davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

Back in XXXX, I had an account for cable/internet/phone service with XXXX now known as XXXX. I cancelled the service and switched to another provider. My family and I bought a house and moved in XXXX. Ironically, when we moved, my husband opened an account with XXXX. Unbeknownst to me, apparently, I had an outstanding balance of {$310.00} dating back to XXXX. I received no notification of the outstanding balance. The XXXX sent my account to a collection agency, IC System, Inc. who never sent me any correspondence. Instead, they just reported it to the credit bureaus. Once it showed up on my credit report, I proceeded to call IC System, Inc. to dispute it. They said it was a XXXX  account so I called XXXX and that is when I learned about the outstanding balance. The representative at Spectrum said I could make the payment with her over the phone which I did - I gave her my credit card number. She advised that they would contact the collection agency to have them update their records to show it as being paid. Over the past 6 weeks, I have called IC System, Inc. and they keep telling me that they are waiting for Spectrum to update the file on their end. I call Spectrum and they tell me they have notified IC System, Inc on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, on XX/XX/XXXX, I faxed IC System, Inc a printout from my credit card account showing the balance was paid by credit card on XX/XX/XXXX and it was charged to my card on XX/XX/XXXX. To add insult to injury, I got home today, XX/XX/XXXX, and there is a collection notice from them. When I called, they confirmed they had my fax showing the payment made!! But they still insist on sending collection notices despite receive a cease and desist all collection efforts from XXXX, the original creditor. I'm stuck in the middle and can not get this resolved.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XXXX/XXXX/202 '' ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 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 60 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 stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-13
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: Bread Financial Holdings, Inc. (CA)

I had my wallet taken and filed a police report. I did not know how to dispute information the right way. I finally received correct information and sent it to all three credit bureaus and all creditors. And it still remains on my file. They will not remove incorrect addresses and incorrect variations of names. This person or persons have been ruining my name for over 15 yrs I pay my bills and they go out and continue to apply and receive goods not authorized by me. I had my taxes taken every year and had to go to child support and get a refund judge gave judicial clearance because he put a warrant out she got sec 8 and all and I can not get my credit in order. They need to remove the items that do kit belong to me.
Consumer complaint received 2020-06-13
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. (CA)

My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

To whom it may concern, I had a cable service with XXXX XXXX and due to my company merger, I had a loss of hours and income and could not continue to pay my XXXX XXXX  bill. 

I called XXXX XXXX  to inform them of this and to let them know that I would be needing to cancel my service but would try to make small payments on my balance. 

XXXX sent a team member out to collect their equipment that was included with the service. 

Literally the day after my equipment was picked up, XXXX began to call me everyday on the hour despite our previous conversation. 

XXXX then referred my account to a collection company called Afni Inc PXXXX. XXXX  XXXX XXXX, IL XXXX XXXX I was unknowing of this until XX/XX/XXXX when I ordered my annual credit report and saw that Afni placed the XXXX cable bill on my credit profile. 

I have never received a call from Afni. I have never spoken with anyone from Afni but yet they took it upon themselves to place an item on my credit file from XXXX ... an entire 3 years later. 

Even up until recently, Afni continues to take it upon themselves to negatively report to my credit file as of XXXX and XX/XX/XXXX. 

Their unscrupulous reporting has eroded and damaged my credit by 70 points. 

In the midst of a global pandemic where my credit file may need to be referenced ... Afnis unjust business practices has cost me both economic opportunities and dwindled my credit score. 

They know that most people take their credit scores very seriously so they use these shadowy tactics in an effort to collect debts. 

Thank you for your time and attention to this matter.
Consumer complaint received 2020-06-13
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. (NY)

To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, XXXX and experian. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SUNTRUST BANKS, INC. (NC)

The card i own was stolen and account hacked. However when i went to see why there were such a large amount of money in my account the next day it were taken out and account was now overdrafted - {$1600.00}. Contacted SunTrust customer care and was informed there was nothing they were to be able to do about it. I was aware if having $ XXXX in my account which was what i was spending day by day. However this took that away.
Consumer complaint received 2023-05-26
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. (CA)

Due to the financial effects of the XXXX pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX  at the XXXX dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

I paid a {$45.00} using Paypal. I had 2 bank accounts on my paypal account. One of the account was set to primary. Paypal took money from the 2nd bank account which I had closed before. In the Paypal user documentation it clearly says that the funds will be drawn from the primary or default account. I manually paid the {$45.00} which takes about 7 days. Meanwhile I see threatening messages on my account about referring my case to collections. 

I did not cause the problem and I don't want to be harassed by Paypal for something I have not control over.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : CAPITAL ONE ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

I have an account through Conn 's Home Plus. Over the past 8 months they have done the following.

1. Contacted me outside of federal regulated call hours ( ex XXXX XXXX sunday morning ) 2. There contact methods are loading a number on the dialer system once an hour every hour regardless of contact.

3. I have made payments and have been called back an hour later for solicitation of another payment 4. I have filed multiple complaints from there third party company all the way to the corporate office in XXXX XXXX with no resolve. 
5. They offer extensions to be be brought current but require a payment that is more the the 30 day amount of interest 6. They have modified and extended my contract multiple times over the last year without my authorization The past two days of call history are XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX   4.XXXX XXXX  5. XXXX XXXX  6. XXXX XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX  5. XXXX XXXX  6. XXXX XXXX  7. XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : The credit inquiry named XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

So I have reached out to waypoint management group dozens of times and each time they have no record of me having an account. They said I need to reach out to XXXX to talk to their collection department. I called XXXX and was told that my account says its been paid in full and that there is no record of me having a debt. Also this account is over XXXX XXXX XXXX so regardless of the information the account should be removed from all credit agencies. Now all agencies have removed it except XXXX. They refused to take it off.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (HI)

My rent charge posted to my XXXX ending XXXX at Wells Fargo on XX/XX/XXXX, a Friday causing an overdraft fee. Wells Fargos policy is to allow an extra business day to bring the account positive and if made positive, the overdraft fee of {$35.00} will not be applied and the item will be paid. I was successful in bringing the account to a positive balance by the next day, Saturday XX/XX/XXXX which is not a business day as stated on their website. On Monday XX/XX/XXXX am overdraft fee of {$35.00} was still applied, bringing the account negative once again. My complaint is that Wells Fargo is incorrectly applying OD fees on accounts and not correcting the problem. Being in Hawaii. Items tend to post earlier in the evening XXXX and therefore can cause issues with the account.
Consumer complaint received 2020-06-12
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. (GA)

XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch (MO)

At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company XXXX XXXX nor Crown Asset Mgt and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then XXXX XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep XXXX XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I did not receive the billing statement for the payment in question. As a result, I was not made aware of the payment due date and was unable to make the payment on time. This clearly violates the requirement outlined in 15 U.S.C. 1666b, and as such, the late payment fee and any related interest charges should not have been applied to my account.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (AZ)

I paid my entire credit card balance on time and was still charged {$81.00} interest penalty by XXXX Credit Card ( Goldman Sachs ). When I spoke to a customer representative, they would only agree to waive {$25.00} because, according to them, my payment was one hour late. An {$81.00} interest penalty under these circumstances is ridiculous and unconscionable.
Consumer complaint received 2024-07-09
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-13
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. (IL)

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Consumer complaint received 2020-04-13
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. (IL)

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (PA)

hello my name is XXXX XXXX XXXX I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible
Consumer complaint received 2023-07-13
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2020-06-12
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. (CA)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.