wages. Since then, I have received 8 very threatening voicemails from them stating all sorts of things like I have a bench warrant out for my arrest, that I used a stolen card to purchase my new vehicle, they even called my mother and tried to get her to tell them where I work, then threatened to send them out to her house tomorrow and called me the embarrassment of the neighborhood. The last voicemail I received was today, XXXX at XXXX talking about them sending people to my mother home tomorrow and demanded I must be present with 2 forms of ID.
Consumer complaint received 2021-11-02
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. (GA)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (OH)

XXXX XXXX stole my phone and made transfers to his friends from my account and stole my money. I contacted current bank right away and they checked into it and said there was no errors and I would not get the money back or anything done about it.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I contacted Bank of America about a fraudulent charge on XX/XX/2022. The charge originally posted for {$1000.00} on XX/XX/2022. 

I have told them it was fraudulent and they will not reverse the transaction. I have sent in all documentation required.
Consumer complaint received 2021-11-02
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. (AL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 6. XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX ; 7. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 8. XXXX XXXX Inquired on XX/XX/XXXX ; 9. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 10. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 11. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 12. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 13. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 14. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 15. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 16. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 17. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 18. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 19. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 20. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 21. XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. TransUnion has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Consumer complaint received 2021-11-02
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: TRUIST FINANCIAL CORPORATION (IA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on REGIONAL ACCEPTANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-02
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: Sequoia Financial Services (CA)

Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with Sequoia Financial Services XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX '' to obtain a free quote for the cost of building a deck on my home. XXXXlXXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, Transunion, and XXXX. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX '' appeared on my credit reports and I determined that XXXX fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX letting him know how furious I was that he had taken advantage of me. XXXXl knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Consumer complaint received 2021-11-02
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: Lending Club Corp (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to LENDING CLUB CORPORATION but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a request to TransUnion via certified mail return receipt on XX/XX/2021 and it was received on XX/XX/2021 ( Tracking # XXXX ) and I let them know there was incorrect inquiries reporting on my credit report. Those incorrect inquiries negatively impacted me while trying to obtain a mortgage. I have attached the request sent ( Transunion Dispute Letter.pdf ). Transunion elected to completely disregard my rights to an investigation under FCRA and instead sent the attached letter ( Transunion Response to Credit Dispute.pdf ). Given that more than 30 days have passed since they received proper notification and have failed to conduct an investigation into the incorrect inquiries I am requesting that Transunion remove all requested inquiries from my credit report and send an updated credit report reflecting the changes.
Consumer complaint received 2021-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Granite Edvance Corporation (WA)

Granite State Management and Resources spontaneously stopped processing electronic payments for approximately a 4 mo period between XXXX XXXX and XXXX XXXX ( after 13+ years of not missing a payment ). They then spontaneously started working again. During this timeperiod I made multiple attempts to pay my loans ( above the minimum payment, an adjustment that started the issue ), received confirmation that the payments when through ( there were sufficient funds during this timeperiod ) and then 10-15 days later they failed to process them, didn't communicate directly with me ( as they had when they worked ). They used 3 different electronic communication methods during this time, one of which was a secured notice via an email notification that expired and was deleted from the history page on line within 4 days of being sent. GSMR failed to respond to my queries and then reported my account to the credit agencies as 90 days late. This came in as a duplicated delinquency as it was a consolidated loan, noting here there was no way to separately pay these accounts through GSMR. GSMR has been unwilling to address the issue and customer service has led to the same individual who is incredulous and rejected my request for review before receiving any of the supportive information where I had detailed this issue chronologically. If you had similar issues during this timeperiod please report it to your state attorney general and on this forum. Prior to this issue I had a perfect payment history and a credit score in the mid 800s.
Consumer complaint received 2021-11-02
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: Nelnet, Inc. (GA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Emmett L. Goodman, Jr., LLC (GA)

I called the attorney that represent the agency and made an offer, because I was served on XX/XX/2021. They would not settle. The account was sold to a collection company and the amount is incorrect. Going to court will take time and money and will cause a bigger set back for me due to my current situation.
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, give authorization for TRANSUNION LLC to move forward with this complaint. I am in receipt of the attached investigative report from TRANSUNION LLC. In good faith, I exercised my right in demanding to see proof of validation for alleged accounts that have been furnished on my consumer report. However, the attached investigative report does not provide any documents that I requested to see that proves the validity of the alleged reported accounts. TRANSUNION LLC is displaying malicious intent by damaging my reputation and making me seem not credit worthy. I now run the risk of being denied credit due to them reporting false and inaccurate information on my consumer report and file. The following alleged accounts are false and inaccurate : 1. US DEPT OF EDUCATION # XXXX with alleged balance of {$5800.00} opened XX/XX/XXXX 2. US DEPT OF EDUCATION # XXXX with alleged balance of {$2300.00} opened XX/XX/XXXX 3. US DEPT OF EDUCATION # XXXX with alleged balance of {$2200.00} opened XX/XX/XXXX 4. US DEPT OF EDUCATION # XXXX with alleged balance of {$5600.00} opened XX/XX/XXXX 5. US DEPT OF EDUCATION # XXXX with alleged balance of {$5700.00} opened XX/XX/XXXX 6. US DEPT OF EDUCATION # XXXX with alleged balance of {$2400.00} opened XX/XX/XXXX -I NEED TO SEE THE PROOF of who were the known associates of XXXX XXXX that might have information in regards to any of these alleged transactions that TRANSUNION LLC contacted to validate these alleged accounts. 

-I NEED TO SEE THE PROOF of how TRANSUNION LLC has this calculated amount that I allegedly owe. 

-I NEED TO SEE THE PROOF of where TRANSUNION LLC got this information to obtain this type of report when there are missing records. 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and reported as closed. If the reports are closed why is that the alleged accounts have a balance. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and show in collection without ever being late. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and have no payment history from when their records say the alleged account was opened. But out of nowhere the alleged account reports in collection. How is this accurate reporting? 

Any competent person can see that this is 100 % false and inaccurate reporting. As a result, the mentioned alleged accounts must be blocked, removed, and deleted from my consumer report and file IMMEDIATELY per my written instructions.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a XXXX XXXX XXXX ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I've been contacting CAPITAL ONE BANK USA about their error. They are reporting an incorrect/false information. Account involved in litigation " an incorrect high balance and inaccurate date of last activity " REAGED ACCOUNTS '', " reinsertion without proper notice '' a charge off was listed. 

THEY HAVE TO DELETE FALSE INFORMATION AS IT IS HIGHLY DAMAGING ON MY CREDIT REPORT. THEY SHOULD DELETE IT IMMEDIATELY.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

This company is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Below is the erroneous account reporting on my Credit Report : 1. CAPITAL ONE XXXX Balance {$750.00}