davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
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. (NY)

XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (NY)

Today XX/XX/2023, I called the lender to refinance and ask for assistance since my employer has stopped paying me. While my attorneys are working with my employer, XXXXXXXX XXXX  to reinstate my pay, I indicated to the lender that I have been a loyal customer for 5 years and asked them to hold off any future payments or refinance, especially since the current loan I have with them has an 18.5 % interest rate and I paid a {$2000.00} fee plus similar for another loan. With the status of the economy and layoffs, I asked for sympathy and compassion. They have been wonderful to me in the past and very helpful. Today, I experienced pure hate and immediate dismissal from their customer service, refinance & credit departments. I indicated that I may have to default if my wages do not get reinstated. I also indicated that I was going to report them to your Agency. They laughed and hang up on me. Zero compassion. No assistance. After almost {$20000.00} in fees and more hothouse payments, total hostility and zero empathy.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe XXXX {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. XXXX and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.
Consumer complaint received 2018-12-15
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. (TX)

Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MT)

I never received any documentation that I had a bill past due because I had paid all closed accounts to my knowledge. The collection agency provided me with an incorrect number so when I contacted the creditor directly they saw me as owing nothing by my social security number. I called the collection agency back and told them I have no accounts with the number they gave me and they said my account was with THEM. I told them I wasn't going to pay them without proof from the original creditor that I still owe them. I finally got the correct account number for the closed account and paid the bill. 
I received an alert from XXXX the next day that the collection agency had posted a collections account on my file. I immediately disputed and provided documentation such as receipt and proof of cleared payment from my credit card company, but they still won't remove it from my credit report. It was a retaliatory action. I want them to remove this inaccurate information that caused my credit score to go down by XXXX points OVERNIGHT. That put my job at risk as I need to maintain good credit. I want them held liable and responsible and to remove this negative action from my credit report.
Consumer complaint received 2023-11-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

There was an apartment I applied for called XXXX XXXX on XX/XX/2023. I paid my application fee and my move in date would have been within that same week. I never heard back from the company. I called a few times but no one ever answered the phone. When I finally got a break from my work schedule I stopped by there was someone in the office but they just sat there. No one came to open the door. So I left a XXXX review. A property manager responded. She said I was denied because they couldnt collect the application fee but I have proof it was take from my account. So as I was looking through my spam folder I see a email from National Credit Management. So a PDF read that I owed fees for an apartment that I dont leave at and never signed a lease and the reason for denial was fraudulent information which is complete defamation of my character and false. The information they submitted to National Credit Management contradicts the email correspondence. They are trying to collect a fraudulent debt. The management is upset about the honest review I made on XXXX. The email management sent said I was denied because of my application fee or NSF. I will be seeking legal action. They made a invoice with a fraudulent reason to try and justify the amount they are trying to collect. But XXXXXXXX apartment manager lied. I told them I was not interested in living there do to there lack of communication.
Consumer complaint received 2023-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson and Kennard (CA)

I had lost my job due to Covid Pandemic, found a new job but then got into a car accident. I applied for a loan to help me out. They gave me this huge loan, which helped, but did not give me lots of info about the interest. I also added unemployment insurance with the loan. I ended up losing my job again due to XXXX. I asked them to apply the Unemployment insurance and sent paperwork to them multiple times but it was never applied and they kept charging me. Then I get a statement in the mail saying I was in collections with Nelson and Kennard.
Consumer complaint received 2023-11-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (CA)

During the return, I provided the dealership with both sets of keys, and the appropriate paperwork was processed to confirm this. To my shock and disappointment, I was later charged an unwarranted fee of {$790.00} by Ally Financial due to an incorrect claim that only one key was returned.

I quickly acted to reverse this mistake by Ally, reaching out dozens of times, speaking with various managers, and even opening a formal claim to have this unfair charge removed. Despite my many efforts, this issue went unresolved and the claim went unclosed. 
Later, with no communication or response from Ally regarding the claim, I received a letter from a collections agency for the balance of {$790.00}. In the interest of preserving my financial standing and anticipating a resolution from Ally, I decided to settle the {$790.00} charge, even though I firmly believe I did not owe this amount. All of this was done to avoid damage to my credit score which was unfairly impacted and damaged by Ally Financial and their careless practices and lack of disregard for their customer 's outcomes.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MT)

I never received any documentation that I had a bill past due because I had paid all closed accounts to my knowledge. The collection agency provided me with an incorrect number so when I contacted the creditor directly they saw me as owing nothing by my social security number. I called the collection agency back and told them I have no accounts with the number they gave me, and they said my account was with THEM. I told them I wasn't going to pay them without proof from the original creditor that I still owe them. 
I provided documentation to the collection agency that this debt was paid in full, such as receipt and proof of cleared payment from my credit card company, but they still wrongfully posted a collection on my report and won't remove it from my credit report. It was a retaliatory action. I want them to remove this inaccurate information that caused my credit score to go down by XXXX points OVERNIGHT. That put my job at risk as I need to maintain good credit. I want them held liable and responsible.
Consumer complaint received 2023-11-19
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: AMERICAN EXPRESS COMPANY (FL)

Dear American Express Customer Service, I am writing to address a matter of profound concern regarding an unauthorized credit application submitted in my name. According to recent correspondence, I applied for the XXXX XXXX XXXX XXXX on XX/XX/, and subsequently received notice of the application 's decline. This letter serves as my second complaint following my initial report filed with the Consumer Financial Protection Bureau ( CFPB ). 

Upon thorough review, I wish to emphasize that I did not authorize the credit application in question. I am deeply committed to maintaining financial responsibility and ensuring the accuracy and integrity of my credit profile. In this instance, I have become a victim of fraudulent activity, as I did not submit the application, and this is a mistake that requires urgent rectification. 

The reason for my filing a report with the Consumer Financial Protection Bureau ( CFPB ) is to bring this matter to their attention. This marks my second CFPB report on this issue, and respectfully, I anticipate it will be the final one. 

I am reaching out to you as an initial step in resolving this matter. Recognizing that errors can occur, I believe that through collaborative efforts, we can promptly correct this discrepancy. I kindly request that you conduct a thorough investigation, considering the steps I have taken to dispute the unauthorized application. Under the Fair Credit Reporting Act ( FCRA ), I am protected against inaccuracies on my credit report, and I trust that American Express will adhere to the legal provisions in addressing this issue. 

Your prompt attention to this matter is crucial in preserving the accuracy of my credit history. I request the resolution to include the removal of the unauthorized hard inquiry on my credit report, as this was not initiated by me. 

I appreciate your understanding and cooperation in resolving this issue promptly. I look forward to a timely and positive resolution.
Consumer complaint received 2023-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I tried to open a five year CD on XX/XX/2023 for XXXX with BMO XX/XX/XXXX on their website, filled in all the correct information, received and used their verification code n my phone, and go rejected twice without explanation. The bank uses a no reply email, and I am abroad for the month and can not contact them at al ( they only have a phone number, which you will be on hold for for an hour ). They provide no reason for the rejection ( and could have none ), no mechanism for appeal, requested no information, and provide now way to contact them on line. This is fraudulent and a licenses bank should not be allowed to deny a CD account arbitrarily, with no information provided and no way to appeal, especially for a five year CD ( what would be the issue? )
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX  and XX/XX/XXXX  I received money from a family member that was helping me pay my rent and other bills to my Venmo account. I tried to do an instant transfer to my bank account but kept getting an error message, I then tried transferring the funds using the standard 1-3 day method. I received a confirmation email that the funds would be in my account on XX/XX/. On XX/XX/XXXX  I received an email stating that due to suspicious activity my account was temporarily suspended and to provide proof of my identity by sending a copy of my ID, a selfie holding my ID and to change my Venmo account password. Also in this email it states that once those things have been done, they would happily reinstate my account. After doing all 3 of these steps, I then get another email from Venmo stating that they received my ID and that my account has been permanently deactivated and they are holding my funds for 180 days. I then called their customer service immediately requesting an explanation as to why and got a response of " the account specialist will review your case and reach out to you via email. '' There was no valid reason given as to what user agreement was violated. I read through ALL 27 PAGES of their user agreement and found nothing that I am in violation of. I have been contacting them via chat everyday and I they just keep coping and pasting the " permanently deactivated '' email that I received. And on XX/XX/2023 I received an email that ended with " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have done tons of research on this exact situation and Venmo is doing this to thousands of there customers! I have money frozen on there that I need to pay my bills with and if I don't get my money released me and my child will be homeless. This has had me sick to my stomach and is definitely deceptive practices and a violation of my fundamental rights.
Consumer complaint received 2022-12-21
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

XXXX XXXX  has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and XXXX is showing different history on XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

As per my previous complaint ; ID number- XXXX on XX/XX/2023 on Experian XXXX XXXX XXXX XXXX reporting account # XXXX ( U S DEPT OF EDXXXX ), I have not received any correspondence back from this agency in reference to my dispute. Experian is now in VIOLATION of 15USC1681 ( i ) - [ Procedure in case of a disputed accuracy. } Congress states ; " that before the expiration of the 5th business day period beginning on the date on which a Consumer Reporting Agency receives notice of a dispute from any Consumer or Reseller the agency shall provide notification of the dispute to any Person who provided any item of dispute At the address and in the manner established with the person ''. 

Their continuous Non- compliance with federal law and procedure has weakened my faith in the banking system and is harming my family.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXXXXXX Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I missed a payment because my father has been XXXX since XX/XX/2024. He is scheduled for XXXX next week. He needs my care and I am on FMLA leave until he recovers from XXXX. I finally paid {$2100.00}. to my XXXX account to bring it up to date. And right after it posted, they lowered my credit limit by the amount I paid. I now have an available credit equal to the remaining balance. My credit limit was {$2700.00}. and I paid {$2100.00}. and now the avaiable credit limit is {$880.00}. which is the remaining balance. So from a credit profile perspective, the credit bureau is reflecting this account is at its credit limit to punish consumers when they are most vulerable. No notification and communication so that they get their money, and ensure the consumers pays dearly with their financial futures. This is unethical and shameless. Consumers who rely on credit to survive, and in my case, care for the XXXX, can not be cast out like a torn kite in the wind. 
If they would have informed my that my credit limit was being lowered, I would have kept some of the money for my fathers care. Just paid minimum payments going forward and use the financial resources for food, shelter, necessities, etc. They did not notify me they were going to lower it by the amount I paid. I want my {$2100.00} cash refunded and my balance restored and i will make minimum payments instead.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, my 3 student loans ( XXXX XXXX ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX  balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.