davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

I was contacted by Aldous & Associates in regards to a blink fitness debt that I do not recall acquiring after speaking with them on the phone they said the original dent was {$20.00} but they are looking to collect {$140.00}. After repeated phones to the company to get clarification they couldnt provide me with any information and sent the following email 6 times : Unfortunately, we still havent received your payment of {$140.00} owed to XXXX XXXX. This has been past due since XX/XX/2022. If there is a reason for this delay, please let us know. We have contacted you hoping we can resolve this quickly. Please pay the outstanding amount as soon as possible. You can pay {$140.00} conveniently online at the link below The representative threaten to report to my credit and show as delinquent after numerous. Once I let them know I would report to FTC they hung up the call and any time I mention the FTC any representative I spoke with would hang up the call.
Consumer complaint received 2020-12-19
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. (GA)

Approximately a few days ago, I filed a dispute with Transunion due to the incorrect reporting or lack of reporting with the inaccurate balance of {$350.00} from XXXX on my report. I have completing paid this balance down to only a {$4.00} balance, thus I filed a dispute so Transunion can look into this problem and XXXX had actually updated my balance correctly and my credit score went up 17 points. However, I checked my Transunion credit report and discovered that they are reporting again that I am over the limit with a balance of {$350.00} with my XXXX account. This is fraudulent reporting either on part of XXXX or Transunion. I have only a balance of {$4.00} and have maintained this balance since paying down my balance from {$350.00}. XXXX or Transunion are reporting inaccurate information to the credit bureau, Transunion. Transunion and credit reporting are responsible for reporting accurate information and neither of them are reporting accurate information. I have pictures of where it is showing that my Transunion score went down 17 points due to inaccurate reporting by Transunion and/or XXXX. I have attached my current balance of my XXXX account. 

I called someone named XXXX with an ID of XXXX at Transunion and told him of the above issue and he told me I have a split file with Transunion and this is not a problem that I can fix and that transunion needs to fix it. I think this error on transunion 's end is causing my credit score to bounce up and down and report inacurracies on my credit report. This needs to be fixed immediately. 

Also, I am unable to logon to my Transunion account for this 'split issue ' error.
Consumer complaint received 2020-12-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascendium Education Group (TX)

I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and XXXX XXXX XXXX, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but XXXX XXXX XXXX and Ascendium have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, XXXX XXXX, and Ascendium participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CO)

In XXXXXXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.
Consumer complaint received 2019-10-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (TX)

There is already a debt collection on my Credit Report that is not my account and I have been disputing it with the Credit Bureaus from Westlake Financial Services Inc and the ORIGINAL supposed amount owed was {$10000.00} as of XX/XX/XXXX. I already was not aware of this debt and also the charge off amount and yet as I dispute the only thing that has been happening is the balance has been going up. Not to mention this account was closed way back in XX/XX/XXXX so how can the amount supposedly owed go up on an account that has been closed for over 2 years. On XX/XX/XXXX there was an alert of the amount changing from {$10000.00} up to {$11000.00} a difference of {$510.00} when the account has been closed since XXXX. Then yesterday I received another alert that the amount supposedly owed went up yet again from {$11000.00} to {$11000.00} an added difference of {$330.00} how is this even happening on an account that has been closed for over 2 years with no activity at all? That is a total of {$840.00} it has gone up for no reason at all this just goes to show that even the original amount supposedly owed was incorrect. This company is trying to scam me and is destroying my Credit Report in the process so I am filing this complaint since it does not seem like they are trying to help my situation they are just trying to ruin my Credit even more.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Client retained our firm and a QWR and 5-day letter has been sent to the lender, no response has been provided - The client has the write to counsel and we reserve the right to review the clients history of the loan to validly assist the client in obtaining assistance with there mortgage - the lender has not postponed sale to allow this to occur.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$48000.00}.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with Experian and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and Experian XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXUnauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc ... has sent fake packages and certified letters to disguise as gifts and then sends threatening letters inside of the packages. They also called my workplace, family members, and my cellphone after I repeatedly told them not to and this will be worked out via letters from the mail or attorneys. They then took it a step further and now have another person calling impersonating the police and law enforcement. This happens on the days the package or mail arrives ( they use tracking numbers ). It is harassing and I have a XXXX XXXX and XXXX documented and causing me XXXX. It has made me XXXX XXXX and now I am in XXXX XXXX XXXX XXXX! I told them I can only afford small payments a month and they said no.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

From XX/XX/20 to XX/XX/20, I had made multiple orders through Banana Republics website. For each of these individual orders, I used reward certificates that I previously earned through their Banana Republic credit card. For some reason, I was not re-issued these reward certificates after I returned the items. Usually, Banana Republic/ Synchrony Bank will re-issue these reward certificates to my account after returns are accepted and processed. The amount of certificates I used totaled up to be {$790.00}. I have attached all the screenshots of the relevant orders. I contacted Synchrony Bank twice about this issue only to have them send letters on XX/XX/20 and XX/XX/20 regarding the topic of gift certificates and gift cards, so it was clear they did not understand my concern at all.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Hi I am an XXXX ( XXXX XXXX XXXX XXXX ). Pen Fed Credit Union in Virginia sent me a XXXX check which I took advantage of. I have always paid my payments on time. I was on XXXX XXXX for approx. 3 years. Working a restricted schedule of 20 hours per week and still paid my payments. The XXXX XXXX XXXX XXXX stopped my payments for almost a year. I struggled to make my payments and was given no relief when I asked. I went in to the Pen Fed office in XXXX, PA and the personal banker was very rude to me. She told me she could not help me that I had to call the corporate which also provided no relief options. I started pre-paying my loan a month or two in advance to have a financial cushion so I didn't loose everything. it's a term Personal Line of Credit. I made multiple payments as income started to come in and even took money out of IRA 's to keep current and ahead of sched. I would pay extra when before the due date as a payment for a month in advance. My due date is the XX/XX/XXXX of each month. For example I would pay a direct payment for XXXX, then I would make an additional payment for XXXX as a regular payment not a intending it to be applied as a principal only payment. so I would be paid two months in advance for the full term payment. There was nothing in the terms and conditions of my loan payment that said I could not pay ahead of time and it was never applied to all principal till my last two payments when they accrued interest and backdated it. I have asked the personal banker and now corporate for a copy of my terms and conditions of my loan agreement. I started really making accelerated payments in XX/XX/2020 to try and get this thing paid in advance so it would give me some cushion on my paychecks so I could pay all my bills. I have done this with other institutions and never had a problem. I feel that I am being taken advantage of and it has caused undue stress and anxiety. I would like you to follow up with the personal banker in the XXXX, PA office as well as corporate. They told me my next payment if going to be over XXXX all to interest. I never heard of being penalized for for trying to stay afloat and make my payments more manageable. They would not work with my interest rate or the payment to make it more affordable. It's not like a personal loan ... ..it 's like a shark loan from a Federal Credit Union . 
Thanks XXXX XXXX
Consumer complaint received 2023-05-16
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (GA)

I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

To whom it may concern, On XX/XX/XXXX of this year there was a fraudulent transaction on my CHASE account in the amount of {$250.00}. I immediately closed down my debit card and ordered a new one. Initially, CHASE credited my account. On XX/XX/XXXX, I received a notice that according to their records, I authorized the transaction. I'm assuming that since my credit card wasn't stolen and the billing address was the same, that it was easy to rule that i made the purchase. The package was mailed to my house with a different name as the delivery person. I still have said package. The only reason I even opened the package was due to the fact that my phone number was on there, that really made me suspicious. 

Below I am attaching a picture of the package that I received.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX