davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (TN)

Good morning, I woke up this morning to find my checking account had been charged not once, but twice for {$380.00} from Advance Financial. I am late on payments, due to extremely difficult family circumstances, but to charge me twice? And the payment was more than the original payment agreement. Are they allowed to do this my law?
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I already started a dispute with the 3 agencies XXXX, XXXX  and Experian, and last one, insist that I got one missed payment with XXXX, I sent to all agencies the evidence and XXXX and XXXX  fix the error. Please help me with this situation because XXXX accepted the error too. How can is possible that Experian want to keep the incorrect information.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

My XXXX XXXX loan, which Navient now owns, is reporting different data across the major credit bureaus. XXXX says on XXXX of XXXX my account went to 120 days late on my FICO credit report. It was reported as " OK '' XXXX of XXXX. XXXX also shows that 120 days late remark. On XXXX of XXXX XXXX still shows 120 days late but XXXX bumps up to 150 days late. This occurs again on XXXX XXXX when XXXX stays at 120 days late but XXXX increments to 180 days late. My issue with this account is that the data is being reported differently to XXXX different credit bureaus, so is this not in violation of FCRA that requires 'if ' data is going to be submitted that it has to be accurate? Another question I have, how can the account go from payment ok on XXXX of XXXX to 120 days late by the next month? It 's not like XXXX XXXX did not report the data, as is the case for earlier in the year, but for XXXX it clearly says the payment status was OK. If it really was 90 days late, that means the date of my first delinquency would be further in the past. That would greatly help me because if we date this back to the first 30 day late, I would have this fall off my credit report three months earlier than it currently would. All of this lead me to dispute with Navient who now owns these accounts. I have tried several times to inform them that the payment information is wrong and I asked them to please remove it if they can not make it accurate. They reply that it is accurate and they refuse to change it. I 'm hoping that you can help me not only get the payment data to match across all XXXX bureaus but I am also hopeful that they can provide some proof to verify which of the XXXX is genuinely correct. I do n't like the idea of Navient simply changing the data to match one of the other credit bureaus without proving what in fact was incorrectly reported. With all of that said, I would be very grateful if Navient agreed that mistakes were made and that they just discontinued reporting the payment history across XXXX, XXXX and XXXX. These loans defaulted over 4 1/2 years ago with the delinquency happening around 5 1/2 years ago. Would it be so bad if after all of this time Navient extended some grace to me after they themselves made mistakes on the data they reported?
Consumer complaint received 2018-08-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bepensa Capital, Inc. (NC)

Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Got a copy of my credit report to purchase a home while I was looking over my report I noticed a bill that was sent to collections from where I was a victim XXXX XX/XX/2013 I reported the accident to the XXXX law firm where I had filed a lawsuit against the insurance company XXXX law firm was very well aware of all XXXX that I received treatment from the law firm charged 40 percent of the settlement money which I was not told up front on how much they would receive after being released from XXXX hospital that is when I contacted XXXX law firm they where responsible for handling all my bills which incurred from the accident the XXXX law firm recieved more money than I got from my settlement check which I finally got my part of the settlement check last month to make a long story short they did not pay my hospital bill XXXX in which I just found out about it XX/XX/XXXX from my credit report in the amount of XXXX dollars my attorney was responsible for taking all my XXXX bills that occurred XXXX an paying them from my settlement money why they were so eager to get 40 percent of my settlement money they did not pay the hospital that I recieved treatment from and by them not paying the hospital they sent the bill to collections in which it has caused me hardship by lowering my credit score in which I have been working hard to repaire since last year so by my attorney not paying that bill it lowered my credit score which caused me not being able to obtain a mortgage loan when I contacted the number I got off my credit report to find out why I owed XXXX that's when I was told who the company was an the date of treatment and what the reason for treatment was from so that's when I called the billing department XXXX with the account number I obtained from the collection agency am I explained to the lady in billing that I was not responsible for those charges that they put in collections she refused to finish hearing what I had to say an told me I am responsible so that's when I hung up an called the XXXX law firm to speak with either XXXX because they are the XXXX people that I had to stay calling about my case I only met with someone from the XXXX law firm XXXX an that's when they came to my house XXXX they only called me a total of XXXX times since XXXX any other time I always had to call them to check on the progress of my lawsuit an then when I called they where never available I usually had to wait 2 or 3 days to hear back from them an the longest I had to wait for a response was like a week and a half anyway I have a bill on my credit report and a lot of inquiries that I did not authorize on my credit report as well as XXXX addresses that I have never lived at and numerous phone numbers that is an was not used by me as a form of communication and I need to know how to let someone know that I have mis leading information on my credit report. Thank you for your time and patience.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months
Consumer complaint received 2024-01-14
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: WELLS FARGO & COMPANY (MD)

I was billed for a purchase I did not sign for. I submitted an itemized receipt from the vendor and pointed out the purchase I did not authorize, and the vendor was unable to provide the receipt and the credit card company still did not refund the amount.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/XXXX, I ordered two items from New York and Company with my New York and Company rewards credit card. The items ordered were a pair of shoes and a dress. This credit card that I used with New York and Company through XXXX Bank is a credit card that I had paid off in the year XXXX and the credit card had a XXXX balance before the purchase. New York and Company promised me that I would receive the purchased items by the! date of XXXX XXXX XXXX but New York and Company did not send me the items until XX/XX/XXXX. Due to New York and Company sending me the items late, I returned the items back to the company due to needing the items before XXXX XXXX XXXX When I emailed New York and Company requesting a return label to ship the items back, the company gave me such a hassle regarding sending me a return label and lied to me saying they emailed me one but never did. I then had to go to the New York and Companys website and search for and request a return label. I shipped the items back to New York and Company but the company never credited my account back for the returned items and continued to charge my account late fees for the balance that was charged to my account for the items that were returned. I filed a dispute with New York and Company and XXXXXXXX XXXX regarding this issue but the company is telling me that the dispute can take up to 90 days. In the meantime, the company keeps charging me late fees on my credit card statement for the returned items and has been falsely reporting that I owe a balance for the returned items and negatively and falsely reporting on all XXXX credit bureaus that havent paid this balance in 2 months! New York and Company also mailed me stating that they were going to increase my interest rate on my credit card because of this. I am requesting that this is corrected on my account as soon as possible, correct the false reporting, decrease my interest rate back to what it was or lower. This issue is crazy considering that I had a XXXX balance before all of this and that the credit card had been paid off since XXXX before all of this happened. Since I have paid off the card I rarely use the card!
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

MY CREDIT REPORT HAS MANY UNAUTHORIZED ITEMS. I REQUESTED THAT YOU SEND ME A COPY OF FORM SSA-89 THE AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO RELEASE SOCIAL SECURITY NUMBER VERIFICATION FORM. I NEVER GAVE WRITTEN PERMISSION. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ;
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint 1 month ago about my issues with Experian NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and XXXX properly. Experian is the only bureau not reporting correctly. 

CFPB said this has been resolved with Experian and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from Experian first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : Global lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indigo
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Subject : Update on my {$30000.00} line of credit on my credit reports ( XXXX, XXXX and Equifax ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the XXXX credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my Equifax credit report, I noticed that the {$30000.00} credit limit does not appear
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (CA)

This company is the worst credit card company! I have told them millions times I am facing hardship and still they have not resolved and made a fix affordable plan! Instead they have charge me fee, damaged my credit score as I couldnt pay their min due payment as their interest is incredible high. They have lied multiple times promising to have an affordable plan with no interest as I have told them my hardship and have not resolve and now damaged badly my credit score! Also the bank statement they have send me says I own XXXX dollars something but they report to credit score a higher dept. they dont even know what they are doing! See messages and letter. Thank you
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canng furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (FL)

I have been a customer of crane finance since XXXX of 2023. My first loan was {$300.00} the payments were {$91.00} in XX/XX/2023 I paid off the loan successfully. On XX/XX/XXXX I took out a loan of {$300.00} the payments were {$91.00} bi weekly on XXXX  in total. I XXXX I experienced a hardship I made a payment of {$66.00} and on XX/XX/XXXX I made a payment of {$82.00}. My expenses increased and I made a partial payment of {$30.00} on XX/XX/XXXX and the XXXX payments will be {$95.00}. In total I have made a total of XXXX payments towards this loan. I am on a fixed income and I am barely making it and I am struggling to make ends meet. I would like to consider the total of payments I have made and settled the account as closed and paid in full.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

an address is reporting to my XXXX TransUnion and XXXX that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address
Consumer complaint received 2024-01-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MI)

AMSHER COLLECTION SERV Contacted me in XX/XX/ via phone about a debt from XXXX XXXX, but did not send written confirmation. I would like to have this account closed and removed from credit report. I would like to note that the original creditor is XXXX XXXX and they did not send me a final bill or statement as well. When I asked representatives to email or mail me a bill, they refused.
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Makes Cents, Inc. dba Advance.Cash (FL)

I have been a member of advance.cash since XXXX. In XXXX of XXXX i paid off a loan of {$300.00} In XXXX of XXXX i applied for a loan of {$300.00} i was upgraded to VIP i had payments of {$16.00} weekly beginning the first week of XXXX. I paid off the loan in XXXX of XXXX. I was approved for {$2000.00} the weekly payments were {$140.00} i was only able to make one payment i have fallen through a hardship. i began a payment plan of {$150.00} beginning on XX/XX/XXXX bi weekly. the last payment i made was {$150.00} on XX/XX/XXXX i had to go out of town for a family emergency and i had unexpected expenses which caused me to be tight with money. on XX/XX/XXXX i was able to make a payment of {$50.00} i had fallen behind i had to report my debit card that was previously on file before was lost. once i got my new one i resumed the payment plan on XX/XX/XXXX of {$100.00} and the next two payments were on XX/XX/XXXX and XX/XX/XXXX of {$50.00} and on XX/XX/XXXX the next payments will be {$230.00}. I looked at my finances and realized that i am on very strict budget i am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made 8 payments in total which comes out to {$840.00}. I would like to considered what i have paid towards this loan and close the account. and have the debt forgiven.