davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

While the harassing volume of calls is a problem ( 4 in a 5 hour period ) is a problem, I spoke with Conn 's Home Plus today @ XXXX regarding a past due payment. I advised that they could use the card on file to process payment on Friday, XXXX XX/XX/2021 for {$250.00}. After I got off the phone, I received an email notification that they processed the amount today the XXXX of XXXX. This, I believe, is a Violation of FTC Statute 1692.808 subsection ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 

I would like to file a formal complaint against Conn 's Home Plus.
Consumer complaint received 2021-12-20
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. (TX)

Equifax is reporting the following XXXX debts that have not been validated and updated with the company name or contract informations. I do not know 1 ) if this is my debt 2 ) if it my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account XXXX. XXXX XXXX {$110.00} Account XXXX. XXXX XXXX {$2000.00} Account XXXX. XXXX XXXX {$560.00}
Consumer complaint received 2021-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortage company has sent me three annual escrow analysis statements all three times increasing my monthly mortage payments. If this is suppose to be an annual occurrence why has it occurred three times in one year? I've called multiple times and can't get a resolution or can anyone tell me if this will keep happing more then once a year.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I submitted an online request for a credit line increase on XX/XX/21. I was sent an email on XX/XX/21 denying the increase due to recent use of this account 's existing credit line being too low. I call the company on XX/XX/21 to speak to someone for clarity on this situation. I spoke to a Rep named XXXX and she then spoke to that department that handles this and their response was to go to the Captial one link for any information regarding the denial.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (NJ)

This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - Date of inquiry : XXXXXX/XX/year>
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, sent me a notice of an alleged collection account from XXXX XXXX XXXX in the amount of {$470.00}, by mail. This is a fraudulent account. 

I responded on XX/XX/XXXX, to Portfolio Recovery Associates, XXXX, by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. 

On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I don't remember the dates but I was charged twice on my account that I hadn't used. It was closed. I believe this was a couple years ago. And in the 2002 a teller took {$300.00} of mine in front of me and told me that I didn't have any money in my account. This was at the Wells Fargo by the XXXX.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am filing a complaint for the second time against capital one they have blocked my card because they wanted to verify bank statements where the payment is coming from. Thats all they told me they needed to see the last four digits of each account and savings and checking with my name on the bank statement. I have sent that to them. I got a call after three days saying they need to see the full account number is no need for them to see the full account number because the last four digits are already on the bank statements with my name on it I explain that to the lady. She says you need to show us the whole numbers I dont have to show nobody my whole numbers of my bank account. this is very ridiculous. I can not use my card, they block my existing credit. they also send me a card a XXXX  credit card that I did not apply for it. I thought they send me that as an offer I did use some but I ended up closing the card because I did not want it because it affected my credit report, I dont understand how they can offer me a credit card without my permission to check my credit.there customer service is very bad.
Consumer complaint received 2021-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance , LLC emailed me on Saturday, XX/XX/XXXX, stating that I had provided them with my personal information and that they would like to proceed with a personal loan application. Additionally, Mariner left me a voice mail today, XX/XX/XXXX, stating the same thing. I never contacted them or in any way provided them with my personal information pursuant to a loan. Following this phone call from Mariner, I returned the call and was directed to voice mail, where I left a message requesting them to cease and desist. It should be noted that I filed a XXXX  XXXX bankruptcy in XXXXXXXX XXXX that included a loan from Mariner. The bankruptcy was discharged in XXXX of that year. Mariner is a predatory loan company that is harassing me.
Consumer complaint received 2023-01-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XX/XX/2021
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My paypal account was permanently limited on XXXX XXXX, 2023 without prior notice from the company if I have violated any of their rules and regulations. Kindly help me with this since I still have around {$120.00} on my account that I can not withdraw. 
Also, they sent me a dispute claiming my {$110.00} for refund which I can not attend to since my account was limited.
Consumer complaint received 2021-12-20
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. (KS)

Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX. 

Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX. 

Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc (TX)

Booked a flight for XXXX for my wife and myself through affirm for XXXX and on their website through the process it stated that the flight were full. So at that point didnt notice I was creating loans on the affirm website. With the investigation through affirm they realized that I didnt owe anything thing so my account was reinstated.So I need my those inquiries that is attached to affirm to show good standing or take them off my credit report.
Consumer complaint received 2021-12-20
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: NAVY FEDERAL CREDIT UNION (FL)

Yes I messaged Navy federal about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

My car was repossessed at the 75 day mark after a representative told me they start reposessing at the 90 day mark ( 3months what I was told ) and at that point I had made a partial payment but it wasn't recognized as a partial payment, it showed as a credit, and not an amount toward the balance. If it would have reflected as a partial payment then the vehicle wouldn't have been in repossession. At very minimum, my " credit '' should have been used toward somthing before hand not after my vehicle was repossessed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (NY)

In a response on XX/XX/year> to a complaint about an illegal lawsuit the company agreed to contact their attorney and cancel the suit. 10 days later no paperwork has been filed with the court supporting this and the hearing is still scheduled for XX/XX/year>. 

The attorneys for ford motor credit company have typically electronically filed documents which typically are approved by the court within 24 hrs. 

It appears the agreed upon and documented first steps in resolving this matter ( canceling the lawsuit action ) have not taken place in a reasonable amount of time, especially with the court date quickly approaching. 

This has delayed my defense actions unreasonably and causes me to continue to incur costs associated with the defense. 

This information can be referenced from complaint id XXXX
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019. 

My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX  although I have lived in XXXX  since XXXX. 

I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I was notified of an unsolicited payment for services in the amount of {$350.00} to my paypal account from a party not known to me on XX/XX/year>. I notified Paypal via phone and was instructed not to claim the money ( which I had no intention of doing ). The person who initiated the payment then filed a dispute to recover their funds. I contacted Paypal again and they said to do nothing and the person would be refunded their funds. This is the last I heard of the matter until XX/XX/XXXX when I received an email ( not from Paypal ) that {$450.00} had been charged to my PayPal account -- I assumed this was a phishing attempt and did not respond but for peace of mind I attempted to log in to my Paypal account to check my statement. I was locked out of my account so I called customer service to resolve my log in issue and was informed that I was locked out of my account for an unpaid charge ( a dispute charge ) which I never agreed to and don't feel I should be responsible for. I was told by a supervisor that the charge would be removed and my account restored butI still have not gotten satisfactory resolution.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (NE)

On XX/XX/2019, I paid {$700.00} cash to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid, via debit card, an additional {$500.00} for hair. The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to have remove the old hair from my head. The woman did a horrible install. On XX/XX/2019, I noticed a {$700.00} charge to my card. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have Hollywood clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. 

On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card.