davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Processing Services, LLC (FL)

received fraud collection call voicemail stating the below from phone # XXXX didn't identify who they are, what the debt is or who they were calling for. 


" we are following legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge of that if you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$280.00} to pay off your account and prevent any legal action from taking place for more detailed information on how to take advantage of the settlement opportunity you can contact our office directly at are code XXXX. 

this person didn't identify who they are, who the company is, what the debit is, or who they were even calling for. as a govt agency it is literally your job to handle the complaints put forth to your office but as past notices have gone unworked by your office I have very little expectation that anything will be done about this complaint! would be nice to see that the money stolen from our pay actually goes to people working will see if you guys can actually do your XXXX jobs!
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

In XXXX of 2012, I purchased a water heater from XXXX and paid with a check, when I got the water heater home, it did not fit where I needed it, so I return it, it 's over an XXXX drive for me, when I took it inside. The manager advised me that they could not refund me for 14 days ( until the check cleared ). So I left the water heater there and did a stop payment on the check. She wrote me a receipt of returned item which I kept for several month but now it 's been over 4 years and I find on my credit report a collection for this stop payment check. I disputed the item and after investigation which only took about a week I was told it was confirmed. XXXX should have never collected on this check through the third party that guarntees the checks because the item was returned.
Consumer complaint received 2023-04-27
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR LEASING-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
Consumer complaint received 2023-04-27
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: U.S. BANCORP (TX)

US Bank claims to have sent me information via USPS Ground regarding my Cash+ Visa being forced to change to Altitude Go World Elite XXXX. I have received no information and do not consent to this change. When I called, I spoke with XXXX ( ID XXXX ) who told me my options are either accept the change ( since it has already occurred without my knowledge ) or close the credit card ( which would affect my credit score negatively ). They refuse to send me the information about the change via Registered Mail or email. They did not supply me with information about the change within the 45 days before it occurred as required by law. They refused to verify the address they claimed to have sent the original information regarding the forced change. 

Changing products from XXXX to XXXX renders this credit card useless in my area since none of the retailers I choose to use the card with accept XXXX. 

This forced change has put me in a very precarious financial situation. I do not know if I am being charged annual fees nor do I know the terms of this new card. I have not received the new card in the mail. I've asked them to put a hold on the card so that no purchases can be made since they refused to verify the address they have on file for me ( in the event they send the card to the wrong address ). I have paid any remaining balance on the original card. 

This seems unlawful at best and predatory at worst. Why do I not have the option to close this forced account without it affecting my credit score negatively? Why are they not being held accountable for forcing their customers into these situations without their knowledge or consent?
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (GA)

Since XX/XX/2018 I have attempted to pay my balance in full with no prevail, Great refused to accept my payment 4 times and now they have raised the amount by {$1000.00}. 
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 I sent letters asking for the balance and if they would accept full payment, FULL PAYMENT no response would settle this account legally and financially, they continue to willfully and knowingly report incorrect inaccurate information to the CRA 'S damaging my credit and lively-hood.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX

Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CHASE AUTO Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX Transition Address ( if applicable ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 5. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (PA)

On XX/XX/XXXX my mom passed away she had a loan on a used car and there was no insurance to satisfy the loan when she passed away so I the executor of the estate took over the payments since that time I've had 3 different representatives from XXXX XXXX tell me that I can continue making payments with no problem now all the sudden this account specialist,, her name is XXXX told me that they can't do that anymore and I have to return the car because my name is not on the loan I am unable to obtain financing at this time but I continue to make the payments so I do not see the issue of keeping the car because the endpoint here is that XXXX XXXX just wants their money they don't care about the car they just want the money. Is my only vehicle my only Avenue to work and back
Consumer complaint received 2023-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I am writing to file a complaint against XXXX, Experian, and XXXX for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XXXX XXXX XXXX, I submitted a dispute to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time Of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - Under 15 US Code 1692g Validation of Debts- Please delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX - Under 15 US CODE 1692g Validation of Debts- Please delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX  - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But XXXX, XXXX, and Experian haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.
Consumer complaint received 2018-07-17
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: The Bureaus, Inc. (GA)

Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 



Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/ Date assigned : XX/XX/XXXX  Account status : OPEN Amount : {$320.00} Has 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 ( A ) ( 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
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Hello, My name is XXXX XXXX, XXXX XXXX who is currently in the process of repaying back my school loans. The federal student loans have resumed its payment this past year in 2023, and I've been paying my payments on time through EdFinancial. Every time I pay, the payment reverses and the site claims that I did not pay, therefore accumulating interest. I've done research through several online forums and have seen I'm not the only XXXX, therefore referencing me to complain to the CFPB for desperate measures. I've tried contacting XXXXdFinancial but to no avail have they been able to help me. Please let me know my options whether that is to get EdFinancial to stop playing games with its customers, they have already made XXXX  and XXXX  off the backs of XXXX  's future generation- setting us up for failure at this rate if they keep it up. I'm upset, irritated, desperate for help, you name it. Thanks for your time and hope you can help me solve this problem! I don't think they can reverse the interest, that's not my concern. I would like to fricken fix their payment system and let these things go through!! My bank said it's not an issue on their end!!! 

Regards, XXXX XXXX
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had a capital one credit card opened up in my name over a year ago and there is an outstanding balance in my name that I had nothing to do with. Ive contacted everyone I can and the problem is still there because it comes back to me. Ive never owned a credit card in my life and was trying to get one, but my credit has tanked because of this fraudulent account.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (WI)

on XX/XX/2022 I attempted to call XXXX XXXX XXXX in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to Rausch Sturm LLP at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not XXXX of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.
Consumer complaint received 2023-04-27
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: Affirm Holdings, Inc (TX)

I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (CT)

I am enrolled for health insurance through XXXX XXXX XXXX  ( XXXX XXXX XXXX ), my insurance was changed over from XXXX to XXXX starting XXXX-18. I have spoke directly to XXXX  and XXXX XXXX over this several times and my account is noted and they keep pointing the finger at the other party and telling me I need to correct the others mistakes I was billed for insurance for the month of XX/XX/2018 by XXXX even though XXXX XXXX  changed me to XXXX. I am now going on 8 months and the issue has not been corrected and I have been sent to a collection agency ( GB Collections, LLC XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) for the second time. The first time it was for almost {$2000.00} and now it is {$570.00}.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One sent me a credit card that I had never asked for ( presumably because the sports store XXXX switched its credit card, of which I had one, from XXXX XXXX to Capital One, approximately last year ). I never activated the credit card and posted a letter to Capital One by USPS on XXXX XXXX XXXX, requesting that they cancel this credit card with immediate effect. On XX/XX/, I received a credit card statement ( the first one ever ) from Capital One ( Payment Due Date XXXX XXXX XXXX  Balance {$0.00} ), at an address of mine that I had never given Capital One. In other words, Capital One completely ignored my request to cancel my credit card and instead seems to now hold an active account for me. I never opened an account with Capital One, I never activated the credit card that Capital One sent me ( ending in XXXX ), and I do not wish to have a credit card or account with Capital One ( and told Capital One so, in writing ). Please stop Capital One from making credit card and account decisions for me that are diametrically opposite to my written request, namely to cancel this credit card with immediate effect.
Consumer complaint received 2023-04-27
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. (MO)

I reached out to Transunion on XXXX XXXX XXXX to dispute accounts reporting on my credit report that do not belong to me. As of XXXX XXXX I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. On XXXX XXXX XXXX I reached out to Transunion and found via the automated system that I did not have any open disputes. I selected options to speak with a representative and was connected with XXXX in the disputes department. I asked XXXX to confirm receipt of my dispute and she did and let me know that all accounts were verified as accurate. When I asked for the method used to validate that the information was accurate, XXXX denied me my right explained in the FCRA Act Section 611 to receive an explanation of the verification method used by the credit reporting agency. XXXX denied this right and stated that it is an internal process and refused to provide the information that I requested.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights SELF FINANCIAL - XXXX ( Both accounts ) XXXX XXXX - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.