davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
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. (PA)

I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Consumer complaint received 2017-12-27
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. (IN)

The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.
Consumer complaint received 2017-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a victim of identity thief. After learning of this I contacted Transunion and reported the inquiries and items that were fraudulent. They place a fraud monitor on my report but never removed the items. Recently someone tried to open accounts under my name and it was unsuccessful but still the inquiries were reporting on my account causing my credit to decrease ... 


XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-26
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. (TN)

Since XX/XX/XXXX XXXX has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! Experian has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have filed a FCRA Federal Case against XXXX and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX XXXX left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX XXXX has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT XXXX  TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I purchased products at an XXXX XXXX outlet in XXXX, NH in XXXX XXXX and was offered a discount if I signed up for a credit card and I agreed and was issued a paper credit card. 

I received my bill at the end of XXXX XXXX and paid it the first week of XXXX XXXX. I then received a notice that they received my payment but it was 10 days late so I incurred a XXXX dollar late fee. I called and asked for a XXXX time only forgiveness because it was my first use of the credit card. 

I was denied so I cancelled the account and never used it again. 

The next month I received a bill for XXXX dollars then for XXXX dollars. 

I have called Comenity Bank but they have refused to forgive my late fees and today I owe XXXX dollars. 

They have agreed to stop adding to my bill as of XXXX, XXXX, but stand by the XXXX dollar fee.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc. (NV)

On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. 
Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. 
It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.
Consumer complaint received 2017-10-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.
Consumer complaint received 2017-12-27
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. (TN)

chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

Hello, Over the past weekend I attempted to send a {$1000.00} deposit to CoinBase.com, and was promised a date this amount would be available ( XXXX/XXXX/XXXX ). 

This money is not available and I the transaction status on coinbase.com is no longer present despite my bank registering that the {$1000.00} was sent. 

I would like an explanation for this and a notification for when this issue is resolved.
Consumer complaint received 2017-11-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AK)

My wife took out 4 certificates of deposit with washington mutual. the 1st one was inXXXX acct # XXXX the 2nd was XX/XX/XXXX # XXXX the 3rd was XX/XX/XXXX # XXXX and the 4th was XX/XX/XXXX # XXXX. In XXXX Washington Mutual failed and their assets and records went to JP Morgan Chase. We are not sure if we closed these accounts ( wife does not recall ) or because they went dormant they were lost in the transistion between WAMU and Chase. I contacted Chase to see if I could find out what happenened to these accounts but they tell me they can not help me because those acct. numbers are not theirs. I have done many searches to see if these funds ended up in Washington State Revenue but found nothing. I also went to FDIC and found nothing but in talking to the FDIC they informed me that Chase should still have records of our accounts and should be able to help us find out what happened to these funds. Please help to resolve this issue. Thanks.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

Since XX/XX/XXXX I have been enrolled at XXXX XXXX XXXX XXXX taking pre-requisite courses to seek entrance to XXXX school this coming fall. Last fall, XXXX XXXX automatically placed my loan into deferment based on my enrollment status. This Semester I am only taking a single course which dropped my eligibility below half-time ( I was unaware of the time requirement as I had never specifically applied for the deferment ). 

On XX/XX/XXXX, I received an email stating my deferment had been lifted and my payment was due ON XX/XX/XXXX, the same day as the deferment was lifted.I called in to discuss, and I was informed that because my account had direct debit established the payment was pulling the same day I received notification. No billing statement was ever generated in violation of the Fair Credit Billing Act. The payment did not auto-pull as I had been told, but my account is now showing as past-due because I failed to make a payment on the same day a deferment was lifted with absolutely no advance warning and no billing statement generated.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yakima County Credit Service, INC (WA)

I was garnished after making a contract with them and making a good faith payment XXXX of XXXX. Then on XXXX my employer withheld XXXX. I called yccs and talked to XXXX of the supervisors. They told me they were n't supposed to garnish me. After getting know where I contacted the attorney that represents them on XXXX. He told me he would get the paperwork over so they would stop the garnishment before the next pay cycle. On XXXX they took another XXXX. I once again called them and they apologized and said that this should n't be happening. They would contact my pAyroll department. My payroll department told them she legally needed a stop payment form. I got a phone call a week later saying it was taken care of. XXXX I called payroll to make sure I would not be having any money taken out and she said she had n't received anything from them. So I then called yccs again I was directed to the supervisor. She said she would get it taken care of. The manager of the location called my payroll and was told what form she needed. He got the fax information and said he would get it to her. Today XXXX when I spoke to him to make sure it was getting taken care of he said he did n't need to send her any more forms. I then asked for my money to be sent back because I was n't supposed to be paying them that much. He told me no it would be credited to my account. They took XXXX overpayment so far and as of XXXX it will be XXXX of over payment. I simply want my money back and to will continue to make my contracted XXXX monthly payment. They 're illegally taking money. They keep saying the order she has is the stop payment then why are they continuing to take my money and not sending it back to me
Consumer complaint received 2017-09-12
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: LEXISNEXIS (TN)

above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access. 

refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Consumer complaint received 2017-09-11
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. (CA)

Equifax failed to safeguard my information and allowed hackers to steal it. They are not victims here but rather bad stewards. When I went to see if I was affected they attempted to wrangle me into an agreement that reduces their liability for this breach. No! I never entered into a business arrangement with Equifax and frankly they have no business making money off my personal information if they can not take the basic steps to safeguard it. I am now obligated to add credit monitoring, fraud alerts, etc. for the remainder of my life. We are talking decades I will have to live with a real concern of my identity being used and causing severe repercussions for me and my family. Does Equifax get this? Should their CEO have his information published in the XXXX XXXX, how would he feel?
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX  and Equifax. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and XXXX.
Consumer complaint received 2017-09-11
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. (GA)

I am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.
Consumer complaint received 2017-09-11
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: Experian Information Solutions Inc. (ND)

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX