davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
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: Experian Information Solutions Inc. (IL)

I am filling a complaint against Experian and XXXX XXXX XXXX for incorrect reporting. 
I had a XXXX XXXX XXXX  charge card that was Charged Off by XXXX XXXX XXXX on XX/XX/XXXX. This account was then transferred to XXXX XXXX / XXXX XXXX on XX/XX/XXXX. I paid XXXX XXXX on XX/XX/XXXX, and the account was settled. 
On XX/XX/XXXX I had disputed through Experian that XXXX XXXX XXXX  had not updated that my balance was now zero. The dispute came back where they updated the balance, however in addition they reported the account Charged Off again, Negative Payment and Failed to Pay resulting in new late payments and credit score to drop 20 points .On XX/XX/XXXX, I disputed again there reporting was inaccurate and I wanted it corrected. The results came back an additional Charge Off and Failed to pay, resulting in my score to drop another 14 points. 
On XX/XX/XXXX, I tried one last time to dispute after I spoke to an Experian dispute specialist and he assured me XXXX XXXX XXXX   reporting was obviously not accurate but they had to update according to what they report. Once again it was reported as a new Charge Off and Failed to pay causing another 14 point drop. The results were reported as unchanged. 
I tried writing directly to XXXX XXXX XXXX but they told me my account was closed and transferred to XXXX. How can XXXX XXXX XXXX  report negative when they have no right to this account since XX/XX/XXXX. Finally I spoke to another Experian dispute specialist and he called XXXX XXXX XXXX  while I was on the phone. He verified that I was correct but because this account was transferred, he could not correct my credit report. 
This has resulted in multiple negative reporting that is not accurate.
Consumer complaint received 2018-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I understand I have to pay my debt, but they are calling my step father ( whom i do not speak to ) harassing to take legal action against me. I told them to delete his phone number and deal directly with me and they agreed. I spoke to XXXX XXXX from XXXX in regards to case # XXXX. So she allegedly " deleted '' my dads information and said she would deal directly with me. I recently lost my debit card and was waiting to get a new card and they have been harassing me ever since and have now called my dad once again claiming to take legal action against me. They have an anonymous number calling me stating that they will come to my place of employment to have me sign a legal document and that if I am not present they will have my supervisor sign it. I HAVE EVERY SINGLE VOICEMAIL.. at this point i feel harassed and it indiscretion to share my financial information with my employer.
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (FL)

Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.
Consumer complaint received 2018-03-19
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. (GA)

XXXX XXXX  is reporting inaccurate information to XXXX   and Experian. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual XXXX XXXX calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as SunTrust to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s ) indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My mortgage lender, Citizens One, erroneously paid the taxes for a home I do not own out of my escrow account with them. This is causing my estimated payment for the following year ( 2018 ) to be falsely inflated. I sent a payment to Citizens One that matched my prior payment and they sent it back to me. I contacted the XXXX County Tax Department and they verified that the taxes were paid by me. I first notified Citizens One of this in mid-XX/XX/XXXX, when I received my annual escrow account review. Their initial estimate had my mortgage payment potentially increasing by {$2800.00}. It has been 2 months now that the tax department at Citizens One has had ownership of this issue and they have still not resolved this. I have attached a copy of the 2 escrow statements that I received from Citizens One ( both incorrect ), and the letter they sent me when my payment was rejected.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is Harming Fraud Victims of " Phishing e-mails '' by Closing Accounts and Dropping Customers for Life Bank of America mishandled my fraud investigation and violated my consumer right to a proper fraud investigation. My personal checking account number : XXXX I opened a regular business checking account with the officer, small business banker XXXX XXXX in XX/XX/XXXX. After receiving my Bank of America business checking account debit card in the mail my account was closed some 30 day 's later by Bank of America risk department. When I contacted the risk department with Bank of America I was given a reason that some time on or around XX/XX/XXXX I had a personal checking account that was closed for reason fraud and that this is why my business checking account was closed and further the bank is opting to never do business with me at any point in the future, essentially banned for life. 

This is not fair banking practices from Bank of America. I called and emailed them in XX/XX/XXXX ( see attached ) that I was the victim of an internet " Phishing Scam '' and that I appropriately reported the incident to the bank on XX/XX/XXXX. Bank of America 's failure to properly investigate my claim and simply closed my account refusing to ever do business with me again. This is a breach of Federal banking regulations in which Bank of America provided no protection for me as a customer against fraud, even after I expressed my full cooperation and support to the investigation Bank of America was simply unresponsive, this was very negligent. 

I promptly emailed XXXX in XX/XX/XXXX explaining all of this and they did not work with me at all towards a resolution, instead, Bank of America responded to my fraud claim by simply closing my account instead of investigating what had happened. I was never assigned an investigator! The bank was too quick to close my account. Why would you close my account rather than investigate? All you care about is saving the bank money under the pretext of a 'business decision ' or hiding behind risk department. When will you begin conducting more thorough investigations? I thought Federal Reserve banking regulations protected consumers even when they make a mistake by answering a phisher 's e-mail? My account does not deserve to be closed indefinitely for being the victim of fraud! 

I have been trying to open up a small business checking account now for the last 3 years!
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

1. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 2.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 3.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1100.00} The above creditor is advising I owe these debts which they reported to all three credit bureaus. I called the creditor numerous times to have them validate these debts since I am unaware of these accounts. They are unable to provide me any information regarding the provider, dates of service, confirm they are the owner of the debt etc. They are unable to prove these debts are mine.
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

My Kraken account has been '' temporarily disabled for more than 3 weeks as of XX/XX/18 i have filed 5 customer service requests and have not received an automated response with a ticket number for  escalation. I have joined XXXX and created 3 messages to Kraken at the krakensupport page under myuser name XXXX. I have received a reply from " XXXX " at kraken support but no follow up. I would like access to my account restored.
Consumer complaint received 2018-03-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery DID NOT DISCLOSE THE DATE OF FIRST DELINQUENCY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the THE DATE OF FIRST DELINQUENCY TO XXXX, XXXX OR XXXX  credit agency. In Portfolio Recovery response to previous complaint, they only stated this Citibank adverse account was opened in 2010 and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the THE DATE OF FIRST DELINQUENCY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the THE DATE OF FIRST DELINQUENCY. The bill statement does not reflect the first delinquency. I have included the attached statement provided by portfolio recovery via my initial complaint to CFPB. I formally request this account be removed/updated with the THE DATE OF FIRST DELINQUENCY on XXXX, XXXX, and XXXX credit report. I BELIEVE PORTFOLIO RECOVERY IS ILLEGALLY WITHHOLDING INFORMATION IN ORDER TO COLLECT DEBTS PAST THE STATUE OF LIMITATIONS OF VARYING STATES.
Consumer complaint received 2018-03-19
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: SYNCHRONY FINANCIAL (MD)

I have complained to XXXX XXXX to remove in accuracies in my credit report and they continue to report them from XXXX XXXX/JC Penny. A payment was made to XXXX XXXX XXXX XXXX XXXX a collection agency that J C Penny used in 2013. XXXX is reporting the payment on my credit account, but are showing I owe JC Penny. Now JC Penny is using XXXX XXXX to report in accuracies and XXXX XXXX and Synchrony can not provide the documentation to show the validation. 

Another credit reporting bureau was able to remove the in accurate reporting.
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX, XXXX, XX/XX/2017 I had late payments due to financial hardships which is why I got the loan in the first which I'm now on top of and working to pay off my title loan. XXXX reported late payments on my credit history reports.
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I was devastated by hurricane Irma. We spent XXXX days sleeping with our XXXX children in our car before FEMA could step in and find us a hotel. Everything in our trailer was destroyed. FEMA couldn't help us with the trailer. As a school teacher, I'm not afraid of hard work, but no one could work. I called my mortgage company and Capital one car loan. They granted me a two month reprieve. However, I couldn't catch up. I really tried. I worked extra seasonal jobs at XXXX. I was sleeping for four hours and working 20. Recently, I came to the realization that if I don't slow down, I'm going to die. I began to get migraines and numbness. An XXXX show that I need to be concerned about my health. I talked to my husband, prayed, and saw that the best option was to voluntarily surrender the car. I called Captial one on XXXX explaining that I wanted to surrender the car. The agent told me someone would call me to make arrangements. No one called. I called back on XX/XX/16 explaining that I removed the insurance on the car and I'm worried that someone will steal the car to please come and get it. The person on the line told me that my number was on the don't call list and unless I rescind that I would have to wait for the car to be repossessed. I am trying to mitigate my lost and capital 1 is trying to drag out the process to make me pay more at the end.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-10
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. (NY)

TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. 
WHEN THEY REMOVED THE FRAUDULENT ADDRESS THEY SHOULD HAVE REMOVED THE FRAUDULENT ACCOUNTS. 
THEY HAVE BEEN NOTIFIED SEVERAL TIMES ABOUT THE FRAUDULENT ACCOUNT. THEY WERE NOTIFIED BY CERTIFIED MAIL WITH RETURN RECIEPT AND BY REGULAR MAIL AS WELL AS SEVERAL DOCU, MENTED PHONE CALLS. 
I WILL USE THIS IN MY DEFENCE WHEN I FILE MY LAWSUITE AGAINST TRANSUNION. All they do is simply verifiy an account, THAT IS NOT CONSIDERED A PROPER INVESTIGATION. I WOULD LIKE NAMES AND PHONE NUMBERS ON EVERYONE THEY SPOKE TO TO VERFY THIS FRAUD ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP. 
( XXXX XXXX XXXX Closed : XX/XX/2018 )
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

Reported XX/XX/2018 Amount : {$21.00} XXXX XXXX reported that my account was delinquent without notifying me of upcoming payment due date. I don't use that account for anything and only use of pride sharing like XXXX or XXXX but I have both of my bank accounts linked to to my XXXX for automatic deduction from my actual funds. I do not use the XXXX  XXXX account but I believe XXXX mistakenly deducted my XXXX  ride from the credit account this time. This was falsely reported and has now made me have a negative impact on my credit score. I will be submitting proof that all of ride sharing is deducted from my linked bank accounts to XXXX and NOT XXXX XXXX as well as proof of the erroneous charge to the XXXX XXXX. I am also attaching proof from my credit report of the delinquent notice issued. I have since paid the balance of the XXXX   XXXX but my credit score is still severely impacted.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I wrote a certified letter to I C system asking them to validate the debt with an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original contract in question. I haven't had XXXX XXXX in the past 10 years. This company is engaging in re aging debt that has been lawfully removed from my credit due to statutes of limitation. The letter was returned to sender.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-07-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ceannate (UT)

I have a debt with XXXX XXXX  XXXX XXXXXXXX. The company handling the debt is FMS XXXX. I am trying to establish written dialog with the company but they have refused to communicate via mail. I asked via mail, early XXXX, to send information on a loan rehabilitation program. I sent two more in XXXX. Every time I sent certified mail. The third time I expressly wrote on the document to communicate via mail. In all responses, I only received a typed notice with .... " If FMS has a phone number on file, we will attempt to contact you .... '' Is this something I can rebut and expect them to contact me via paper mail? It feels exploitative and hostile. Am I wrong? I have been working long term with single parenthood, homelessness, psychological repair, and other, I feel, unfair challenges. FMS seems to have only found me because I tried to work out a plan through an attorney and then contacted me after I couldn't afford the attorney anymore. I feel they got my information because I was trying to work out my debts? 

Thank you for your time.