davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I was involved in an internet scam, but unaware at the beginning of the transaction. On XX/XX/XXXX I was charged with XXXX XXXX XXXX XXXX. Bank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX sued me for XXXX XXXX on XX/XX/XXXX in XXXX County, XXXX. 
I am XXXX years old, and my source of finance is a retirement check for {$460.00}, and a Social Security check for {$890.00}. These two amounts are my only monthly income. I have been in XXXX, XXXX all my life until I left XXXX in XX/XX/XXXX after my probation period was over. On XX/XX/XXXX I moved to XXXX, XXXX. I owned/operated XXXX XXXX XXXX XXXX, State of XXXX  Department of Children and Families in XXXX, XXXX XX/XX/XXXX- XX/XX/XXXX. Since returning to XXXX, XXXX on XX/XX/XXXX, I have been trying to gain employment, but have not been able to obtain a job due to the lien on my criminal record. 
My livelihood has been affected because I am unable to get a job because of this lien. I have been sending documents since XX/XX/XXXX to the Background Screening Unit to get an exemption from Disqualification from the State of XXXX Department of Children and Families, it is a long process. 
In the process of re-sending all these documents ; I learned two months ago that Bank of America had sued me, the same Civil Restitution Lien Order that was filed in XXXX County on XX/XX/XXXX was also filed in XXXX County, XXXX on XX/XX/XXXX.
Consumer complaint received 2018-01-16
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. (MN)

Student loans dates and amounts as followes Date opened XX/XX/XXXX amount for XXXX Date opened XX/XX/XXXX amount for XXXX Dated opened XX/XX/XXXX for amount XXXX Date opened XX/XX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 credit bureaus XXXXXX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX  and contacted the police department and obtained a police report XXXX XXXX which both are attached. 

Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-16
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 — Their investigation did not fix an error on your report
Company: Credit Plus Inc (ID)

I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points  with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX  corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is  pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (NY)

Stay away from XXXX hospital in XXXX, NY, which is giving all of the bills to NPAS! NPAS Inc sending bills asking to process the payment, I process the payment according to the instruction on the bill, obtain the confirmation number, and then in about a month they send a bill as a final opportunity for you to process the payment and threatening to send to collection because they are unable to locate the payment, although the payment was processed and the amount was cleared from the bank. I call NPAS and they give bad communication and hang up on you when you ask them to resolve the issue over the phone by providing the detailed information about the cleared payment in the bank.
Consumer complaint received 2018-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX 3 charges {$100.00} each were posted to my account.

I reported charges as unauthorized.

My claim was denied without any reasons stated.

When I request a charge, an e-mail is sent to me within minutes.

This time no e-mail messages were sent, this indicates an inside job.
Consumer complaint received 2018-12-23
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: EQUIFAX, INC. (GA)

I disputed XXXX XXXX XXXX account on my Equifax credit report on XX/XX/2018. Equifax removed the account and then put it back on my credit report. They did not send me any notification of the reinsertion.
Consumer complaint received 2018-11-07
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. (NV)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I have had a longstanding MasterCard with Citibank. 
Because the annual fee is high relative to the services offered, I have asked Citibank to close the account. ( I never activated the new card I received in XXXX /XX/XX/2018. ) I did not have any balance due as I pay my balance in full every month.

Citibank has decided instead to harass me into paying the annual fee for the coming year. In addition, they outrageously have leveled interest on the fee for a card that is no longer of any use.

Citibank has called my phone outside of business hours, including Sunday mornings as a further method of harassment and has put in negative information on my credit report.

Citibank should accept that this card is of no value and accept that they provide poor customer service and therefore do not want to deal with them. They should stop the harassment and rectify any information provided to Credit Agencies.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (TX)

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2018-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have ben trying to dispute a bankruptcy that is on my credit report for over a year with TransUnion. I have sent in letter after letter, and also verification that this bankruptcy does not belong to me. The only reason they keep verifying it is because they are calling an automated system getting information. I called today an spoke with XXXX on XXXX/2018, and at first she said they verified electronically, then when I informed her that I contacted the court and they informed that that they do no communicate with any credit agencies or third party credit agencies, then she comes back to the line and tell me she called a number and verified it on the phone just then. my question to her was how do you know that he information was correct when you did n't actually speak to a live person, and you did n't physically receive any paperwork verifying this information. She told me well that was all they needed they did n't need to speak to anyone or need any paperwork to verify it. I find this practice odd because most public records are verified through XXXX or XXXX. I just want it verified the correct way or have them remove it from my credit report. I have sent information to them verifying that the BK is not mines and can not be verified.
Consumer complaint received 2018-01-16
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: Navient Solutions, LLC. (FL)

I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )
Consumer complaint received 2018-01-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kashia Services (NJ)

I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
Consumer complaint received 2018-01-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION (MT)

I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.
Consumer complaint received 2018-01-16
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 — Problem with personal statement of dispute
Company: TENET HEALTHCARE CORPORATION (TX)

I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I had a Lowes credit card that was paid off as of XX/XX/2021, Someone fraudulently made many charges on the card after this time for amounts exceeding $ XXXX. I called the credit card company which is Syncrony and they said they have to send me 1 years worth of statements and then I can try and dispute the charges. the charges were in a state that I did not live in nor was I there at the time of the purchases, I have had identity theft which has affected other accounts as well. This is severely impacted my credit score. i need help fixing this. Please help. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IA)

I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-12-23
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)

On XX/XX/XXXX ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX  XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX