davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.
Consumer complaint received 2024-10-10
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (IL)

I have had XXXX instances with fraud on XXXX different prepaid cards about 2 months apart. 

XXXX. I purchased a XXXX XXXX XXXX for {$XXXX} on XX/XX/year> and when I went to use it, it was declined. When I called the number on the back, I was informed that my card was used to purchase a night at an air bnb for {$XXXX}, using the whole amount which was not me. I was told to put in a dispute. I did this on XX/XX/year> and was told it could take up to XXXX  days. I called in on XX/XX/year> to check the status and they told me that it hasn't been XXXX  days and that there is no resolution. XXXX  days will be tomorrow and I still wont have an answer. This is extremely frustrating to be out {$XXXX} right off the bat. 

XXXX. Per the last incident, I was told by a XXXX employee to never buy a vanilla gift card because they see a lot of people complaining of fraudulent charges on them, so the XXXX time I bought a Secure Spend XXXX on XX/XX/year> and I had the same issue. I went to use it for the first time on XX/XX/XXXX at XXXX and it only took off XXXX. When I called they went through a variety of charges from XXXX XXXX XXXX that were not mine. I put in a dispute for that as well, but I am currently sitting on {$XXXX} in total that I am without. 

If this has happened to me twice, I can't XXXX how often this is happening! If these cards are easy to hack, they should not let people spend their money on them, just to be out that money for XXXX  days.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (MO)

I have previously disputed this debt as I do not and have not had an account with the original creditor. They could not provide the requested verification in the form of a contract or other agreement for services or even an affidavit of assignment, which is not surprising since this is not my debt. The last name is not even spelled the same on the " printout '' they sent to me. They removed it after I disputed it and ultimately filed a complaint. However, I just checked my credit report to see that they have again put it on there even though it is n't mine. this is getting quite ridiculous. Debt collection companies should not be allowed to put false information on your credit report repeatedly. RECEIVABLES PERFORMANCE MANAGEMENT IS HARSSING ME ABOUT A DEBT THAT IS N'T EVEN MINE!!!!!!!!!!!!
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (CA)

I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (CA)

I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!
Consumer complaint received 2015-07-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC (CA)

Representative called me today XXXX XXXX, 2015 and started her call with complete attitude in her voice. Advised her I spoke with someone already and that I have no funds yet. Been XXXX since XXXX and fighting to get my XXXX. Other than that payments had been paid consistently before this. She then asked why I do n't have money. My response again XXXX and she said why is that. I then asked her why she had an attitude with me she 's a CSR she said I am not a CSR. A collector/CSR rep using the tone and attitude she used with me today would be harmful for her company. She needs to listen and refrain from using smart remarks or belittle some one with questions of why we have no money or not working. I wish to not speak with this rep again.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I 've been a customer with citizens for years I manage my account very well I have a high credit score. I logged in and saw past 7 weeks I been charged XXXX $ in fees but I ca n't figure out how and why. My math and log ins were spot on I did n't miss anything. I went into the bank called XXXX supervisors and they said I 'm lucky they gave me XXXX $ back which was XXXX of the XXXX charges I concurred. Yet NO ONE CAN PIN POINT EXACTLY WHY THIS HAPPENED!!! I 'm sickened by this as I DID NOT make a mathematical error or forget to log in XXXX They said " we have next day funds available '' but then said maybe it because checks did n't clear but no one can tell me what checks did n't clear and when!!! I 'm looking for proof of what happened precisely and hitting blank stares and I dunno how to help u more. I feel I 'm being toyed with and need help this is robbery and a scam of the banks! They used to send letters but said now they do n't u have to look online so thy make it even easier for any mistakes to happen! This is not protecting ur money or interests it 's preying upon the weak or busy or unknowledgable and making them confused so they give in to this XXXX dollar scam! Please help
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CO)

I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (MI)

I received a debt collection notice from Shepherd outsourcing llc in regards to a debt supposedly owed to XXXX in the amount of {$3400.00} from 2018 to a creditor named XXXX XXXX XXXX XXXX. I have never heard of either of these agencies or been previously contacted by them. I have never had an account with XXXX nor have I ever had a cell phone account in my name. I feel this is a fraudulent attempt to collect a debt I Do Not Owe. I am XXXX XXXX XXXX and feel they are making false accusations to try to get me to pay this debt. Please help me resolve this issue.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, my XXXX son received a pop-up to buy something on a video game. A PayPal application appeared and he entered ONLY my name, DOB, and address. He INCORRECTLY entered a SSN. Based on this easily-obtained information and an incorrect input, PayPal opened a line of credit and my son made a charge. 
When I called PayPal on XX/XX/XXXX, it told me that their policy is to allow credit based on " three out of four '' pieces of correct information. It does not matter if someone puts in incorrect information, yet that is exactly the red flag that should be the basis for denial. Further name, address and DOB can be obtained so easily, it enables identify theft. 
I paid the amount my son owed, gave the lecture, and took away electronics ; however, it is unnerving to me that anyone with such little information can open credit in my name. Further, XXXX I am disturbed by PayPal 's practice of enticing juveniles to open credit lines in the throes of impulsivity ( i.e., while gaming ). It reminds me of the Camel cigarette ads except for this time, PayPal gives them the false identification.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.