davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (WA)

I made a purchase from XXXXXXXX XXXX the catolog store. They sent wrong item, I notified the company that I was sending the item back to them, nothing was said or done at that point. then it took me 6 months to get them to rectify the records, they were charging me late charges and the whole shot. even after they had admitted to having the package I sent them they still would on rectify the issue. finally after I kid you not 6 months they finale admitted to the exchange and refunded my money.. after 6 month of a constant brash of phone calls and letters sent clear to the top of the organization.. I thought this was over now i see they are still destroying my credit record. My question is how can these people keep getting away with XXXX with people like this???? This is nothing short of criminal!!!!. Nothing on my credit record regarding this issue has been done since XXXX. explain that? and just try to get them to do something about it is a lost cause ... I am going out of my ever loving mind as to the XXXX XXXX they have pulled on me total run around every time I try to contact them regarding this issue. I need this removed from my record and any remanence of any more XXXX from these people stopped.
Consumer complaint received 2021-03-16
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: EQUIFAX, INC. (MI)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (FL)

Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harris & Harris, Ltd. (DE)

XXXX reinsert an old debt as new from a collection agency that reported the debt as new. The debt that was removed from my credit report 3 years due to not being mine and past the stature of limitation. There was no validation of the debt that a new collector Harris and Harris is reporting as new .Section 605 ( a ) ( 4 ) of the FCRA says charge offs and collections can not be reported any longer than 7 years, and section 605 ( c ) ( 1 ) says the clock usually starts ticking 180 days after the date of first delinquency.
Consumer complaint received 2018-09-11
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: JPMORGAN CHASE & CO. (CT)

I applied for an increase in my credit limit with Chase Slate Credit card. The amount was approved for XXXX. Several months later, I noticed my credit card limit was only XXXX. When I called they told me the credit limit was temporary. They never once informed of this in the initial phone call. Now my debt to asset ratio is horrible and I'm nearly XXXX over my credit limit. This has caused me great harm with my credit and I should not be punished for their failure to inform me something. I never had a late payment. All my payments were made way ahead of schedule. This is absolutely awful if they are able to get away with this.
Consumer complaint received 2024-11-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said he needed my SSN so he can do a soft pull on my credit to make sure I have good credit. I was never made aware that I was applying to a credit card and that the company under would be mattress firm. I called a phone number provided by XXXX credit report and found out that I have a credit card that I never authorized to open.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2018-06-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES (FL)

XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

I was accepted for the Citi XXXX XXXXXXXX XXXX on the XXXX of XXXX. I was able to use it for a single {$20.00} purchase until the XXXX of XXXX, when a fraud alert was activated on my account. I wasnt able to use the card anymore. I called to clear things up and confirm my identity, but none of my personal information worked. They improperly collected my personal information, preventing them from identifying me. This prevented me from using AND cancelling the card while charges accrued. The only other method they had to identify me was a XXXX day mailing process that has yet to arrive. It was only after threat of complaint that they confirmed that a case would be started to cancel my account sent the confirmation email to the wrong address without notifying me.
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Company, Inc. (GA)

On XX/XX/10, I checked my online account for a payoff amount, which it indicated an amount of {$840.00}. I paid the full amount due and owing on XX/XX/10 in the amount of {$840.00}, which was the listed payoff amount. The following month, I received a billing statement asking for {$8.00} in interest that posted to the account on XX/XX/10 ; the same date of my payoff. I called the company to advise this was an error and they claimed it was per diem interest charged for each day following the previous month 's statement date. This statement is contrary to the system annotation received and to what is listed on the statement itself. Per the statement, this interest was billed after the payoff and subject to the full balance, which is misleading per the least sophisticated consumer.
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have repeatedly been given wrong information by this company. I was told that I need med to follow certain criteria to get a co signer released, and I followed all their guidelines and it took over 5 years and plenty of headaches to finally get the co-signed released. When I originally start anything back I was on able to forward the payments at the time told me to speak to one of my parents to get the money for it to put in the forbearance little did I know that putting in to forbearance would compounding interest I also didnt understand why my student loans would range from interest rates 6 % to 10.75 % They have not worked with me said that there was nothing that they can do. This has been going on for over 8 years.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (NJ)

On XX/XX/2018 I received a bill from First Finicial Resources INC in the amount of {$2000.00} for account # XXXX. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. I also asked how they would attempt to report a debt that has already been reported. 

Its been over 30 days and I have yet to receive any response.
Consumer complaint received 2018-06-25
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: Fidelity National Information Services, Inc. (FNIS) (PA)

Chex Systems has reported inaccurate information on my consumer report id number XXXX. Chex Systems also has Americans information at call centers out of America which is a violation of the Patriotic Act. Chex Systems has violated the Federal Fair Credit Reporting Act by committing Financial Deformation and providing adverse, inaccurate information.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution immediately.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2018 I wrote to Experian, XXXX and XXXX   including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on Experian And XXXX in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I pay the collection agency what i owe them and they refused to remove it from my credit report. They are not the only one that have rights, If a consumer pay their dept than a should be removed and not stay have collection on the report. What give the creditors the right to control someone life and future for seven years? I have disputed with all three credit bureaus but only XXXX and XXXX are a bit cooperative, XXXX only listen to what ever the creditors says and the consumers can never win with them. 

1. XX/XX/XXXX amount {$460.00} 2. XX/XX/XXXX amount {$400.00}
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I requested my records from XXXX XXXX XXXX XXXX and was told by XXXX XXXX XXXX XXXX that there was a flood and the only documentation that they had for me was the check  that I signed in XX/XX/XXXX for {$2600.00} and my attendance record. I explained that I was attending school when XXXX suddenly closed the doors. I initially started in XX/XX/XXXX, I took a medical leave of absence due to XXXX XXXX. When I returned they had return my grant money and I had to take out another student loan. I returned to school in XX/XX/XXXX and completed the classes that I needed to take ( I waived the word processing portion and was waiting for the end of the course and the school closed. I have been back and forth with XXXX XXXX for years trying to resolve this matter. They have the paperwork that shows that I was in school as of XX/XX/XXXX and they insist that I wasn't within the 120 days of the school closure. The {$2600.00} loan is now $ 17K plus. I am 22 credits away from my degree and I can no longer pay out of pocket. The course at XXXX was 34 credits and I can't get that either. I am returning to school on a less than a half-time basis, because that is all I can afford. This s a huge hindrance. I am a XXXX for the XXXX XXXX and I am being compensated as if I have a two year degree. I have 114 credits, 34 credits that I can't get credit for and 35 years of work experience. Please help!!! I would prefer a arbitration hearing and not just XXXX XXXX blowing me off. Thank you.
Consumer complaint received 2019-12-11
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. (TX)

Equifax ; XXXX  and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number ****XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (AZ)

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX, XXXX ) Enhanced Recovery XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Currently dealing with Wells Fargo Bank in XXXX XXXX California, I am writing this because on Tuesday XX/XX/XXXX I filed a dispute for 16 unauthorized transactions totaling up to over {$2000.00} on my Debit Card. It is now XX/XX/XXXX and I have just gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the Gentleman proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in 4 business days which would be XX/XX/XXXX. Im writing this to try and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family for the time being. I am sick to my stomach about this matter and I just want it resolved. Please help. Thank you
Consumer complaint received 2024-11-25
Product: Credit 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: WELLS FARGO & COMPANY (CA)

On XX/XX/24 I paid an attorney {$5000.00} with my Wells Fargo Visa, to file a discrimination lawsuit on my behalf. 

He never worked on my case. He strung me along for XXXX weeks, and then ghosted me. For XXXX  months, starting XX/XX/24, I tried to reach him XXXX times, unsuccessfully. I have documented proof of my efforts. 

Finally, I dropped my case and disputed the charge with Wells Fargo Visa on XX/XX/24. 

They denied my complaint a few weeks later, with no explanation. 

Today is XX/XX/24. For the last XXXX weeks, I've been calling Wells Fargo Visa customer service. I've spoken with XXXX people at XXXX different levels of hierarchy. I can not reach anyone with authority who can take approrpriate action. 

It is untenable to stick me with a {$5000.00} charge without giving due consideration to the unique circumstances of my case.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Pedal the original predator excepted a payment XX/XX/year>. It shows on petals payments that been accepted. Charge off balance is not updated after the payment. The collection company is trying to Collect total collect without the payment being added. This is an accurate as if you look at XXXX XX/XX/year> $ XXXXwas reported paid but not taken away from balance. Both companies are trying to double dip me I would like to see both of these deleted from my account for this harassment. Theyre giving me and damage the cost. Im having this trouble through XXXX and Trans Union