davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

IN THE MONTH OF  XXXX  I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE  XXXX   XXXX ,  2017 OF  WHICH HAPPENED TO BE  XXXX  AND OF WHICH WAS A SUNDAY.     UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE  XXXX  AND THE PAYMENT WAS TO BE APPLIED ON  XXXX   XXXX  , 2017.      FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME.     I CALLED SPOKE WITH  XXXX  REPRESENTATIVE OF  COMNEITY  BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR.     I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET.     THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}.     I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE  XXXX  TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS  XXXX  DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (TX)

ProCollect wa s enlisted to collect on a debt from  XXXX   XXXX   XXXX   XXXX  - the initial bill from the service provider was never received.  ProCollect  sent several requests for payment during our Ch.  XXXX  bankruptcy, which was successfully discharged in  XXXX   2014 . Since that time,  ProCollect has placed the invalid debt on my credit profile several times. I have requested ProCollect to provide the original invoice from the service provider. To date, they have not responded. Instead, they again added the debt to my credit profile, without providing the proof of validation. I received a phone call from someone in their office who was rude, argumentative, and ignorant. I do not appreciate harassing phone calls. Debt validation is standard practice for firms operating with integrity. ProCollect is not one of those firms.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I did not authorize these inquiries and have significant doubts about their legitimacy. I urge you to conduct a thorough investigation and promptly remove them from my credit report. Supporting documents have been provided for your examination.
Consumer complaint received 2022-11-30
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. (TN)

I am a victim of identity theft. On XX/XX/22, I informed the credit bureaus that an account from XXXXXXXX XXXX on my credit file does not belong to me. I have never extended credit there. The Fair Credit Reporting Act says that any time a consumer notifies the consumer reporting agency of any type of information that is a result of alleged identity theft, it must be removed from the consumer 's credit file within XXXX business days. The account is still on my credit file. Also, no account can be furnished on my credit file without my written permission. I did not give XXXX XXXX  written permission to furnish an account on my credit file. My rights as a consumer are being violated. I will not allow this to continue.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-11-30
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I was scheduling payment on my Visa credit card account with JPMorgan Chase Bank , N.A . I have no issue with the charge activities listed on the account. Next to the charges was a hyperlink, stating " Pay over time. '' I clicked on this link to explore options. I next saw a payment plan program with 6, 12, and 18 month payment options. I clicked on the 18 month plan to further explore. I did not know I was being locked into their 18-month payment plan just by clicking on that information box. I tried to cancel while online, but could not find any way to do this, so I called customer service by phone. I was told by their representative " my plan is non-cancellable ''. I did not think this was right, and asked to speak with a supervisor. After a long waiting period, a person identifying herself as XXXX came on the line. I explained that I had somehow inadvertently been locked into a " My Chase Plan '', that I was only reading the online account information, and did not intentionally sign up for any payment plan. I told her I did not want this plan, and told her the previous representative told me the plan was non-cancellable. She told me the same thing, and hung up on me.
Consumer complaint received 2023-06-01
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)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

XXXX   XXXX  has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ).      XXXX   XXXX  received a   XXXX   XXXX   Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in  XXXX   XXXX  from her previous servicer,  XXXX   XXXX . ( Ex . C ). S  he made 3 timely  TPP payments for  XXXX ,  XXXX  and  XXXX  of  XXXX . While waiting for her permanent modification documents, she made TPP payments for  XXXX ,  XXXX , and  XXXX . After she mailed in her  XXXX  payment, she found out that the servicing of her loan was being transferred to   Rushmore. She then continued making TPP payments to Rushmore    for    XXXX ,  XXXX  and  XXXX   XXXX . After she made her  XXXX   XXXX  TPP payment, she received permanent modification documents from  Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the  XXXX   XXXX  payment. Although her  XXXX  payment was initially returned, her attorney sorted this issue out,  and Rushmore  accepted both her  XXXX  and  XXXX  payments of {$1900.00}.  XXXX   XXXX  was notified she needed to sign new permanent modification documents in  XXXX , but the payment remained the same. She signed and returned those documents in  XXXX . ( Ex . E   ).   She made her  XXXX ,  XXXX  and  XXXX  payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check  XXXX   XXXX  has paid from  XXXX   XXXX  to  XXXX   XXXX .
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (CT)

On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian, XXXX, and XXXX are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked Experian, XXXX, and XXXX several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.
Consumer complaint received 2021-08-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MO)

The initial debt was with XXXX XXXX. The debt went to XXXX  XXXX XXXX agency XX/XX/XXXX. The debt was then sold to National Credit Adjusters. They are reporting an inaccurate date the debt when to collections. They are showing XX/XX/XXXX which is incorrect. This is affecting my credit as it appears newer than it actually is and now will not fall off for additional 3 years. I have tried disputing with the credit agencies and am not getting anywhere on that. They provide no documentation to support the date this account went to collection. They need to update the date to the XXXX date as that is when the account went to collection.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.
Consumer complaint received 2017-05-15
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: AFNI INC. (MI)

XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

Coinbase locked my account a year ago and still has not responded to me or opened my account. I contacted cfpb and others and still nothing. They told cfpb that they were working on it. They were not. I had over {$600.00} and really need that money. I am XXXX and on a fixed income. Please help.
Consumer complaint received 2023-05-24
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: Aldous & Associates, PLLC (NY)

Aldous is reporting a fraudulent account on my credit. I have filed disputes with the company and the three major bureaus and yet they persist to report account. This account is complete fraud and I shouldnt be held liable for it. Please see my FTC report attached below.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXX XXXX  original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Capitol One original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXXXXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Kohl 's original charge-off XX/XX/XXXX. They are all more than XXXX months old and must be moved from my credit as they are destroying my credit score.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my report.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
Consumer complaint received 2022-11-29
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. (LA)

I submitted a complaint in XX/XX/2022 regarding XXXX XXXX  and to have the item removed from my credit report. They only closed the item as it still remains on my report. I am asking for this to be deleted.