davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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: Early Warning Services, LLC (CA)

I requested my XXXX report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called Early Warning XXXX and XXXX have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
Consumer complaint received 2022-12-12
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. (OH)

ON XXXX I received a notice that a new inquiry was on my report. After viewing my credit report I noticed there are multiple inquiries that I did not authorize. I contact Transunion, but their customer service would not help and refused to take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: PayActiv, Inc. (IL)

Back almost a half year ago I submitted a complaint about missing money equalling XXXX $ and received a response from " payactiv '' ( which I initially complained to the cfpb about ). I'm the response I got a reply from XXXX on which she stated she found the problem. I got in contact with her however she never responded back after that. XXXX is the number she referred me to..I have since been trying to track this lady down with no response and the email is no longer existent. Please can you get ahold of me as soon as you can
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Iam complaining to Paypal Inc. Under my acct XXXX that has been permanently limited yesterday without any notice and accused me selling XXXX materials which i never made. Im using PayPal as onr of my international mode of payments in which i sell online services. I am an graphic artist.
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I called my Federal Student Loan servicer XXXX  concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.
Consumer complaint received 2020-11-13
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. (OH)

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, Trans Union, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

While checking my credit report I noticed XXXX XXXX attempting to collect on a debt that belongs to someone else. I have requested any signed contracts signed by myself requesting an account with them. A phone log, IP addresses, or anything from Aspire Credit to help identify who opened this account. I have received absolutly nothing from them which has led to me hiring a credit protection attorney. 

This unverified, fraudulent account has since been sold to XXXX XXXX adding further stress and lost opportunities due to their credit reporting.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXXXXXX XXXX XXXXXXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Consumer complaint received 2023-05-11
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. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not disputing anything on my credit report as of today. Please open my credit file up as of today please
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have to accounts opened within 30 days of each other XXXX. XXXX XXXX ( XXXX with Midland Credit Management ) # XXXX XXXX. XXXX XXXX  ( Currently with Midland Credit Management ) # XXXX I have disputed the collections since I have ( to my knowledge ever opened these accounts ) i am in the process of buying a home and i am taking the actions needed to document these accounts that i do not agree with
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Byrider Franchising, LLC (IL)

On XX/XX/XXXX, after constantly getting calls from JD Byrider I went in to purchase a car. The sales person reassured me that they could get me in a vehicle even with me not having a high down payment. I was upfront about only having a certain amount. When I got there. We went through the basics, I provided everything requiredat least thats was I thought. I was coerced into signing with a signature that isnt mine and all of the paperwork signed was not correct to the paperwork that was on the computer. Before getting to the paperwork at the end of the end of the sale. I was forced to pay first then fill out paperwork which is absolutely backwards making everything I signed after closing invalid. I paid, which is, the end of any transaction yet was coerced and forced to sign paperwork after I had already closed deal ( paid ). I was then held up for about 2 hrs to close out with paperwork that was not disclosed before paying. After asking questions about what Im being force to sign ( I was not giving what I paid for after paying until signed ) one of their employees racially discriminated against me and stepped out of bounds to rules, regulations and standards of the XXXX. I was then told, a manager would contact me regarding the matter. Its been a week and I havent heard yet from them.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my formal notice of dispute for this item that is not 100 % accurate and also is incomplete. My information has been misused and has led to this item appearing on my report.
Consumer complaint received 2020-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

I just tried to submit a dispute with XXXX  credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... express next credit card ... that is reporting as delinquent. I purchased something from this company back in XX/XX/2020 I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my XXXX  report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.
Consumer complaint received 2024-04-21
Product: Credit 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: CITIBANK, N.A. (CA)

In XX/XX/XXXX, while I was in XXXX XXXX on an extended stay from XXXX to XXXX, an unauthorized fraudulent charge of approximately {$77.00} was made against a Wayfair XXXX for which I had applied in XXXX. I had applied for the card in order to get a discount while shopping on the Wayfair website, but never received the physical card and never made a charge against the account. 

Wayfair Citi XXXX contacted me in XX/XX/XXXX about a past due balance for a {$77.00} charge made in a sporting goods store somewhere in the United States. I told the agent that the {$77.00} charge was fraudulent. Because the card was compromised and the fact I had not received the card, I closed the account at that time. An investigation was conducted and a credit for the full amount was subsequently issued. I considered the matter closed. 

The charge reappeared a couple months later and I am now being billed for the original amount of the fraudulent charge plus exorbitant penalties and interest. I have spoken numerous times with Wayfair Citi XXXX billing agents and XXXX times with agents in the fraud investigation group to get the charge removed. Despite their promises to remove the charge and to correct the erroneous past due amounts on my credit reports, there have been no results and my XXXX XXXX has tanked from XXXX to the low-mid XXXX. I have written to several Citi agencies as well and gotten no response. 

I subsequently filed disputes with all XXXX major credit reporting agencies, but they responded that Wayfair Citi XXXX told them the charges are accurate. I am now at a loss on how to get my credit report and XXXX XXXX corrected.
Consumer complaint received 2023-01-23
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. (KY)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$29000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 Dear Comenity Bank, I am a XXXX XXXX customer. I made several payments to Comenity Bank after XXXX XXXX transferred to another company. Please refund ALL of the money I paid to Comenity Bank! 



My phone calls have been ignored therefore I am writing this letter to you and consumer affairs. Please feel free to reach out to me to rectify this matter. I can be reached at ( XXXX ) XXXX after XXXX. My address is XXXX XXXX XXXX XXXX XXXX CT XXXX. 



I look forward to hearing from you. 



Sincerely, XXXX XXXX
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I came across XXXX while searching for programs to supplement and expand on web XXXX skills. With prolific overwhelmingly positive reviews seen on various sources ( XXXX ) from previous students claiming successful outcomes, including internship placements and job offers, I applied. 

I had an interview with XXXX XXXX, as he introduced himself, whom I now know to be XXXX XXXX XXXX. As per the website, students were promised at least XXXX mentor sessions, interview preparation help, and further assistance until jobs were secured. Upon a successful interview, I paid the tuition amount of {$5900.00} in full up front via credit card through XXXX ( payment processor ) ; at this time there were no financial assistance plans in place. 

Every week, the other students and I would arrange our one-on-one sessions with XXXX, and lessons would be conducted through a video-conferencing platform called XXXX. Things seemed to be going well, with more students enrolling - enough for XXXX to start looking for more instructors and an executive assistant. 

He eventually hired another instructor, whose time at XXXX was short-lived due to XXXX claims that students were not happy with him ; this, however, turned out to be false, and seems XXXX had failed to correctly pay him for his time. At the time, I never questioned it, as there was no reason for me to be skeptical. 

It was around XXXX when XXXX began to skip some of his scheduled sessions with his students, which elicited concerns among students. A few became increasingly worried about his absences and decided to ask for a refund and some left bad reviews for the school. In one particular refund case, the student left bad reviews of the school on multiple sources. It is my personal opinion that this notably triggered XXXX subsequently more XXXX behavior. XXXX threatened to put this student 's personal information online and ensure no one would hire this person - it escalated enough where the now-former student hired a lawyer. 

Further indication of his troubling behavior was his then asking students to help him create a website to defame the student. Luckily the website was never actually created and put online. XXXX XXXX, 2016 was the last time any of us saw XXXX online as our teacher. Several students expressed XXXX had not shown up for their sessions, nor had he warned he would be absent. This prompted our online search for XXXX. His executive assistant, who was also blindsided, realised passwords for accounts shared had been changed. This was the realisation point that we were now victims of fraud. 

Further research revealed he is on the Sheriff 's Most Wanted list in XXXX County and left the US to live in XXXX, bouncing between XXXX XXXX and XXXX. We have established many reviews have been falsely created by XXXX, and have reached out to known contacts, family, and are currently working to alert the correct authorities. As far as we know, he has fled with the money of possibly XXXX or more students without delivering all that was promised.