davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

I was signed up for that Experian trial credit repair thing after the first time logging on I realized it doesn't do anything for me and was completely useless so I tried to cancel my membership said it was canceled next month they charge me for it and they have continued to charge me every month since it took me over five months to be able to get through to a human and when I finally get through to the human they told me there is absolutely nothing they can do they will not refund it even though I do not access it. They did show that somebody access to my account on XX/XX/XXXX but not from my location so my account was hacked therefore they are pretending I was the one who accessed it I even received an email saying my account has been accessed from the last day this happened. So when I finally do talk to customer service they tell me they don't do refunds I asked to speak to the supervisor or manager at the very beginning of the conversation the customer service representative refused to transfer the call to who I was asking for. Explain to me how I have had my identity stolen and somebody else has all my information and how I have file police reports on this already and the guys response was " well that shouldn't be true '' so I got upset he called me A liar and asked for the 5th time to be transferred to the supervisor. He finally responds with " thanks for your behavior '' and transfers me. The supervisor answers the phone with the tone in his voice and he's automatically not interested in speaking to me nor willing to help I explain to him how I've been asking to speak to him since the beginning of the phone conversation but the other representative refused to transfer my call. To which they were supervisor respond very on interested he still with OK well will make a report and there's nothing we can do to refund you. Thanks have A nice day '' then hung up on me. Without A resolution. But before hanging up on me they said they can at least refund one of the payments but by the end of the phone calls they decided they weren't going to refund it anymore so they chose to keep my money for no reason after they were refusing to help me, calling me a liar, getting an attitude with me, and not letting me speak to who I asking to speak too.
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Hello, I got a call with threats to call a number if not they will file a case against me. I believed it was a scam and asked them to leave me alone because they said they couldn't provide any information to me. A week later, my sister texts me and told me someone called and asked for me, and left their name and number and asked for me to call back, if not there was going to be a case filed against me. I finally called and they told me I need to pay {$300.00} if not, the court will charge me {$1000.00}. I got intimidated and paid, but now I will be struggling to pay my rent. I am the only one working at home with XXXX kids to provide for due to Covid, and now I will be short with my rent. They said I need to pay in full and did not give me options to pay in payments.
Consumer complaint received 2022-08-28
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: NCB Management Services Inc. (TX)

This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX sold my debt to NCB Management Services , INC., who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. XXXX sold the debt to NCB Management but is still actively holding the credit item on my account. NCB Management agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? XXXX or NCB Management. XXXX must comply with the terms that were made after they sold the debt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I

n 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. Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2021-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I opened an XXXX XXXX business credit card on XX/XX/XXXX. I never missed a payment on this credit card. In XXXX, XXXX I was still in the grace period, I called XXXX XXXX to let them know and they said, its not a problem, youre a good customer, this doesnt reflect your personal credit anyways as its a business credit card. However, XXXX XXXX did indeed report this credit card per Experian, Ive tried disputing this several times with no success as Experian doesnt like helping the consumer. Please either remove this account from my credit report or remove the late payment as this was a business credit card, not a personal credit card.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My PayPal account is on a 180 day hold which is closed for no reason and they will not help me get my account back and I havent got no response yet from months and this happened last year in XX/XX/2020 so I been waiting to get withdraw my money from the account which I have at least XXXX in the account my PayPal account name is XXXX and email is XXXX XXXX
Consumer complaint received 2021-04-22
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. (FL)

The accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all please.
Consumer complaint received 2021-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

two fraudulent accounts were being reported on my credit as having a balance due with Capital One. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX  report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to Capital One through XXXX.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Several months ago - several charges showed up on my XXXX XXXX bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( XXXX months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.
Consumer complaint received 2021-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2021-04-22
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

I applied for an American Express XXXX rewards card, having been solicited by mail for an offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within 3 months. 

Before agreeing to the terms and conditions of the card, I explicitly asked the sales representative if I qualified for this promotion, since I have participated in others in the past and want to be sure I will still get my points after reaching the spend target within the first 3 months of opening the card. 

I was told, over the phone, that I DID qualify for this promotion, and so depending on this assertion by the sales representative, I agreed to sign-up for the card. 

A few months later, I was told that, under the T & C 's of the card, I DO NOT qualify for the XXXX XXXX XXXX points. 

AmEx should tighten-up their training of agents and improve their internal reporting tools. If this was not a training or reporting system issue, then their agents are deliberately mis-informing prospects about the qualification for promotions, and this should be sanctioned by the CFPB.
Consumer complaint received 2021-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX I have documentation for all I am disclosing if needed. So I have XXXX XXXX they said my score was XXXX Transuion good XXXX XXXX Excellent. So I applied for a loan.The bank said my credit score is XXXX and stated that this is XXXX score and the loan was declined. I contacted the bank they said this is my score from XXXX. Then I pulled my credit score from iXXXX it said XXXX transunion XXXX XXXX and XXXX 674. I also pulled Transunion score it said XXXX. Please tell me what score is correct this is very unfair to consumers if I knew my credit was in the 600s I would have never applied for the loan and would have worked on improving it. I retrieved these scores by following the letter from the bank.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (TN)

Automated Collection Services claims that I owe {$4100.00} to XXXX XXXX. I have informed them several times that I have never had an account with XXXX XXXX. I've asked them to show me an agreement in which XXXX XXXX authorizes them to collect on this alleged debt and I've also asked them the show an agreement with XXXX XXXX that bears my signature. They've not been able to provide me with either. They can't because I've never had an account with XXXX XXXX. This company is beyond horrible. They bought this debt for XXXX on the dollar and want to make a quick buck by any means necessary even if that means not having proof that you owe a debt. Unethical companies like this should not be in business.
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing this company charges you XXXXXXXX XXXX to pay your mortgage every month, i am unable to get on the website even to pay my mortgage and the company will not help. They hold your mortgage statements til the end of the month so that your mortgage will be late if you send it in, and even then they will hold your mortgage payment until the due date has passed so that the payment is made late. This is NOT random, it happens every single month. This company has got to be breaking the law, and i am at my wits end, all i want to do is pay my mortgage in a timely manner, and they truly make it impossible on purpose. PLEASE HELP!!!!!!
Consumer complaint received 2022-07-24
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. (MI)

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XX/XX/2022- Experian. Over 30 days NOT RESPONSE!! Please refer to complaint # XXXX. " Company response is in progress as of XX/XX/2022. '' I have NOT received feedback from the complaint number XXXX. 

I posted proof that a XXXX XXXX account was deleted from my Experian account 3 TIMES. 

The XXXX XXXX account was DELETED 3 TIMES. Therefore I cleary proved there was inaccurate infomation. 

WHY WAS THE XXXX XXXXT PUT BACK ON MY CREDIT REPORT AFTER IT WAS DELETED 3 TIME. 

I have attached the printed out credit report from the website. It shows the dates and deletions. 

Laws have been broken : Subsection 606 15 U.S code 1681d ( b ) 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

612. Charges for certain disclosures [ 15 U.S.C. 1681j ] DOCUMENT ATTACHED. SHOWING PROOF THAT THE XXXX XXXX  account was deleted 3 times!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The current addresses on my credit report are incorrect, please upload to this address " only '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct ASAP.
Consumer complaint received 2023-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I reviewed my XXXX Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX