davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (TX)

I am writing to express my dissatisfaction with the several numerous attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open accounts. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$510.00}.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NJ)

I am a United States  XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX   XXXX . To cover the cost of tuition acquired federal and private student loans. Shortly after acquiring my loans,  Discover increased my monthly payment to {$650.00}. I call Discover  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed . I called Discover a gain to explain my situation and I also explained that I had an arrangement with  XXXX  to cap my monthly loan payments at {$450.0 0}. Discover woul d not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my other debts  (  credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I could to keep my loans from going into collections. As I write this letter I still owe over  $     40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my de bts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are  one of t he reasons for my  XXXX .
Consumer complaint received 2023-11-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Purchased a XXXX XXXX  gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. This is the second complaint I have to file because for some reason my first complaint was closed. I've included the original receipt as proof of ownership and purchase.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXXXXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXXXXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX failed to pay the accounts off. I was told of " Account Protection '' should I  become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXXXXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXXXXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See  what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX is following through on the Court XXXX?
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: The Phoenix Recovery Group (TX)

I have many discrepancies on my report have asked for not apt complex for proper documentation verify a very large balance owed was told when I moved out it was XXXX have yet to receive the paper work verify the correct balance and now can not moved into a new apt complex due to this issue
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

The company is reporting account as open on monthly basis with a balance. Has yet to send a sign contract or a payment slip as requested and identifications. I need a sign lease with name and signature sent to me in XXXX days if creditors can not supply information deleted reporting.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with XXXX over my Federal Student Loans being forgiven under a program I enrolled in for Public Service Loan Forgiveness. I submitted letters from XXXX and Federal Student Aid detailing I had met the requirements for Forgiveness and that the loans would be reported by XXXX as " Paid in Full '' XXXX has gotten one loan correct and are now reporting it as paid in full in good standing. My larger loan is being reported as delinquent and late but closed. This is inaccurate. It should reflect the same language as the smaller Student loan. I have called XXXX who has assured me they never reported my loan to XXXX as delinquent. This needs to be corrected. I have never been late over a 20 year period with my student loans. This has affected my credit score which plummeted XXXX points from exceptional to needs improvement.
Consumer complaint received 2023-05-01
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)

( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a XXXX cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from XXXX, XXXX XXXX and Equifax and have been unsuccessful.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was contacted by Portfolio recovery regarding an outstanding balance. I had no recollection of their account or balance and assured it must be an error. I requested proof and breakdown of charges. They refused to provide that. I called the hospital in question, spoke to the XXXX  XXXX and they're unaware of such charges. Portfolio recovery is trying to rob me of my hard earned money, is in breech of the no surprises act and violation of the new law implemented in XXXX regarding medical debt on a credit report. Now I have a bogus account on my credit report of XXXX thanks to portfolio recovery.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reecived a credit card from Capital One in the mail that I never ordered. 
Several years ago i had an account with BJ 's with another bank. 
1. This account was cancelled 2. The credit card was cancelled 3. Capital One took over the credit card for BJ 's and arpitrarily sent me a credit card for activation. Along with this They billed me {$55.00} for the BJ 's Card and {$29.00} Fee from the bank {$.00} interest I called BJ 's and told them we never ordered this card and they credited back {$55.00} and told us to contact Capital One. We did and told them 1. We did not have or want a BJ 's Card. 
2. We never activated their Credit Cards sent us a, XXXX XXXX ending in XXXX XXXX XXXX XXXX ending inXXXX These cards have stickeers on them that read " To activate on XX/XX/23. They were sent to us unsolicited in XXXX XXXX while we were on vacation in XXXX XXXX  and our mail was being held by the post office. Upon our return we contacted Capital One for a ccreddit to an an account that was never requested nor opeed and were informed by their representative XXXX XXXX that we wer being billed an additional {$30.00} every month until the bank was paid. 
Although I am one consumer that they are scamming I have talked with several others who have had had the same experience. this is a major scam by Capital one
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (DC)

I sent, as directed by IC Systems and XXXX XXXX, a dispute of debt with XXXX XXXX XXXX I included a copy of an email sending all of the equipment back to XXXX XXXX over 11 months ago. I included pictures of the equipment, and I included the actual date of return of the equipment. 

I didn't get a reply to the notification as I sent it and sent another notification to the XXXX and IC Systems via US Mail, Registered receipt. 

I sent the first notice on XX/XX/23 and the second notice after I learned IC System put a derogatory remark on my credit report. 

XXXX XXXX XXXX NOR IC Syste has validated the debt, gave an alist of charges owed and how allegedly incurred the actual contract, and other pertinent data.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following is a violation of my consumer rights. I am not liabe for the alleged debt with Account name : XXXX XXXX XXXX XXXX. / Account number : XXXX. The original Creditor, The XXXX  XXXX XXXX  charged off this debt and sold it to XXXX XXXX XXXX. I requested a Form 1099 -C from the original creditor but never received one. This is a violation because Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. This debt has now changed to income and must now be filed with my taxes. Ordinary income does not appear on your consumer report This means that the status of a Charge off is actually an illegal and fraudulent act and should not appear on any credit report..
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (LA)

I was giving an apple credit card that just popped up on my XXXX. I didnt apply for it and do not want it. Tonight I started to see fraudulent charges on my account. I tried to cancel this account which by no has been compromised. They will not let me cancel the account. Ive asked over 20 times on chat and they wont even acknowledge that Im asking to cancel this card. I need help. I dont want this card and didnt apply for it.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-11-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Attempted to use a prepaid card purchased by my job. Card is not accepted anywhere, like XXXX, XXXX XXXX, XXXX, XXXX, and at least 3 other online shops I have tried. Authorization charges come through, but never the full amount. Amex customer service says things like " It's a temporary issue '' or " Those locations are fraudulent stores, and this is done for security, '' but provide no other solutions. The card simply does not work anywhere online.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Starting in   XX/XX/XXXX , I h ad issues with  my Paypal Business     a ccount where fraud transactions passed through the account via my business checking account and personal account that was linked. Also, a line of credit was opened where many transactions came through from a company  calle  XXXX   in  XXXX . I contacted that company several times, and mailed  Paypal the   emails or chat sessions.  Paypal c losed my business account.       XX/XX/XXXX , I st arted the dispute on t he Paypal line of credit transactions after many more attempts to resolve directly with the vendor. Paypal acknowledged receipt of the attached letter ( support was included by mail but not attached for it is cumbersome ) ; and mailed priority with tracking. I have yet to receive a status up date, and as  of  XX/XX/XXXX  m ailed a letter asking for a status. I have received nothing.     Prior to all of this, I had the same issues wit h my Paypal personal account with the same personal checking account linked. That account was closed as well. A line of credit account was opened as fraud, but disputed by the credit bureau, and Paypal removed ( see letter attached ).      The line of credit that I am disputing now is not report to the bureau, and I want to keep it that way. However, I have been making the payments of {$70.00} per month plus to avoid the account going into collections. I am  XXXX  and I also have a full time job, and studying for my  XXXX . I have to keep my credit in tact.     At this point, I am just wanting to know if they are even researching the dispute. As of   XX/XX/XXXX  ,  Paypal is not FDI C insured and therefore, I could not go through them for a complaint.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, my brother who was visiting wanted to go see a XXXX XXXX game so we went to what we thought was a trusted source, XXXX XXXX ; where we came across XXXX XXXX. This person was selling electronic tickets that were in his possession and would have been transferred to us once payment was received. We negotiated a price for the tickets and exchanged Venmo information for the transaction. 
I sent the money through my Venmo account and should have received the electronic tickets through email within 10 minutes of completing the Venmo transaction. After another 15 minutes and still not receiving the electronic tickets, my brother went back to the XXXX page of XXXX XXXX and the profile was no longer available ( deleted ). After realizing I may have been scammed, I immediately contacted my bank and put a stop order to Venmo. 
I was later contacted via email by Venmo stating the payment to XXXX XXXX was not completed. A few days later I received another email via Venmo for the same transaction with a different name associated. I immediately called them to explain this situation was a scam and that i authorized a payment to XXXX XXXX although they paid XXXX XXXX. I was never notified by Venmo that the sender 's name was changed and now don't understand why I am being forced to complete this fraudulant transfer to someone else. 
On XX/XX/2023, a friend of mine sent me a Venmo for {$12.00} which Venmo then used towards the scam, that they are holding me responsible for, since I stopped the payment to them from my bank without my permission. 
Today, XX/XX/XXXX, my aunt mistakenly sent me {$25.00} for my birthday to the Venmo account. Yet again, without my permission applied that money towards the outstanding balance from the fraudulent transaction. 
I have supporting documentation and screen shots from each interaction. I also contacted Venmo via the customer service line to inform them on the situation on several occasions. On my last phone call, the person I was talking to ended it with " if you think you have a case, sue us ''.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>