davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (WI)

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. 

I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. 

I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. 

I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NV)

There was a Synchrony Bank Paypal credit card opened in my name on XXXX XXXX XXXX I did not open this account but also did not notice its addition as I did not have any credit monitoring software at the time. Over the years the card had been used to make purchases and payments, none of which were by me. XXXX payment was missed in XXXX XXXX XXXX which alerted my XXXX XXXX XXXX report of a missed payment. Since then, I have been back and forth with Synchrony Bank to remove this fraudulent account and was told today ( XXXX XXXX XXXX ) that since the account has been open for close to XXXX years, it is viewed as a " valid account '' in their words and will not be closed. Now I am expected to pay {$2100.00} that remains on the account for which I did not make purchases. To further the troubles, I am unable to verify the name associated with this account when they ask since I did not create it so there is less help that I can receive from customer service.
Consumer complaint received 2018-08-07
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. (CA)

XXXX XXXX Bank has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

My grandma lent my sister money through a local store that does money transfers to help her. I also gave her money from my savings even though I was jobless, because my grandma told me that she pays back. Well she did pay back after a month, through venmo in different payments, different days. XXXX transaction was XXXX dollars, describing " XXXX for grandma and XXXX for you '' in XXXX. Other payment was XXXX saying " for grandma ''. 

After a few months she made XXXX disputes claiming that money or something in venmo. Lying about the whole thing and I told her to remove those many times many days. But all she said was that it wasn't her and that she was going to call venmo. Weeks and weeks passed and she never removed them. 

During that time I was talking to venmo through email and called them many times because this is not fair and doesn't make any sense. How do they charge me and give her money back with no proof or consulting both sides?? 

They cancelled my account and it is not fair, I was just helping her but she is not ok in the mind. She is a XXXX  person because of an XXXX XXXX she has. Please help me with this
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.0XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NY XX/XX/XXXX
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (AE)

I am XXXX XXXX military I was given a Barclaycard gold master card under the condition of 0 % APR and annual fee waiver. Recently they have told me they are going to no longer honor this condition. I asked Barclaycard if I would continued to receive this benefit in XXXX when they removed the annual fee waiver for new applicants, and they said I would. I have the concersafion with Barclaycard saying I would continue to receive these benefits.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Wisely, this bandit company took over my bank account and made it impossible for me to withdraw funds from my international bank account. All my cash is legally transferred from XXXX to my Wise personal account. Just because I applied for a Wise physical card, the fraud company Wise froze my account three days after issuing me a Visa card and misappropriated my personal assets. I can't withdraw cash from my Wise account properly. This is a violation of users ' human rights. Strongly protest against the gangster style of Wise Financial Fraud Group. At the same time, I will never trust Wise, a financial fraud group, in the future. They exploit the trust placed in them to deceive customers and seize users wallets. I originally thought they valued human rights. Unexpectedly, they turned out to be a group of bandits and vampires. Yesterday, this group of robbers canceled my account for no reason and took away my legitimate assets. This is illegal financial fraud. I request the relevant units to severely punish this company, not to shield this XXXX company, and not to let this illegal financial company run amok around the world. My current mobile phone number that can answer calls is ; XXXX
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (LA)

The debt collection company sent a fraud letter attempting to collect a debt that doesnt exist. A lawsuit was filed against rental company. The debt collection company is trying to misrepresent monies owed on behalf of rental company impersonating different names, XXXX XXXX XXXX XXXX XXXX XXXX. An affidavit was sent to Hunter Warfield, debt collection company, who failed to verify accuracy of debt and ledger/ balance from original company, rental company. This is fraudulent and misrepresentation of legal information regarding a debt not owed to any party.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (WA)

2021 I was having medical issues with a XXXX XXXX XXXX and had problem making payments due to being out of work. XXXX XXXX  offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX So now I cant get any documents from the bank and they refuse to communicate with me
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

ProCollect initially requested a payment of about {$3400.00} ( Refer to complaint ID : XXXX ), an amount that was inaccurately reported. The accurate outstanding balance is {$840.00}. Despite this discrepancy, ProCollect has been unwilling to provide me with an official letter confirming that settling this debt will result in the removal of any rental debt credit record associated with it. 

The proof is attached as well.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CB1, Inc. (NY)

This company is attempting to collect a medical debt from a hospital. I was covered by my insurance at the time, and they continue to tell me that I owe money. Furthermore, they make harassing statements to me once a month, with things like this : " If someone owed you money and you sent them a bill, do you think you would deserve a reply? What is it going to take to get you to pay your obligations? '' The most recent correspondence was dated XX/XX/2018 - but I have been receiving messages like this for the past year, if not two. Also, the amount of the dispute is incorrect. They are adding interest and fees that are not something I am going to pay.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this " debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Williams, Rush & Associates, LLC (MS)

I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment.
Consumer complaint received 2024-01-06
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. (NV)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00}.
Consumer complaint received 2024-01-06
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: JPMORGAN CHASE & CO. (CA)

I purchased two sets of skin care products at a XXXX store on XX/XX/XXXX. On XX/XX/XXXX, I found out that I was allergic to the products and then on XXXX, contacted the XXXX store. They told me that this set can not be returned or exchanged. Regarding the return policy, I was not accused when I purchased. Later I contacted Chase bank and started a dispute. On XX/XX/XXXX, Chase resolved my dispute, they told me they wont issue my dispute with unreasonable excuse. I sent all my documents to prove I had contacted XXXX, asked an exchange or return, and also showed my XXXX XXXX. But Chase replied me that I didnt provide the evidence that I arranged any return it or contacted merchant to pickup. I called to Chase later and was told XXXX happens, they can not dispute it.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX while serving in XXXX, the pricing was getting taken care of by military benefits. I then went XXXX, I return home after being XXXX to find on my credit report Navient. Not only are they reporting negative information on my credit report when they should n't be they called family members harassing them. They got their numbers from old student loans from XXXX XXXX including my fathers when he has n't been in school and done with loans for years. They called my grandmother and let me tell you I got an ear full from her, saying I gave out her number and how disappointed she was in me. For what for fraudulent charges by some company I have no responsibility too. Not only all of this I also find the amount they are trying to " collect '' does n't even make sense. So apparently Navient wants to be known for taken advantage of military veterans and scamming them out of their money while ruining their lives!
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-06
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)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I closed my old account due to fraud and open a new per their instruction after a day or two they closed the new account and kept the compromised account open. I have available funds and they won't let me have because it's restricted and that's the account I closed. They claim it takes 10 business days to close my restricted account and I reported the fraud XXXX XXXX I can not get a straight answer from it changes every day. They claim I have to wait for them to cut me a cashier check and it can take 10 business days to get my money there we're 10 checks deposit to my account
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXX XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.