davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (NC)

I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.
Consumer complaint received 2020-10-28
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. (IN)

This has been an on going issue with this account. Not only have I not given written consent for this account to be furnished, It is inaccurate. XXXX  has already recognized the issue and has removed it from my report. This has caused me stress and has shown a bad representation of me as the consumer.
Consumer complaint received 2020-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MD)

I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

I received a payment on PayPal.com for a product I sold on XXXX. I was instructed to upload the tracking information on the website and 24 hours after deliver the funds would be released to me, almost a week later and multiple emails, phone calls and messages with PayPal and I still don't have my money. I called customer service again and spoke with XXXX ID XXXX and he XXXX he would send me a text but I told him I couldn't get texts and be on the phone and the text expired several minutes later. He said I'd just need to wait, but I told him the website says funds will be released 24 hours after delivery. I ATTEMPTED TO EXPLAIN THAT XXXX, FL IS A SUBURB OF XXXX, but he said the shipping information didn't match the records. I told him I shipped to verified address and he still hasn't release my money! They've had my money and won't release it!!!!
Consumer complaint received 2020-09-22
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. (FL)

I am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to them.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (GA)

experian has kept letting XXXX XXXX XXXX, XXXX report a account 2 times since 2015 ive ask them on many different disputes to remove one they refused. this has caise a hard XXXX to my self an family.
Consumer complaint received 2020-08-30
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: AFNI INC. (TX)

Yes so their has been 2 accounts on my credit score that have been showing up one is  AFNI and the other is XXXX XXXX, these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX  I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
Consumer complaint received 2017-06-18
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: CITIBANK, N.A. (CT)

I checked my  XXXX  credit report through  XXXX  I found a "  CBNA  '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything wit h Citibank ). I contacted Citibank by p hone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

XX/XX/2020 I submitted a dispute to all XXXX XXXX XXXX credit bureaus, of Identity theft of this account, and received a letter from the National Credit Adjusters, that this account has been verified. in the amount of {$730.00}. I received no contract or proof of any information showing that I signed documentation for this pay day loan. This account has been sold to them again, in XX/XX/2020, after successfully removing this same pay day loan from my credit reports XXXX XXXX XXXX months prior from another company.This company continues to harass me with Robocalls and letters.
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

What happened was I called PayPal about a charge I saw for {$440.00} from XXXX. I immediately called PayPal and told them I never authorized any charge from XXXX. They told me I had to take it up with the merchant. I told PayPal I never authorized any charges from the merchant so why would I take it up with them? Anyway PayPal is now basically telling me I owe them {$440.00} and have denied my attempts to have this unauthorized charge reversed.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors' Service Bureau of Niles, Inc (MI)

XXXX XXXX XXXX finally posted my bill for me to pay on XX/XX/XXXX after requesting what exactly I owed them for and why they didn't ask me to pay the amount when I was in their office multiple times asking if I had a balance. Once it was posted I paid it immediately. The original bill was from 2013, and was sent to Creditors Service Bureau XXXX, Mi. Creditors Service Bureau refuses to take this off my credit report as paid. I requested it numerous times and they will not take it off unless I pay them also.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX  account in XX/XX/XXXX. XXXX  would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX  advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt. 
XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX  said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK (NY)

To : Freedom Debt Relief Crossroads Financial Federal Trade Commission Consumer Financial Protection Bureau Attorney General of New York, California, and Arizona Bar Association of New York, California, and Arizona XXXX XXXX XXXX To whom it may concern : My wife and I entered into the Freedom Debt Relief Program on XX/XX/XXXX current on all debts and financial obligations with the promise and guarantee to save us money at end of program and out of debt. In the 10 months of the program we going to end up with a much larger debt at end of program and are now exposed to law suits, liabilities, liens and possible garnishing of wages. This was due to extremely misleading debt procedures and actions. Our credit rating and resources have been so devastated this short time that our credit life may never recover from our dealing with Freedom Debt Relief. The quality of our life has severely affected by our plummeting credit rating and residual effect on other credit cards being so limited or now not usable. After more research online and information from financial advisors, we ended the program on XX/XX/XXXX with Freedom Debt Relief. 
We contacted XXXX XXXX at XXXX to get out escrow funds released and was told that it would be a three to five week time period for funds to be released. I was then transferred back to Freedom Debt Relief and after 55 minutes on phone being transferred around for clarification of the time period stated. I was then transferred to XXXX in the resolution department and was told that all funds in the escrow account ( {$3300.00} ) would not be returned and was to go to Freedom Debt Relief for services rendered. 
The following is from the agreement signed by my wife and me : You may terminate this Agreement and  withdraw from your debt resolution program at any time, without any termination fee or other penalty. Upon withdrawal or termination from your debt settlement program, you are entitled to receive all remaining funds in your Dedicated Account Respectively, XXXX and XXXX XXXX
Consumer complaint received 2017-06-18
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: EQUIFAX, INC. (FL)

These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX
Consumer complaint received 2017-06-15
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. (IL)

Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.
Consumer complaint received 2020-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Designed Receivable Solutions, Inc. (CA)

We are being blackmailed by Receivable design Collection company. We reach an agreement that we will be paying monthly payments that we could sustain. After three months of consecutive payments, without any notice, Receivable design collection put a collection on our account. Following our conversation with them, we reached an agreement that we will increase the monthly payments, but they will remove the collection from our report. Now we found out that they didnt fulfill their part in the agreement and didnt remove the collection but rather updated it, confirming that the account is still under the collection. When we called them, they said that the only way to remove the collection is by paying off the balance. Because of their misleading action, I can not be approved for the parent plus loan for my daughters senior year at the university, which can jeopardize her graduation year. In order to get the account to be paid off, Receivable Solutions use decisive methods, such as putting the collection on customer credit reports without notifying them, saying they didnt keep the credit card on file although they charged the credit card several months. They use tricky techniques to victimize the people they are dealing with
Consumer complaint received 2017-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

Chase incorrectly applied one of my payments to principal instead of payment and they have been hanging me late fees ever since. I have tried to fix this 3 times! In addition, I believe that their XXXX  has caused me to miss an important mortgage reduction offer.
Consumer complaint received 2020-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I would like to bring your attention to a serious issue I have with Wells Fargo wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX by the name XXXX XXXX. 
The funds were transferred utilizing Wells Fargo 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Wells Fargo.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (IL)

I created a dispute about an account record that still exists on my XXXX  account for a debt that has been paid since XX/XX/2020. The account says " paid in full '', but the record still shows as " 1 collection account ''. This is keeping me from getting a higher credit score and damaging me personally. 

I contacted XXXX  to find out why the paid in full collection account is still being reported on my account and they told me to contact Transworld Systems to get the paid in full debt report removed. 

When I contacted Transworld they told me they do not remove paid in full debt reports from bureaus like XXXX. 

If neither of them do this then how in the heck do I get it removed from my credit report?
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUSTMARK CORPORATION (TN)

I submitted a complaint on XX/XX/XXXX about my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Trustmark National Bank or XXXX  is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct.

On page 2 of the TRUSTEE DEED, on XXXX XXXX TrustMark National Bank bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to TRUSTMARK NATIONAL BANK for said amount, and said bidder was declared the owner thereof. '' TRUSTMARK NATIONAL BANK XXXX XXXX  need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, Trustmark updated the following sections on my XXXX credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if TRUSTMARK purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due