davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc. (MD)

I paid off my personal loan to XXXX - the remainder of the loan was for approximately {$15000.00} out of a total 5 year loan of {$50000.00}. 
I sent my payment by the mail with the print out of pay off amount from the XXXX website. 
Three weeks later I started to received daily debt collection calls. I called XXXX many times, gave them the check number that I sent to them. 
They finally located it and applied it to my loan and promised on the phone that the delay in finding the check would not affect the final pay off amount. 
Two months later, daily calls from debt collection started again, for an amount of {$72.00} that I now supposedly owed. 
While I shared the tenor of my conversations with XXXX and the fact that I was made to pay for interest that was the result of their delay in processing my check - the calls have continued XXXX times a day.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (PA)

I received a XXXX Rewards credit card to my address stating that I just need to activate it to receive a {$1000.00} limit ... I have never done any business with XXXX, or with Comenity Bank where this card is being run through ... I never requested a card from either of these companies, and have never been in contact with them ... They never performed XXXX on me. 

They never confirmed my address or my identity, this card could have been sent to an address that I no longer live at ( thank XXXX it didnt ), and any one could have activated it and started to use it. This was not an application for a card this was an actual card being sent to me. They opened a line of credit in my name that I did not request, authorized, or sign for.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed forXX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the XXXX score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Consumer complaint received 2020-03-10
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: Bread Financial Holdings, Inc. (FL)

Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a credit card with this company. Someone stole my information and apparently opened up an account in my name, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
Consumer complaint received 2020-03-10
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: Nelnet, Inc. (MD)

while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I recently obtained a copy of my credit report and was shocked to see a collection from Convergent Outsourcing in the amount of {$590.00}. The original creditor is XXXX. On XX/XX/2020, I made efforts to dispute and remove this account from my file via credit reporting company XXXX  to no avail. I do not own this collection. This erroneous information has resulted in me being denied credit as well as less than favorable credit terms. I am filing a complaint to the FCC about XXXX to fix this issue as well.
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank ie : carecredit was notified of fraud and identity theft when i discovered the account on my credit report. I have never heard of carecredit or three other credit lines that were opened in my name as a result of the XXXX  data breach where my personal information was leaked onto the dark web and used to open several lines of credit I was unaware of for over 3 years as I rarely open credit accounts or check my credit. i have no need to. the first i heard of this company was when i went to get a phone upgrade and i was denied! denied? I had a XXXX credit score!!! I immediately pulled my credit report, saw a whole bunch of credit lines opened in my name i never heard of! I filed the fraud report online, notified all the credit companies and all but one were very responsive in immediately  closing accounts and helping me by sending letters to the credit bureau and me that cleared me of all the debt. All except this company - which sent me 2 weird letters dated the same day - one that claimed they investigated my identity theft claim and decided I somehow gained some kind of benefit, and the second a form letter indicating they have not yet investigated and listing the account balance as fraud but refusing to provide a list of these so-called " benefits '' i had gained. They refused to provide any merchant drafts, contracts or signed authorizations with my identity verified! So how did I somehow magically benefit from this so-called " fraud balance ''? I called them and now they claim I owe them in full! Now - here is the truth : on all three credit bureaus, this company is reporting different dates, different amounts and different late pay statuses! how is this even possible. I've demanded they provide all information linked to this account and metro2 compliance as well as perfect proof they have any commercial claim or that I entered into any commercial relationship with this company for I have not. but they've so far have refused to produce any provable or legal documentation linked to the account. Beware of this carecredit company and XXXX   XXXX. apparently they will open accounts without any form of verification and then proceed to report all kinds of unverifiable data - defaming your character.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (KY)

Unfortunately I completed an on-line survey which kept popping up, and wouldn't allow me to proceed to a website I was attempting to access. The survey advertised receiving a free gift card upon completion. 
I received email notification the day after ( yesterday, XX/XX/2020 ) advising me that my " Netspend Card '' ending in XXXX ( which is a prepaid Visa ) has been shipped and is on its way to me. I will not activate it, but will shred it and contact Netspend to have the account canceled, hopefully. 
My question, is this- is Netspend a scam/fraud? Should I be locking down my credit or flagging it? 

Netspend XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (TX)

Mom mortgage was paid off in full he with the FHA loan was paid off in full is not showing went dead my home was paid out and that is incorrect when issuing debt is the status of zero but is  not sure when it is paid off in full with my school could be raised up also with the public record with the bike website that was paid off that was dismissed that needs to be corrected also I notice he stays on your credit for seven years but I still need to be updated it is and Not correct
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (FL)

I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!
Consumer complaint received 2019-08-22
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. (FL)

I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Fidelity LP (WV)

Today, XX/XX/2019 I received a debt collection notice from Universal Fidelity LP. They claim I owe money from a company named XXXX, which I had never heard from until today. When I tried to get information they just said called XXXX. When I called XXXX they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX charge that is fraudulent. Im concerned that my social security number has been compromised.
Consumer complaint received 2023-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX AUD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 
COINBASE 's response was to TOTALLY IGNORE their responsibility. It is obvious COINBASE is an ACCOMPLICE to the crime due to the fact that they have provided the fraudulent company with their service without hesitation or even a propel KYC procedure to check the identity of the recipient of the money, instead, they state that they have no affiliation with them, a person assisting a thief is a THIEF THEMSELVES!
Consumer complaint received 2020-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have an extensive timeline of records. I've tried to reach out, well in advance, to Navient about my IN SCHOOL status and my inability to repay while I'm in school. Prior to my loans becoming due, I contact them by email and by phone. I told them about my IN SCHOOL status and that I should be completing my XXXX at XXXX sometime towards the end of 2020. Worst case, I told them I could pay like {$170.00} a month or less. Just something to pay towards the Private Loans to show good intent. To date, I keep getting refusals to help when I call. However, days later I get emails from Navient employees saying they can help me. When I call, they refuse to help me. It's slightly abusive. Moreover, It's absolutely idiotic. Why a company wouldn't try to help someone earn more money so they can repay their debts is outrageous. I've filed complaints to the XXXX. I've filed complaints here. I'm also seeking at Attorney shortly. Even though I've voluntarily paid small amounts per month from XX/XX/2020 forward, they still reported my Private Loans as delinquent to the credit bureaus. I was told specifically by Navient employees this would not happen. I'm angry and fed up with Navient.
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (FL)

I paid my XXXX  XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (OH)

I have not talked with the company yet. My manager sent an email and I was told that they called my job today around XXXX. No other details given by her accept the name and number. We are not supposed to get personal calls and Ive had scams linked to old online payday loans contact my job. Feels about the same. Paid off majority of my sincere old debt ( I.e. credit cards, personal loans like XXXX XXXX ), so whomever this is can not contact my workplace by law anyways.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account. 

The cell phone account is closed, but the member account is however open to log in and rectify your balance. 

XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account. 

Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX. 

The XXXX  account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}. 

ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX. 

Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}. 

I expected the payment, like others to be reported to the credit bureau. 

That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX. 

I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report. 

ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them. 

I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed. 

I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}. 

I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently  reported and increase the amount of due to collect on money that was paid to the original creditor.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX have bankruptcies reporting on my report. XXXX   has removed it. I have sent them certified letters with my Identity Theft Affidavit, Police Report, Copies of DL, Social Security Card, and Bank Statement showing proof of address is as is on DL. These bankruptcies are reporting illegally. In the FCRA, they are required to report items only reported by the original vendor, which in this case would be the court. I have spoken with the court several times. They have stated and I have requested that they send me a letter that I can use when my attorney files suit, that they do not report bankruptcies to the credit bureaus at all. They do not verify information. They stated that XXXX XXXX, whom works or is affiliated with the Credit bureaus reports the information to the bureaus, regardless if it is fraudulent or not. I have spoken with XXXX XXXX and they have stated that it isn't in their systems, but yet these bureaus refuse to remove the information and are impacting my credit history negatively. I have the right to sue and I will. They have 25 days left to remove these items off of my report or I will sue. I have submitted the information to my attorney and he will sue on my behalf if they do not remove these item asap. Also, Equifax is reporting a collection account that I have adamantly stated does not belong to me. Under the FCRA we will use that to sue and get it removed from my report along with the numerous inquiries that Equifax stated that they would remove and they haven't removed them. XXXX  keeps sending notices stating that they need certain information. XXXX tracking number with all of that information is XXXX via the USPS. Equifax tracking number with that information is XXXX. I am over the illegal reporting that these bureaus are doing. I am requesting that these items are removed before we sue and we will.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

Wellfargo I have a lot of transactions happen to my bank account that I never recognize them Some transactions I never did to my bank account and also I saw some using my name that I have social but I never have Social number ever since because Im applying until now of my change status in XXXX  for XXXX visa
Consumer complaint received 2019-08-24
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX  XXXX XXXX, WI XXXX - AR XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$480.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} - XXXX   XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX/XX/XX/XXXX capital one sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/XXXX. And now capital one just sold the debt to XXXX XXXX   again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?