davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOME BANCSHARES, INC. (AR)

On XXXX I ordered two pair of shoes from a site that was suppose to be XXXX XXXX XXXX but come to find out it is fraud and I have contacted the company which is now showing up as XXXX and the centennial bank and have been denied refund of my money thru both which the amount was XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

I have about {$XXXX} in federal student loan debt which was initially serviced by Nelnet. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an XXXX background check which showed about {$XXXX} in federal student loan debt. XXXX is counting my loan balance twice, once with XXXX and once with Nelnet. I submitted a dispute with XXXX for each Nelnet loan on the credit report. Im unsure if this is an error by XXXX, or by Nelnet  or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
Consumer complaint received 2021-02-05
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. (NC)

Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX
Consumer complaint received 2023-04-12
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. (MD)

There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Consumer complaint received 2024-04-30
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (CA)

Wife recently XXXX XXXX  XX/XX/XXXX. Ive been on LOA since then. Today is XX/XX/XXXX and I still have not received my money from CA EDD which uses Money-Network as their service provider. EDD is supposed to pay me 60 % of my wage so that I can continue to live and pay for the mouths that I feed but in an entire month I havent received a single penny of my money. 

I tried contacting money network Wednesday the XXXX but was unable to get a hold of someone because I still did not have a card in the mail. When the card finally arrived Friday the XXXX, I tried activating it through their mobile app, then website, then by calling and I was unable to. The representative told me that their had been a fraud attempt and as a result they needed to close my card, issue me a check ( which takes an additional 10 business days ) and then reissue me a new card so subsequent funds could be deposited. I asked the representative if this could be escalated and if another solution could be provided as I can not wait 10 business days for my money. She said I can contact their escalations team but theyre only open regular business hours. 

On Monday XX/XX/XXXX I contacted their escalations team. They told me that I actually can not request a new card that the account itself needs to be closed and that I needed to contact EDD to request a new account. That there is no other option and that the first rep was correct in saying I have to wait 10 business days for my money. I can not believe that a government program uses this network to help people to at are in most need. People with XXXX, people that are unemployed, or people that are relying on paid family leave to help their spouse with a XXXX. 

To make matters worse when I call EDD even XXXX  in the XXXX  I very frequently get the auto message the maximum number of callers has been reached for today please try calling another day. They have no other way of contacting them other than by letter. How are we in the year 2024 and still doing things this way? 


If I contact my mortgage, my auto loan lien holder, my credit cards, they will all report on my credit that my payment is late. They dont care that Im late and will charge fees, but me as a consumer can not do anything but wait and wait for my money and these institutions have no other options to get us our money quicker. 

This is not okay and should be sued and held responsible for having such horrible solutions to getting people their money.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (LA)

There is a company called MAC with phone # XXXX calling saying that I owe a debt from XXXX with an XXXX Loans. I have never taken out a loan with any company by this name. Furthermore, they are giving this information without even verifying who I am. They ask name only and then give me the last XXXX of my social. They are referencing a company I haven't worked for since XXXX and saying I took out the loan when I worked for them but yet stating I took out the loan in XXXX. The message left is threatening. Hello this message is intended for ______________ if this is you please press XXXX _______ ___________ my name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing documentation to file in your case we have now made several attempts to reach you via mail and also XXXX phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck This was left on an initial call when no other calls have been made and no attempts in mailing me have been made. When I call, they hang up, yell at you, tell you you need to grow up and handle your debts, tell you to get over yourself, and specifically state they will continue to harass you if they want to even when told to stop calling. They are calling my family as well leaving threatening messages. This company needs to be stopped. The phone number they are calling from is a different number than they are asking to call. When I block the number, they start blocking their number and leaving the same robocall voicemail. The XXXX number is documented on XXXX by many people across the XXXX with the same actions being taken against them. Please take action. These people are trying to scam hard working Americans out of money.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

An email was received that appeared to be from Paypal. The email came from the official paypal email address of " XXXX ''. The html formatting was exactly as if from paypal, everything looks official. The date of the email was XX/XX/year>2024. 
The email in the visible To : section was unknown. It is possible this exact email was Bcc 'd to many people. 

The contents of the email stated : " Here 's your invoice '' " Due on reciept '' " Amount requested $ XXXXUSD '' " Invoice number XXXX '' A phone number was provided in the email asking recipient to call if there were any issues. The number is XXXX ( XXXX ) XXXX. 

No numbers were called in this incident, nor was the email interacted other than opening it and reading it. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AL)

Credit Karma Money is withholding money from me by stating that my account is frozen. I've requested multiple times to have answers and a solution to get access to my funds and unlock the account. 

It's going on 30 days when I reached out to them and I have yet to receive a response. I am told that the issue with my account is escalated but I never hear from anyone regarding the matter.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus and Or XXXX Lexus verify my bankruptcy as 100 % Accurate. Whats the procedure? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. How did you verify information that I gave no permission to be made? How did you verify information when the court said they dont give out that type of information
Consumer complaint received 2021-02-05
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. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XXXX XXXX 2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a few returned payments from auto-pay due to the payment not being taken out within three business days. I contacted XXXX XXXX to reinstate the account after making a hefty payment of {$200.00} ( out of {$300.00} ). They declined. I now have a closed account on my credit history and would like this removed.
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TN)

Got the car from American Car Center who suddenly went out of business. Then westlake took over. Never signed contract with them. Car repossessed in XX/XX/XXXX and I believe car was sold. They are constantly harassing me through email and phone and have nasty dispositions. Apparently they wrote it off as bad debt and have some collection company contacting me now. On XX/XX/XXXX I requested debt validation letter and purchase agreement from westlake and didnt receive info. Tracking number for request sent is XXXX and it was received by an agent at there offices. I just want them to remove this from my credit report. I never signed a contract with westlake or XXXX or XXXX  debt collectors. I also sent them a cease and desist.
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Liquidation Services Inc. (IL)

They call back to back XXXX XXXX XXXX XXXX XXXX XXXX asking for someone else. I told them that the person youre asking for I dont know and its not me. They ask for some woman. But they call over and over again all day. I have screen shots of the calls. 
They say they are from Welcome to Account Liquidation Services , Inc
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, 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. (GA)

Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. SpendingXX/XX/XXXX 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

I am writing to dispute a charge of {$91.00} to my credit card account XXXX made on XX/XX/year> ( posted on XX/XX/year> ) under the name of XXXX XXXX. The charge is in error because of an overcharge on the statement. The actual amount that was charged was {$92.00}, but the correct charge on reservation is {$1.00}. 
I booked a reservation of rental car from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The prepaid amount was {$120.00} ( charged as a separate transaction on XX/XX/year> under the name of XXXX XXXX ), and the estimation of cost is {$120.00}. The difference of {$1.00} shown in the reservation is what I agree to be billed on XX/XX/year>. 
I contacted their customer service, but they said the time of my rental was from XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX, which is more than XXXX minutes beyond 1 day, which resulted in an extra charge. This is incorrect. The actual pick up time is XX/XX/year> XXXXXXXX XXXX which is shown on receipt, so the time of rental is exactly 30 minutes in addition to a full day, which is within their grace period. Also, my return time is within 30 minutes of my scheduled return time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which is within the time that their grace period policy permits, and this is also confirmed in my conversation with customer service. 
Moreover, their customer service says my pre-paid reservation is incomplete, which also results in extra charge. This is also incorrect. I have received a confirmation email as well as the estimated cost of my rental. Regardless, I made an on-time return of my pre-paid rental car reservation, and I should be charged with the amount of {$1.00} on reservation but not extra. 
I submitted a dispute on XX/XX/year>, and they rejected my dispute on XX/XX/year> saying they didn't find a billing error. However, there's clearly a billing error. Therefore, I would like to continue to dispute the difference of {$91.00} between the correct charge shown on my reservation and actual charge on my credit card. 
Enclosed are copies of my reservation, my actual receipt, my email conversation history with customer service, and the grace period policy supporting my position and experience. Please correct the error on my account promptly.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (CO)

On ( 11/17/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number 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 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 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

XXXX XXXX XXXX references my SSN so I am eligible for CFPB misconduct and harm by Square aka Block Inc. Fraudulent transactions are being executed and deposited somewhere else other than account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided bank statements proving that XXXX XXXX XXXX never benefited from specific amounts {$1400.00} and {$1900.00} on XX/XX/year>. Regardless of my facts presented, Square staff has caused my account to go negative by {$3400.00}. I am a victim of fraud - someone on staff at Square or someone outside of XXXX XXXX XXXX. Square has failed to offer help to victims of fraud.
Consumer complaint received 2023-06-04
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. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!