davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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. (CA)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.
Consumer complaint received 2022-04-24
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. (PA)

My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXXXXXX XXXX  Veteran Attempting to purchase a Home.
Consumer complaint received 2019-11-12
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. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I recently had a debt that I was paying off which was referred to TSI ( Transworld Systems IncXXXX ) for further collections actions, when the debt was received and I acknowledge the debt and let them know that the balance they were collecting on was incorrect and I would like to get a correct statement of the balance owed because the amount is incorrect since the payment is being made and the account is not being credited or updated with the current payment amount. 
The TSI representative was short and impatient was not helpful in researching what was being provided, at the beginning of the call the representative provided the mini Miranda and during the discussion of the debt I also referred back to the mini Miranda " this is an attempt to collect on a debt and any information obtained will be used for that purpose '' the amount you are collecting on is incorrect and since your balance and my balance is not matching and I am requesting validation of the debt amount and all the payments received on the account. 
The representative stated that they have no way of getting the information but they can get a validation of debt, I requested the validation of debt information to be mailed to me and to date nothing was mailed or received. 
I received a statement from the creditor which I sent to TSI for verification of payment received and posted correctly to the account.

Based on the fair debt collections practices TSI failed to carry out the proper verification of the debt which may result in an overpayment since the debt was paid off and no confirmed updates were sent communicated to the credit by TSI.

Please investigate TSI practices and communication methods to include aggressive collection practices and incorrect balances when verifying the debt that is owed. 
Please investigate this complaint promptly.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (CA)

in XX/XX/2018 I went to XXXX XXXX  to have missing and infected XXXX  treated, was told to apply for Care Credit to pay part of my treatment payments.XXXX XXXX  applied on my behalf and approved {$1500.00} credit.my XXXX  work was never completed while I was making payment and up to this day XXXX XXXX refuses to correct the problem. I contacted Credit care to let them know no future payment will be made because i am not satisfied all they did was forward me the bill from XXXX XXXX  stating that services were performed
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company
Consumer complaint received 2021-02-11
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. (VA)

My Equifax Credit Score is 70 points lower than XXXX and 69 points lower than XXXX because there is a notation in the credit score that I declared bankruptcy which is not true. I have never ever declared bankruptcy. This has been on ongoing issue for years and they refuse to correct it. Every time I call, the service reps claim they can not find that notation. It isn't reflected on my credit report with my account history but I tell them that the comment shows up in the credit score section. Consequently, my only recourse over the years is for my husband to apply for credit by himself. I want it fixed. I recently found out about your organization over another issue. I was hoping you can do something.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (TX)

I received a phone call a few weeks ago concerning a debt owed to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
There is a further reference about a XXXX XXXX XXXX, I don't know of them either.
Consumer complaint received 2019-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

Barclay 's XXXX XXXX credit card is charging interest in excess to those disclosed. Instead of charging interest on my remaining balance each month, they are charging interest on the value of my remaining balance PLUS the balance of all purchases made during the next month. 

For example, my credit card bill in XX/XX/2019 was $ XXXX and I paid off {$4400.00} ( I am rounding number here to make my example easier ). My remaining balance was {$600.00}. In XXXX, I charged $ XXXX on my card. The interest charged on my XXXX bill was on {$9600.00} instead of XXXX! 

I reviewed the disclosure on my bill. I have a XXXX degree and I don't understand it. I can't imagine what others think when they read it. My friend worked for the CFPB as an examiner and told me to file this complaint.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-21
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2020-05-21
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (TX)

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 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
n account without my written instructions.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

I booked in XX/XX/XXXX a ski festival package with XXXX, in beginning of XX/XX/XXXX the festival was cancelled, after a quick call to the provider i was promised a full refund and after a few days they emailed a few times that by XX/XX/XXXX i will get a full refund. Fast forward to mid XX/XX/XXXXthey just offering a voucher for the future. I went ahead and disputet the charge however chase sided with them, since its a government shutdown, which doesn't mean i have to pay for that and ignoring all the times they guaranteed a dull refund.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (GA)

Barclays did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020. 

On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX  / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement. 

I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief.

The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief.  The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges. 

I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and  correct my account history and credit report.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

We are members of XXXX who signed all members up for credit monitoring and reporting. Somehow they must have given Experian the incorrect email address. As a result I am unable to access my account not on line, not by phone and XXXX has the correct information but Experian does not. My email adress in the system at Experian account is already " being used by another person '' and when I ask to reset my password or sign in the email goes to the wrong email address. I am transferring my job out of state on XX/XX/2020 and my credit needs to be accurate so I can rent new housing there in Utah. This is terribly frustrating and no access to a human at Experian ever. I have called 15 times. I called XXXX also. They say it is not the problem of XXXX. Can you help me get a person from Experian to speak with so I can correct the issue please? Membership ID # XXXX at Experian
Consumer complaint received 2020-05-21
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2020-09-03
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: HW Holding, Inc (GA)

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, Hunter Warfield   contacted me. I again questioned the validity of the information. Hunter Warfield sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted Hunter Warfield upon which they sent the exact same incomplete  information. XX/XX/XXXX and XX/XX/XXXX Hunter Warfield sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate
Consumer complaint received 2020-07-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Greetings, In XXXX, I obtained two subprime mortgages from XXXX XXXX XXXX  XXXX to purchase my home. Although, I had average credit score at the time I was sold the mortgage, I was considered dome to go into foreclosure. I was not aware at that time that my community was redlined. In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 

JP Morgan Chase took over my loans shortly after purchase from XXXX XXXX XXXX.. I spent more than 10 years trying to negotiate fair mortgage terms with chase. On XX/XX/XXXX, I reignited with mortgage complaint about the following matter : 1 ) I was approved for a refinancing by you which was withdrawn without explanation until one of your employees accidentally revealed that my mortgage was in a nonnegotiable category. 
2 ) In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 
3 ), my mortgage interest rate remains higher that the market rate even though I had good credit. 

In XXXX I realized that my mortgage was not withdrawn my Chase and I was informed that my mortgaged was transferred to another lender. I consider this matter retaliatory and this resulted in my XXXX mortgage not being paid due to lack of communication.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Back in XX/XX/2019 it was a computer glitch in the system and it had me being 30 days late in which im current now as you can see and has been paying my bills on time every since i would like for them to remove the late payment and they dont want to do it so i need you all helps
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CA)

On Saturday, XX/XX/2020, we went to a US Bank branch ATM machine withdraw money. Due to ATM machine malfunction, it took our cards. I requested US Bank Branch manger to return the cards, he told me once the machine took our cards, they cards are no longer ours and the machine threads them right away ( which I found out later it is not true ). I then called customer service, district manager 's assistant and regional manager 's assistant of US Bank. They refused to do any investigation nor give back my cards even though there was no fault of my own that the ATM took my cards.
Consumer complaint received 2020-05-21
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. (NY)

I contacted the Credit Bureaus XXXXXXXX and Experian regarding a closed XXXX XXXX XXXX XXXX and Student loan account that contained derogatory informaiont that was affecting my credit score substantially and requested them remove the account because of the inaccurate information. They did not remove the information and had more than 30 days to comply. Then i sent them a follow up letter of a demand to comply with no result. These accounts need to be removed under FCRA.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

Bought a visa gift card at grocery store issued by XXXX and distributed by the blackhawk network. It was fraudulently used at a XXXX despite a pin being set by me by a fraudster. Now they are refusing to send me a replacement card.
Consumer complaint received 2020-05-21
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXXXXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}