davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
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: EQUIFAX, INC. (NY)

credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to   XXXX   this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
Consumer complaint received 2017-06-07
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: Experian Information Solutions Inc. (LA)

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from XXXX 2017 until now are NOT mine and need them removed from all credit reports Thank you
Consumer complaint received 2017-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

credit card company   XXXX   XXXX   had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX   2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for   XX/XX/XXXX  or e nding balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter  XXXX  open with all not mentioned forthwith
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (CO)

I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.
Consumer complaint received 2017-05-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LendingPoint Holdings LLC (CA)

XXXX   XXXX  and her husband have been dealing with some serious medical issues and money problems.  XXXX   XXXX  took out a loan with the company  Lending Point.    She was payin g Lending Point b ack monthly starting in  XXXX .   Their money crisis increased and  XXXX  and  XXXX   XXXX  sent any creditor a written letter stating they are going through a tough financial situation.    XXXX   XXXX  took the loan out I believe in late  XXXX .    XXXX  and  XXXX   XXXX  have been harassed almost daily and hired myself,  XXXX   XXXX  as their attorney in this matter.   I contacte d one e mployee named  XXXX  who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me.   Her supervisor hung up on me too and accused me fo swearing at  XXXX . I have never swore at an employee.   I have included the many pestering emails,  XXXX   XXXX  as received. She also has been called incessantly from  Lending Point o n  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX .
Consumer complaint received 2017-05-16
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: JPMORGAN CHASE & CO. (NC)

My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D. SCOTT CARRUTHERS (CA)

I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.
Consumer complaint received 2017-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On  X/XX/2017    there were  two ch arges on my credit card statemen t, one  - {$15.00}, second - {$50.00}. I contacted  Capital One an d immediately and spoke to  XXXX . Advised them I did not authorize these charges and/or purchase anything from either of these companies. My card was then cancelled and he informed me someone would contact me from their  Fraud  Department. They did not, so I called them again in the afternoon. They have the charge of {$15.00} pending and even though they claim they did not take out the charges yet, they did which reflects on my balance that they are taking the monies out. I told them again, over/over I did not make " any '' of these purchases and wanted the monies put back onto my card. They said they could not do anything until the charge was posted/paid on my account!!! Then they would start the investigation which could take up to 30 days or more!!! Meanwhile I am out of monies through no fault of my own on my credit card. Then he said, the  Supervisor,  previously I was speaking with  XXXX  and asked to speak to the  Supervisor,  he said, then after the investigation we  may or may not reimburse you for the charges!!! Even though they have zero liability for fraud charges. I asked and was told, both the transactions cam e in at  XXXX . I reside in PA and am   XXXX   years of age and can assure you I am not up purchasing items on line at this time. In addition, the company of   XXXX   XXXX   XXXX   XXXX   XXXX   as far as I could tell by doing research is for some pet supply place. I do n't even own " any '' pets. The Supervisor I spoke to was very rude by asking me have you ever paid your whole balance in full!! I have never been late with " any '' of my payments w ith Capital One and there was absolutely no need to even ask me such a question except for being ru de, which he was extremely.
Consumer complaint received 2017-05-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CCS Financial Services, Inc. (FL)

Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (SC)

I opened an account wit h Conn 's h ome furnishing at the end of  XXXX   XXXX .   I made sure I understood all the details.   I borrowed approximately  XXXX  dollars.   I made the first payment due on  XXXX  at the inception of the contract.   My next payment was due on  XXXX .    Conn 's  has attempted to reclassify my payment, even though I made it clear when the payment was made it was for  XXXX   XXXX .   Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed.   They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date.   They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.
Consumer complaint received 2017-05-16
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: Experian Information Solutions Inc. (CA)

I tried to modify my loan in late XXXX through XXXX XXXX, I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest. XXXX XXXX then since late XXXX has reported XXXX late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted XXXX XXXX regarding their error and they do not correct the problem, I have also disputed the account with all XXXX CRA but XXXX XXXX continues not fixing their error.
Consumer complaint received 2017-05-16
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: Credit Karma (FL)

There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Bureau Name : Equifax As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description.

Please send the ( Following information used to validate the item ( s ) below, otherwise delete them from my credit report immediately : Account ( s ) : 1. 4796 from XXXX XXXX XXXX This account is being reported inaccurately, Please remove this from my credit report immediately.
Consumer complaint received 2017-05-16
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: Experian Information Solutions Inc. (TX)

I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid "  medical data ''  account with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score and is preventing me from moving forward on a home loan for m y family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2017-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NY)

My name is  XXXX   XXXX   XXXX  and I applied for a loan on  XXXX   XXXX  with LENDING CLUB CORPORATION. After having a dispute over my monthly payments I defaulted on the loan.     I launched an  XXXX  dispute which I 'll include, since I was confused about my actual balance According to my credit report lending club reported  XXXX  on  XXXX   XXXX  as my CHARGED OFF balance. Since then I contacted This company on  XXXX / XXXX / XXXX  and they provided me with a charged off amount of {$5300.00}. So clearly my balance was adjusted even though I did not make any payments during that period.     NOW, my real issue is my current balance as of  XXXX / XXXX / XXXX  is {$4700.00}, with a past due amount of {$780.00} and every time I call, this lender will give me fluctuating balances.     I made  3  payments in  XXXX  and requested a monthly statement they expressed no monthly statements are provided on a Charged off loan. I refused to make anymore payments until I received an accurate amount but again this is hurting my credit even more.     Can you help me request monthly statements from this lender. Then an updated amount as payments are received would also be nice. I feel like I 'm being robbed based on their unfair practices and they refuse to creat e paper trail.    Thank You.
Consumer complaint received 2017-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's my account.
Consumer complaint received 2017-06-07
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: Experian Information Solutions Inc. (TX)

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX