davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
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. (AR)

Hard inquires need to be removed from my credit report for one of the following reasons. 

# 1. ) They are either over 2 years old. 
# 2. ) Or I did not initiate the inquiry and I did not approve the inquiry. 
# 3. ) or No credit was extended for the inquiry. 

XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XX/XX/XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX BANK XXXX, XXXX A Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2020-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I HAVE UNAUTHORISED USE OF MY ACCOUNT WITH PAYPAL THEIR DEFENCE IS THAT IT WAS ME THEY WONT PROVIDE ANY PROOF MORE THAN THAT THEY RETAIN FUNDS 180 DAYS MORE THAN THAT I WAS KICKED OUT FROM THEIR SERVICE AFTER BIENG SCAMED
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JTM Capital Management, LLC (OH)

This company has repeatedly harassed me at my job. I've asked them to stop calling me at work. They would call right back. A man threatened to show up at my home and place of employment. They've contacted my mother late at night threatening to put me in jail. They even some how found my uncles phone number who I haven't spoke to in years and threatened to put me in jail.
Consumer complaint received 2020-01-09
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. (FL)

My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.
Consumer complaint received 2023-11-29
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. (GA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.
Consumer complaint received 2020-01-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Second Round Limited Partnership, Austin, TX Branch (UT)

Friday, XX/XX/2019. The Debt Collector sent process server to serve papers at my brother 's house. Without my brother saying anything she quickly told him my name and they are trying to serve me for Debt. I don't live in that location. I was only staying with them for a bit but currently have my own apartment. I don't know why they would tell him my name without him asking and be telling him my business.
Consumer complaint received 2023-04-30
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. (CA)

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on XXXX under XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 Experian XXXX XXXX  Last reported XXXX XXXX, 2023
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-01-11
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. (CA)

I DISCOVERED THAT THER IS XXXX XXXX XXXX ACCOUNT ( XXXX NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD XXXX ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, EXPERIAN, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY EXPERIAN REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (FL)

I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (CA)

An incorrect medical debt was turned over to First Federal Credit Control ( FFCC ). The medical provider was XXXX XXXX, XXXX, who in turn used a Billing Company. The Billing Company sent me an incorrect bill. I notified them of this multiple times as well as XXXX XXXX and was advised it would be corrected and I would get a new bill every time I spoke to them. Neither company sent the corrected bill and the Billing Company referred the incorrect debt amount to FFCC. Upon receiving the collection notice I immediately called my rep XXXX and advised of the error and dispute. She advised she would look into it and that no credit reporting would occur. After not hearing back after roughly a week I called both XXXX XXXX and the XXXX XXXX and told them of the collection company. XXXX XXXX finally corrected the bill while I was on the phone and I paid them at the same time since the bill was finally corrected. Now a few months later I see that FFCC negatively reported which has affected my credit. This was all due to a billing error and I dont understand why my credit is negatively being affected due to the errors of all three other companies. Nor do I understand why I was the only one trying to fix the error. At this time I want my credit restored.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX while in XXXX XXXX XXXX, we visited a small store and purchased two small jewelry items for our daughter. The total amount was about {$97.00} or {$98.00} USD. I handed my Bank of America Visa card to the clerk who then gave it to another person to run the card. Several minutes later, they informed me that they were having problems with running the card and handed it back. They requested cash which I gave them. 

Later that day, I received an alert on my account a this charge of {$450.00}. I tried to contact the international number, but the call could not be completed. Therefore, I went online and disputed this obviously fraudulent charge. Since I had no way of contacting this merchant, I have not been able to dispute this charge. We were staying in XXXX and not able to return to XXXX XXXX XXXX. 
I further contacted the B of A fraud department by telephone upon our return and described the incident. Clearly, this is a blatantly fraudulent transaction. We never received anything other than what was paid for by cash. Unfortunately, I do not have a receipt for this purchase. 
Having been a B of A client since XXXX, I think my word and sworn statement would take precedence over a fraudulent shopkeeper in XXXX. 
The claim has been denied by the bank. I have responded to them protesting their denial of my claim.
Consumer complaint received 2020-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Receivables Network (IA)

First off, I don't owe a balance with XXXX ... I've been harassed by fXXXXr for months now after telling them to cease communication! They violated fair debt collection practices! Then sage capital recovery has called and threatened me with jail time if I didn't pay. The guy, told me I need to learn how to pay my bills! This is harassment and is against federal law!
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

The balance on my account with Barlcays shows XXXX with a minimum payment due today, XX/XX/XXXX, in the amount of {$20.00}. A credit shows posted on or around XX/XX/XXXX in the amount of {$27.00}, which brings the account to this credit balance with payment still due as attached screen shot shows. Prior to this, I paid off the balance less the amount of {$15.00} which represents a NSF fee in dispute, unable to resolve it directly for several reasons ... First, the rep replying on end of Barclays is unreasonable, refuses to work out the amount despite explained the amount is questionable due to circumstances surrounding a returned payment on XX/XX/XXXX, the amount of {$50.00}. Second, the rep does not accept or return calls, three messages were left, none returned.. I attempted to clarify the amount due and balance, was unable to reach anyone in customer service. I need to know if balance is correct, if so, is payment due. The information shown does not make sense, a credit balance with payment due.
Consumer complaint received 2020-01-10
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. (NM)

I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( XXXX XXXX ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted XXXX XXXX, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

XXXX XXXX refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

Experian will not remove the 30 day past due indication. I have been unable to contact Experian further on the matter. 

I only want to have the adverse 30 day past due mark on my Experian report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that Experian would, but they will not discuss the matter ; XXXX XXXX also will not allow follow-up discussion with the dispute.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a promo from Citibank to get {$500.00} bonus to open a new checking and savings account. I opened both accounts in XX/XX/XXXX and deposited {$15000.00} to the new accounts and set up the direct deposit to meet the requirement to receive the bonus. Three months later, Citibank sent me a letter that my accounts will be closed on XX/XX/2020 without reason. Instead of giving me {$500.00} bonus after I met all the requirement, they just simply close my accounts.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (GA)

I bought a car XX/XX/2022 and they added extra fees without my knowledge I was told the car was XXXX plus tax and title fees but after signing everything my grand total jumped to XXXX. I went back the next day to cancel my loan and give car back which I have emails to prove. They also sold a car with bad brakes and incorrect lights that had me driving the car with no lights. I had my kids in the car which was extremely dangerous. I then had a meeting with XXXX XXXX who said he would buy my car back for what he sold it to me for since I was so unhappy about the purchase. I asked him to put it in writing and he sends a completely different email. I get a copy of my auto contract from Ally financial and I also got a copy of contract from the dealership XXXX they are different. This dealership is fraudulent.
Consumer complaint received 2020-01-10
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: JPMORGAN CHASE & CO. (IL)

To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the courts that I had exhausted and documented all my actions to resolve this fraud account.
Consumer complaint received 2023-09-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (SC)

When first time I complain Sourh State Bank dodge the complain. When I did second complaint, we went personally to bank to resolve the issue. At that time we provide certain information which bank had to provide When open the CD account. In second complaint 's answer bank mentioned XXXXXXXX XXXX  name that she explained to us about interest rate, that is not correct. Now South State bank is closing the case as bank is not willing to grant interest rate as bank claim at maturity. Bank mentioned in answer that it is written in disclosure, but bank only provided that disclosure after we signed for CD. We don't think bank is a help. Big institutions always work for their profits. General public is always a looser.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.
Consumer complaint received 2023-11-29
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)

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 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 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Assist (FL)

Currently, my wife and I live below the Federal threshold for poverty. College Assist ( XXXX XXXX, MN ) has consistently refused to allow me to resume payments on my outstanding student loans by repayment based upon income ( Income-based repayment agreement ). 
At this time, they are offsetting my Social Security payments and forcing us to discontinue vital and necessary medications. My job as a Florida XXXX XXXX does not pay enough for us to make " standard and required '' payments. 

College Assist is nothing more than a collection agency or contractor hired by the Federal Department of Education to harass and intimidate Federal student loan borrowers who are unable to repay their loans at the " required minimum payment level. '' If it were financially feasible, I would engage a local attorney in order to deal with this collection agency. Unfortunately, there really is no " third-party arbitrator '' available to deal with situations such as this.
Consumer complaint received 2024-02-23
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-01-10
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. (HI)

Dispute filed XX/XX/XXXX. Received update on dispute XX/XX/XXXX. Dispute investigation verified the information I was disputing as inaccurate ( two accounts belonging to someone else listed on my report ). I called the bank who holds these accounts, and they have no record of me as a customer.