davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX, again the XXXX was sent to PNC Headquarters, asking if my credit file could be cleared by removing my name from this Joint Checking Acct. & from the attached XXXX XXXX XXXX XXXX, which is causing the XXXX XXXX reporting when this acct is overdrawn. I had called a few times & expressed my concerns. 

In XX/XX/XXXX, I went into a local PNC Branch with the Joint Acct Owner to remove my name. I was informed that b/c the Joint Owner did not want to close this acct, & that my name could not be removed? Again, explained that this is an ongoing problem which has affected my credit score ongoing. Advised that I have not had any transactions on this account over 10yrs, but it appears that the Negative actions taken have caused my credit to be affected. I have had credit as high as XXXX, to be redXXXX XXXX XXXX XXXX of this ongoing account " overdrawn issues ''XXXX The Joint Owner continues to overdraw these accounts. 

XX/XX/XXXX This account was again overdrawn & I rec 'd this notice from XXXX from PNC. 
Your XXXX  XXXX  has decreased by XXXX points. 
Your XXXX  XXXX  has decreased XXXX points to XXXX. Since your XXXX  Score decreased, you are now viewed as more of a credit risk to creditors.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has many problems, they rebill or make " purchase '' adjustment with notification and surreptiously make posting without notifying. 

In addition you can not contact by email as they do not have this or chat like other credit cards XXXX XXXX and others. 

XX/XX/2021 CApital One made a " purchase adjustment charge of {$28.00}. 
I want to know what is this for and in future they tell me in notification and adjustment write me letter explaining any purchase adjustments
Consumer complaint received 2024-08-19
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been trying to get Experian to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Experian to remove all items within attached notice.
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (TX)

IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX, PA XXXX I HAVE DISPUTED WITH EQUIFAX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH XXXX OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-19
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2021 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, there were no persons signatures proving those documents are ( 100.00 % ) verified. Also they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2021 and their response were the exact same documents. At this point their being very negligent and have violated my consumer rights.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (UT)

Ive written a letter and called American Express Serve about my sub account. My sub account has been locked and I cant close it or transfer the money to my main account so it can be used. I sent the letter in XXXX and have I not received a response. And Monday on the phone the representative could only tell me to send a letter. They werent able to escalate my issue.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

A few days ago XXXX suddenly stopped working on my phone so Coinbase recommended I disable my account and go through a security check to make sure in which I complied to.

At this point, I am unable to log in to my Coinbase account in which I have a lot of funds put into. For a few days, it was like that and I was getting anxious. I submitted a Help form to see if they can resolve the issue but it was just an automated robot answering my needs which were not helpful at all. I posted on XXXX, XXXX, and XXXX to try to get a hold of them but they would keep on ghosting me. 
Today in the afternoon, however, I received an enlightening text that I was able to access my account. 
Brought to my dismay, when I try to log in to the app, it says there is a connection issue and every time I try to quit the app and try again, it would be the same thing. 
Now, I try to access it onto my computer, which directs me to another site where I have to verify myself with a photo ID, which does not seem complicated. 
However, it has been trying to verify my ID for the past 10 hours when it would say it would take a maximum of five minutes. 
I emailed them multiple times again and took my anger to XXXX and still nothing. 
Their customer support does nothing and I have important funds I need access to before the end of the month!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX, Citibank XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I sent in a payment to pay off the last of my student loans and instead of paying it off they applied {$570.00} to " fees '', which there were no fees owed when we requested the balance
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (FL)

The collection with Waypoint Resource Group was paid directly to XXXX XXXX on XX/XX/18. attached you will find a copy of my receipt. Since I paid the creditor directly, the collection company does not have a valid collection. I have asked them to remove the collection from my report and they have only updated the report to a {$0.00} balance. They can not simply just update a balance on an account that they are not collecting on anymore. They need to remove the account.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

I rented a car for my son in Florida. The rental was on XX/XX/XXXX for 7 days. I live in Arizona. It was through XXXX XXXX XXXX in XXXX XXXX, FL at XXXX XXXX, for {$190.00}. My son texted me from the rental place and said they would not accept his insurance card ( XXXX ) and were going to charge him $ XXXX/day. extra. I spoke with the manager ( XXXX I believe ) and told him I would contact XXXX to get additional proof that he was insured. My son then left with the car as he had an interview in XXXX XXXX. 

I then called back 3 times to speak with the regional XXXX but never received a call back. I then disputed the additional charges above my guaranteed reservation quote. 

XXXX XXXX XXXX XXXX XXXX The credit card company ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX reversed my dispute saying we had agreed to the terms and despite repeated calls that were escalated ( supposedly ) to a case manager, no one has returned my calls. 

This is my second dispute with XXXX over a car rental. In XXXX I declined a rental in NJ over similar bait and switch tactics. Never again. 

I agree to pay for the rental. I just want the unauthorized insurance charges.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc. (AL)

I am writing to bring to your attention inaccuracies present on my credit report, specifically related to certain collections accounts that are currently being reported. These inaccuracies are causing significant damage to my creditworthiness and financial well-being. I have thoroughly reviewed my credit reports from all three major credit bureaus, and I have identified several collections accounts that do not accurately reflect my financial history. The inaccuracies include accounts that do not belong to me because the debt collector purchased them, and I have never engaged in any business transactions with the third-party debt collector.

I am aware that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute and request the removal of inaccurate information from their credit reports. In accordance with this law, I kindly request the following : 1. VERIFICATION OF THE ACCURACY : I request that you investigate and verify the accuracy of the collections accounts listed above. Please provide documented proof of the validity of these accounts, including any contracts, agreements, or other relevant information.

2. REMOVAL OF INACCURATE COLLECTIONS : If the accuracy of any of the identified collections accounts can not be verified, I request their immediate removal from my credit reports. This action is necessary to ensure the accuracy and fairness of my credit history.

3. UPDATED CREDIT REPORTS : Once the investigation is completed and any inaccuracies have been corrected, please provide me with updated credit reports reflecting the accurate and amended information.

I want to emphasize that the accounts identified as belonging to the third-party debt collector were acquired by them and do not have any connection to me. I have never conducted any business transactions with this debt collector, and these accounts do not represent any valid financial obligations on my part.

I kindly request that you initiate the investigation process as soon as possible and respond within the 30-day time frame mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. Please send all correspondences related to this dispute to my address listed above. I am providing this information to facilitate communication regarding this issue. 

I value the accuracy and integrity of my credit reports and trust that you will conduct a thorough investigation to resolve this matter effectively. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of these inaccuracies on my credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (DE)

Dear Southwest Credit Systems, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt.

Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Somebody has access to my credit report and I don't know who they are but they are trying to keep me from getting credit, I have been fighting this for years now and I am tired, my score keep changing, if thou someone is watching my credit on purpose to drop my score it has gone down in just XXXX days all three credit bureau, what can I do about this, if they have access to my computer, are my XXXX number what please someone help me I can not move forward of this I can not get a place to live, its not fair. Who is trying to hold me down, and for what?
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MI)

I went to an XXXX XXXX, they incorrectly did not bill my XXXX. My bill was later paid for by XXXX but I am still getting calls from XXXX XXXX, I'm sure this has tanked my credit score and I am experiencing distress from their constant harassment. I have already told them I do not owe anything and asked them to confirm the debt, they refuse. I emailed them my balance showing I do not owe anything at this XXXX XXXX and I am still getting calls weekly from different numbers but all from this debt collector.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (CA)

I do not have a contract with AMSHER Collection Services and do not owe the alleged {$330.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX XXXX placed a couple of medical collection on my account that had been placed by a different collection agency in the past, but had to be removed because they did their research and this was not my debt. I have never done business with XXXX XXXX XXXX and I don't owe XXXX XXXX XXXX XXXX  anything. I wrote a letter asking XXXX XXXX to remove the debt because its not mine. 3 months past by so then I reached out via phone and they were very rude and keep hanging up on me. I don't owe these collections to XXXX XXXX XXXX and I definitely don't owe it to XXXX XXXX. If you have any medical records with my name on it, I will be extremely upset because there is a Hipaa Law that protects us. You should not be holding any of my medical records from anyone. I don't have an outstanding balance with XXXX XXXX XXXX. If XXXX XXXX has proof that this is my debt, then please send it like Ive asked over the phone and in the letter that I mailed out. There is a reason why the previous collection company removed it.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Garrison Investment Group (GA)

I called Foundation Finance Company, on Saturday XX/XX/year> to discuss my balance of {$38000.00}. After paying {$440.00} monthly for a year on the beginning loan balance of {$37000.00} the account balance increased. I spoke with XXXX who explained that this was an installment loan and all payments go towards the accrued daily interest. I shared that I was familiar with installment loans and interest however none of the loans that I have exceeded the original loan balance when making timely monthly payments. XXXX went on to say this is how the loan is structured and that XXXX, the roofing company should have explained. I proceeded to tell her that they had not and I would not have signed if they had explained. She further said once the payment of {$400.00} is applied to the interest, I could make another payment for the monthly amount of {$440.00} and then it would go toward the principal.

I later checked the reviews for Foundation Finance and found numerous comments of bad lending habits. I'm filing this complaint in hopes that the company is investigated and removed from contractor listings and that others are aware of this predatory lender.