davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

Citi claimed that the bonus will be post on my account by XX/XX/2021. While it is already mid XXXX and not a penny of the {$700.00} bonus has been post.
Consumer complaint received 2021-03-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XXXX 2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XXXX Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

I received a copy of my credit report and there are a stunning XXXX accounts with Affirm being reported. I have never done business with Affirm ever. I have never had an affirm account or applied for an affirm account and any affirm account opened in my name was done without my knowledge and is a result of identity theft.
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XX/XX/2019. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OR)

I have the money to pay my account in full and was Willing to do so but after receiving legal advice, I requested an email or letter in writing stating the XXXX would be paid in full and taken off my credit report. I was told, " we don't do that! ". I explained several times, I was prepared to pay the above amount in full but needed something in writing. I even suggested they send me a simple email with a letter stating the accepted pay off amount and removal of account with all three credit bureaus. Once again, they refused. I can not go against my legal council in this situation and don't understand the apprehension. In addition, they are strongly opposed to my wanting a paper trail by paying with a money order. Once again, I was advised by legal council to not give any bank account information. They are destroying my credit by hitting me with late payments and are unwilling to accept payment in lieu of this simple email.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JTM Capital Management, LLC (VA)

My mother opened cc from XXXX XXXX XXXX without my knolege disputed thinking mistake sinvestigation said application card bill came my address well yes it did i lived with her 20yrs she has done this grandma stile checks grandma my dad now me i only found iut was her she died 2 accts XXXX XXXX and XXXX XXXX in her purse with all my info and also on my phone she had XXXX  app her name my info all u have do push button on app my phone gave info no knolege she ruined my credit after taking care her its fraud she was alive id press charges XXXX limited income feel like no where turn they made me believe was family im responsible uodate calked paid service fee XXXX XXXX to remove it from all3 repirts and waive fraudalint chg only got lettder for payment delete over 70 calls 2yrs threats police talk heard threats on phone callingXXXX toXXXX am XXXX at my exs kids so they wont answe when i call tell my name hang up
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

Myself and my family members have received harassing calls from this debt collector giving ominous messages about complaints filed in court and legal action to be taken. 

They refer to a debt that, as to my recollection, is from XXXX. I believe the " debt '' has been sold to several collection agencies throughout the years. However, I disputed this debt back in XXXX. It was a credit card opened by my significant other at the time who added me as an additional card holder. The debt had been removed from my credit report since then. 

Most recently they claim the debt is from XXXX and when I ask for proof they refuse to provide it and claim it has already been mailed to me. I inform them that I dispute it and even still, the statute of limitations has passed. They responded by telling me they will sue me in civil court for defrauding a financial institution.
Consumer complaint received 2021-03-11
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. (FL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. These accounts are not mine. Its identity theft. Please remove it
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I will file MONTHLY REPORTS with the CFPB until either my Student Loans are PAID IN FULL or Navient is HELP LEGALLY RESPONSIBLE for their DEPLORABLE BEHAVIOR! 

I don't expect this company to actually resolve my problems as that is not their modus operandi. However, I take solace in the fact that each complaint will cost Navient money when they have to research and respond. Each dollar that you have STOLE from me will be extracted in this manner.

Navient is the most crooked Student Loan Provider in the  industry! They steal a living off the back of working families and when that is not enough to satisfy them, they steal from the US taxpayer. 

Unfortunately, I fell victim to their battle cry " forbear them, forbear them, make them relinquish the ball ''. 

I have sheepishly relinquished the ball to Navient and their predecessor Sallie Mae for over 16 years and as of today, my balance is nearly the same as it was on day 1.

If the executive leadership at Navient or their predecessor Sallie Mae had any ethics whatsoever, they would have informed me that an Income Based Repayment Plan was my best option. This option was NEVER DISCUSSED WITH ME until all my deferments & forbearances had been exhausted! 

Why did you wait until 2018 when all my deferments & forbearances had been exhausted to tell me about the Income Based Repayment plan? 

Why did the company 's representative convince me that forbearance & deferments were my best option when in fact an Income Based Repayment Plan would have resulted in my loans BEING PAID IN FULL OVER 5 YEARS AGO?
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CA)

Resurgent/LVNV Funding didn't impersonate what you have on your website. They impersonated my doctor. They took over several debts I couldn't pay anymore because my mom died. And then Covid 19 made my finances worse. I told them, but they wouldn't listen. I started to block all their calls, but they still make them even after I told them to stop and by not answering. The worst part is pretending to be my doctor. And also pretending to be XXXX. I told them over the phone what they were doing over the phone to stop calling me and not to pretend to be my doctor because that's fraudulent. They bought several of my credit debts from original creditors and keep applying them to the credit bureaus. Here are the phone numbers they used when pretending to be my doctor. XXXX and XXXX. And this one from XXXX claiming I ordered something. XXXX
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AZ)

I made a purchase for XXXX tickets back in XXXX of 2022. I used my NFL Extra Points card because they advertised 0.0 % interest on XXXX tickets for 6 months on a mailer they sent out with activation of my card. I called in and spoke with an agent to activate my card, and verified with the agent that if I used the card to buy XXXX tickets there would be no interest, and was advised that was correct. 

XXXX months later I was logging in to pay off the remaining balance to avoid interest and found Ive been charged interest since day 1. There has been over {$130.00} in interest actual over the 6 months. I feel this is very deceptive, and an unfair business practice of Comenity bank. 

I called in to close my account last week, and when speaking with a representative they suggested speaking with a supervisor. They went to transfer me, I was on hold for over XXXX and then was disconnected. I called in again today, spoke with 2 supervisors that said there was nothing they could do about the interest that was charged. So I requested to close my account due to their deceptive practices with charging interest when I was told there would not be any.
Consumer complaint received 2021-01-16
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)

I do not own a high school degree Someone has stolen my information With out my consent I have student loans Along with medical bills I never signed paperwork For school nor any credit cards my Address is XXXX XXXX XXXX XXXX ny XXXX I can not get into my Experian account to place a freeze or change or fix incorrect information thats hurting my credit score I have filed with the other 2 credit bureaus they have removed few things
Consumer complaint received 2020-03-11
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. (TX)

I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TEXAS XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

I have a claim regarding 22 unauthorized transactions on my child support government bank debit card they XXXX  program thru XXXX XXXX. I've opened a police report and have provided and indicated statements reflecting all 22 unauthorized transactions totaling over {$1700.00}. These transactions are going thru merchants XXXX  gas stations and a XXXX convenient store located in XXXX  California XXXX This is a product of identity theft. I will assist in the investigation however, they, XXXX, are not doing anything about the claim to prove that there's transactions were NOT made by me. They believe it was me and this is certainly not true. I need assistance in reopening the claim and approving my claim so that my son 's monies are returned to him. I have no other recourse. Please help me.
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NY)

I was made aware of this company when I receive an alert from XXXX ( credit agency ) about a negative item being posted to my credit file. I am unaware of any debt or services obtained from this company. I have not receive any form of communication regarding this questionable debt.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I AM DISPUTING INQUIRIES FROM XXXX XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2023-01-16
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. (NV)

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXX XXXX XXXX XXXX  is not mine and is fraud. I want this account deleted and removed.
Consumer complaint received 2021-03-11
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 (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America closed my account ( their decision ). On XX/XX/2020, I paid the total amount due on the statement. This was significantly before the due date. On XX/XX/2020, B of A charged me {$35.00} for interest. I was told this was " residual interest '' from the date the statement was printed to the date the bill was paid. While this may be in the fine print of the cardholder agreement, I do not think it is reasonable, especially on an account they closed. If I pay the full amount due before the due date, the account should be paid up. I spoke to customer service, and to a supervisor, who both told me they could not resolve my issue.
Consumer complaint received 2023-01-16
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. (DE)

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.